While I respect your input Coinfrog I don't agree. Most buyers and sellers don't deal in CULL coins but there is a growing market for such lower grades. Admittedly, finding the niche for error collectors in this Cull market is a greater challenge. Nonetheless, this example will never go for sell on eBay with no value added ($4-5). I am holding as I research and ponder the multiplier I might use, but certainly x1 is not in my equation.