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  1. ^^^^ Judging from the scan, I would say the 65E grade seems generous, due to the very narrow bottom margin. I've seen many 64's with similar or better centering. It must otherwise be a very nice note, but I can't see it ever getting into a 66 holder. As to the original post/question, often times there is very little to separate a Gem note from a 58E: a faint "wallet bend," or partial fold, excessive handling, even the wrong kind of light handling (or the finalizer thinks he/she sees something that may or may not be one of the foregoing) can get a note demoted. These types of issues are often (but not always) not apparent in the holder. Also, unless you saw the note raw and are very confident in your grading, I would expect that PMG would be very unlikely to change the grade.