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Yeah, I was too. The reply offered seems a tad 'smart alec'. I grade coins using the American Numismatic Association (ANA) grading standards. For UNC coins, the standards are below for grades MS60-65. For the token I posted that NGC graded MS62, I believe they were a bit harsh. It doesn't exhibit any of the flaws that would bring the grade down to MS62 in my opinion. Yes, it's a division of the minuscule, but I can tell the difference between an MS62 and MS64 quality coin. I admit freely that all of this splitting of hairs in USA grading is subjective, but having been collecting US copper for more than 20 years, and viewed hundreds of graded coppers -- the "look" of an MS62 coin vs. an MS64 coin is quite apparent. All of this being said, I do not ever get hung up on the numerical grade on a slab's label. If I like a coin and the price is right, then I purchase it. I'm always happy to purchase a particularly nice coin in a lower numeric grade plastic holder because the dealers usually price it accordingly (and you can get some really good deals). Knowledge is power in this hobby... ================== MS-65 - Shows an attractive high quality of luster and strike for the date and mint. A few small scattered contact marks, or two larger marks may be present, and one or two small patches of hairlines may show under magnification. Noticeable light scuff marks may show on the high points of the design. Overall quality is above average and overall eye appeal is very pleasing. Copper coins have full luster with original or darkened color as appropriate. MS-64 - Has at least average luster and strike for the type. Several small contact marks in groups, as well as one or two moderately heavy marks may be present. One or two mall patches of hairlines may show under low magnification. Noticeable light scuff marks or defects might be seen within the design or in the field. Attractive overall quality with a pleasing eye appeal. Copper coins may be slightly dull. Color should be appropriate. MS-63 - Mint luster may be slightly impaired. Numerous small contact marks, and a few scattered heavy marks may be seen. Small hairlines are visible without magnification. Several detracting scuff marks or defects may be present throughout the design or in the fields. The general quality is about average, but overall the coin is rather attractive. Copper pieces may be darkened or dull. Color should be appropriate. MS-62 - An impaired or dull luster may be evident. Clusters of small marks may be present throughout with a few large marks or nicks in prime focal areas. Hairlines may be very noticeable. Large unattractive scuff-marks might be seen on major features. The strike, rim and planchet quality may be noticeably below average. Overall eye-appeal is generally acceptable. Copper coins will show a diminished color and tone. MS-61 - Mint luster may be diminished or noticeably impaired, and the surface has clusters of small contact marks throughout. Hairlines could be very noticeable. Scuff-marks may show as unattractive patches on large areas or major features. Small rim nicks, striking or planchet defects may show, and the quality may be noticeably poor. Eye appeal is somewhat unattractive. Copper pieces will be generally dull, dark and possibly spotted. MS-60 - Unattractive, dull or washed out mint luster may mark this coin. There may be many large detracting contact marks, or damage spots, but absolutely no trace of wear. There could be a heavy concentration of hairlines, or unattractive large areas of scuff-marks. Rim nicks may be present, and eye appeal is very poor. Copper coins may be dark, dull and spotted.