Susan, you must have had some ND rub off on you. I've usually agreed with ND on grades from images and he is very tough, usually putting us both at the bottom of the guesses. I've also been tough on Morgans based on my own Morgan collection, mostly from PCGS which would place this 93CC at VF-30 since my 93CC VF-30 is almost identical to this one (mine shows very slightly less wear which is why I stated VF-25 in the range). However, as you stated, PCGS may have been lighter on Morgans in the past, has really tightened up Morgan grades lately, so you very well might be right that this is F-15 and might be graded as such by PCGS these days. I don't know what the other top TPGs might say (I'll find out soon enough this fall). My 93CC VF-30 was graded several years ago; I would not dare to resubmit it to PCGS nowadays. It very likely would come back in a body bag. 



















