Specimen coins and MS coins are very different looking and easily distinguished. Most coins removed from specimen sets in the 90's will grade SP-66 to SP-67 if you send them to a good grader like ICCS. If you were to buy a roll of 40 1991 quarters (for about $500-$600) you would likely have only have 1 or 2 MS-65's (if you're lucky) with all the other quarters grading MS-63 to MS-64. So in other words its much more common to find a SP-67 than a MS-65.


















