I think the coin should have gotten PL. It is MS62. I think it is under graded, IMHO. The feilds are a slightly really reflective and the bust is blast white. I bought the coin, not the slab on this one. This coin spoke to me. I really love it.
So close to proof like but not quite. So frosty it hurts though. For the money you got a good one kid but as to grade, the 81s is the most populated year/mm surviving with tons of bags being found in the vaults so there are many high ms top end examples out there and also san Fran had it dialed in so well that year that 81s is always highly scrutinized and reserve graded by the tpgs but it might make 63 on a good day
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