1961, NGC Holder PF64 Franklin.

I've been asking this question for years even directly to folks that keep posting coins worth a couple $$ if they should send it in. never received an answer from any of them. my best guess is that these are green collectors and see slabs everywhere. the slab market is real good at promoting their services so they have been gas-lighted into believing that any nice looking coin should be slabbed.

as for this post. there is no way to see the surfaces of this coin using these photos. seeing through heavier toning looking for marks can be daunting and only the best seasoned graders can even come close to determining them.

TPG's will reduce a grade for eye appeal especially if the toning is not pleasant. a brown toning to a coin similar to what it looks like here could be grounds for up to 1 pt deduction. unless we can see better lit larger photos I can't make that call.