my take on the moderns, like Yotie said, pure bullion, expect nothing more. One of the great things about the early commemoratives was the chance to see the evolving artistic styles of the 20th century. Some coins really show it off- like the Art Deco Cincy and Bridgeport... The modern pieces, too, show that evolving artistic aesthetic- maybe in a more obvious way to me since I lived during this era. I also like the 84 Olympic dollar- the headless torso one that so many knock down as being weird. I think it's wonderful and majestic- depicting a great big modernized Greek coliseum. That said, I think the modern series has a ton of bad design. The Crispus Attucks coin is just plain terrible- bad font for the date, badly realized bust of Attucks, no real explanation for what the coin is about. the reverse is a riff on the equally terrible Constitution Dollar reverse. You wonder how designs like that get through the process... but then again, I think that every time I look at the ridiculously poor design chosen for the "shield" cent.