rdwyer
Firstly, let me say

to you.
ditto on the 63
Also let me mention that you have a very nice coin here.
Quote:
...new to coin collecting.
Just in case you are unfamiliar with MS-designated coins and its intricacies it is important to stress that at the transition point into the lowest mint state classification an MS-60 coin cannot have any wear or clues of circulation whatsoever.
At this lowest MS level graders do tolerate 'moderate' scratches, bag mark dings, scuff marks, and a total lack of luster; believe it or not the vast majority of graders do NOT ('and should not') consider these aspects as 'wear' or signs of circulation at 60.
Obviously, if a scratch, for example, is excessively large or deep enough, variations in grader's judgements naturally begin to emerge...
fyi