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Do you believe that the coin you pictured is a VG-10 based on the details? Or is it because NGC graded it as a VG-10?
I believe the coin is VG10. My grade would simply be VG though, because I don't assign numbers to my own grades.
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I ask because the obverse is weak for a VG-10 and really matches much closer to a G-6 borderline VG-8.
To me the obverse might only be VG8 but the srong reverse gives it the bump to VG10.
From PCGS;
VG-8/10 coins will have little detail visible on the head, with a few hair curls and possibly part of the ear noted. The coat will show the deepest folds of the lower part, with the upper area worn flat.
Clearly this '09-S VDB is VG.
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Do you think maybe this coin was net graded on the up scale due to the strong reverse ?
No - this coin makes VG on both surfaces with the reverse being stronger than the obverse.
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I believe this coin was net graded and the difference between the two sides was split to reach the VG-10 grade .
You may be correct. A VG8 obverse and a F12 reverse might have yielded the VG10 grade.
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If that is the case would it be the same for a non key Issue ?
This coin is correctly graded at VG10. I believe you're refering to "Market Grading" of key date coins and here I don't think that's the case.
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As a visual and also in regards to NGC and its consistency compare these pictures (borrowed).
That '14-D should have graded Fine unless the reverse is very heavily worn. The obverse detail exceeds the established grading criteria for F12.
These are all excellent questions and I appreciate the opportunity to dicuss this. Happy Thanksgiving!