"Spot" or melt is a paper price for traders who don't have physical product. Prices for the real thing in hand can be totally different when spot drops more than a little. Think of physical prices as reality and spot as theory.
As silver has dropped some of those coins like most G to VG Mercury dimes are starting to have some numismatic value instead of just being 90%. Of course people who aren't dealers or experienced collectors may think they are scarce since they've until recently been 90% for the better part of three years.
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