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<p>[QUOTE=&quot;Kasia, post: 2918979, member: 31533&quot;]Just an idea... perhaps because in saying each individual coin -- in MS65 --- is valued at 3$, their value of the set at 3.00 might indicate the quality of the sets may not uniformly contain coins that will reliably grade at a MS65.</p><p><br /></p><p>If you break up a set and get five coins that grade at MS63 and MS64, enough of these coins in these grades may never reach even 1.00 in value.&nbsp; Go to a show and usually you can find &quot;BU&quot; washington quarters (and ones you might be hard pressed to get a MS64 in even if they have lots of luster and are uncirculated) for .75 cents each in 2 x 2s. Five coins you might get .75 each at is only 3.50, and that is close to the set value at 3.00 ---</p><p><br /></p><p>So the sets generally probably have coins of about a MS64 quality and that is too common now to have a larger value, coin by coin.</p><p><br /></p><p>note... I am more talking about non-proof coinage here^^, but perhaps the PF rating of these coins in sets is less than top dollar PF grades??? </p><p><br /></p><p><br /></p><p>or maybe the set is devalued based on the coins not being offered individually, so it can&#039;t be compared to one offered individually, sort of like comparing apples to oranges.[/QUOTE]</p><p><br /></p>

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