Silverwolf, I love raw coins and am very comfortable with grading. I use ICCS when I have to and have mentioned before the easiest series to benefit in this is the GV nickel series. Buying raw and then certifying. I have certified two groups in the last year consisting of eight and fifteen coins, all MS coins picked up raw on eBay and certifying mainly MS-63 and MS-64 and I paid in all cases but one less than $20 each. But that series is an exception. It is made for people who can recognize a grade from a picture. But scarce coins come up regularly. Purchased in the last three weeks and all at 40% of trends or less include: 1927 quarter in EF, 1891 SDLL obv. 3 in AU-50, 1885 Small 5/5 in VF-20, 1908 Canadian half in VF-20,1908 Large Date five cents in VF-20, 1886 large cent RP6 in AU-55 and those are just some of the scarcer issues. I don't often agree with a certain Trends editor but he's right on one thing: there is a huge amount of estate material coming into the market now and that flood will only get larger. Don't overpay.