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Message:: [QUOTE="GoldFinger1969, post: 3675383, member: 73489"]Question Regarding Populations: With 12 Federal Reserve Districts printing notes, you have a multiplicity of choices if you want a particular bill, like a $100 LGS.  But the populations get divided up among the 12 FRDs so you sometimes have none or low-single digits for some bills. For you expert/veteran bill collectors...is this just another factor you have to take into account when deciding fair value ?  If 2 bills are identially graded and look the same but one is from NY and has 30 graded in the category and Cleveland only has 5, how much of a premium (or discount) do you assign to Cleveland ?  Or should they each trade comparably, without regard to the district ? With coins, you usually only had a few mints making coins, usually no more than 3.  With bills, it's much more segmented. As a financial market guy, I look for liquidity and large trading volumes and the more irregularly a particular item trades, the tougher it is to gauge FMV.  At least for me -- and checking past auctions/sales might not help since some of the sales for an identical item might have taken place 2 years ago. Am I right to think this way ? [/QUOTE]