Pete, when I look at MS coins like this, I start with a perfect coin in mind which would equate to an MS70 grade. I then take off for a defects and if there is signs of a weak strike. on the obverse of your coin there is spot on the back of the head. a couple minor marks in the cheek area and rub on the shoulder, lapel and along the bottom of the bust. there are also some small scratches on the rim right below the bust I'm taking off 4 points for all of these, taking the coin down to 66. on the reverse some spots to the left of the memorial and a small nick at 12 oclock. I'm taking off 2 points for these resulting in a grade of MS64. I then look over the coin as a whole for strike and weakness. this coin exhibits a solid even strike on both sides and would not result in any grade loss. the color is full RD. this is just my technique. btw nice pics