Rails above and below "LIBERTY" with a strong strike on the obverse would instantly place the coin in XF condition.
There are two marks on the Obverse, one in the lower ribbon and the other at about 9:00 in the haird that appear to be
PMD. It appears that there are hairline cracks on the obverse that might indicate it was cleaned at some point in time.
The reverse is absolutely beautiful, but as spoken before, I believe it is a week strike. The mint mark is really weakly struck. The lustre is still very visible but there is some hazing at 6:00 on the reverse which further leads me to believe the coin was cleaned sometime in its past.
I believe it shouldn't rate higher than an XF-45 because
of observation above. I am jealous though, that 1915-D looks alot nicer than the one in my collection. Very nice
coin. Where did you pick it up at?