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Informantion on grading or graded coins can cause dissagreement and even more.
There are many sites and books as well as companies that will tell you is and is not correct.
People claim to have taken coins out of the graded holders and sent tem back to the same company and gotten complettly different results.
The fact is the brighter sharper and unmared tha the coin is the higher rating it should have.
Now some erros are worth much more then a prefect coin..
 
 
Enough said excuse my ratings and use this informantion to grade them your self. 
 
 
The coin grading scale utilized by NGC is the accepted within the numismatic community. The following table lists the adjectival and numeric grades:

Business Strikes
MS               60-70 Uncirculated
AU              50, 53, 55, 58 About Uncirculated
XF              40, 45 Extremely Fine
VF             20, 25, 30, 35 Very Fine
F                12, 15 Fine
VG             8, 10 Very Good
G                4, 6 Good
AG             3 About Good
FA             2 Fair
PR             761 Poor

Proof issues incorporate the same grades. Proof coins will be so noted with the use of the prefix PF for all grades 1-70.

What is a 70? NGC defines a Mint State or Proof 70 coin as having no post-production imperfections at 5x magnifications.

Once the first grader has viewed all the coins in a particular box, that box is then routed to the next grader and the process repeated. Only after three or more graders have examined each coin is its final grade arrived at. Occasionally the graders may confer with one another on a particular coin. When this happens, a consensus is ultimately reached which reflects their collective experience as rare coin experts.


In some instances, it may be necessary to add supplemental information describing a particular coin more fully. For example, copper is a chemically reactive metal which tends to lose its mint red color over time, so the amount of red color is often diminished. Therefore, an NGC grader must also enter his determination of whether a copper or bronze coin is fully red (RD), a mixture of red and brown (RB), or all or nearly all brown (BN).These designations appear following the coin's numerical grade. Other examples of supplemental designations assigned by the grader include a determination of whether a Mercury Dime has full split bands, or whether a Franklin Half Dollar displays full lines on its Liberty Bell. These distinctions mayseem esoteric to the beginning collector, but they play a significant role in providing a more complete description, and thus they are essential in the coin grading process. Designation Abbreviations and Their Meanings
BN = Brown PF = Proof
CA = Cameo PL = Prooflike
DPL = Deep Prooflike RB = Red Brown
FB = Full Split Bands RD = Red
FBL = Full Bell Lines SP = Specimen
FH = Full Head UC = Ultra Cameo
FT = Full Torch 5FS = Five Full Steps
MS = Mint State 6FS = Six Full Steps