PCGS	PMG	CGA	MY Comment:  MY observations!  MY opinion
		Did you every notice that grading company's always tell you what the defects are regarding a note they are grading.   IE: rust stains: Minor damage: edge rough!  DO they think we are BLIND & can't see that ourselves?	A hundred year old note will be graded the same as a one that 5 years old? That just doesn't sound right?
	70	The “70” grade is essentially a perfect note. The note will be entirely original, with broad, perfectly even margins on all four sides, sharp corners, bright colors, outstanding eye appeal, and literally perfect paper quality with no trace of even the smallest fault. Perhaps only the most modern notes will attain this grade, and even then it will be a rare occurrence.	The highest grade assigned. Notes have 50/50 margins and registration, and no handling.	Un-Circulated	PCGS: I thought 70 was perfect?  And doesn't a USA note have 8 sides?   Margins on  BOTH Sides of the NOTE?                                PMG: NO Handling? HUH? Cotton gloves?                          CGA: that's the measuring guide according to the Website
	69	A “69” will be nearly as perfect as a “70”, but a very minor fault such as a barely measurable imperfection in the centering or a tiny, almost unnoticeable crinkle in the paper will keep such a note from absolute perfection.	This note may be nearly visually indistinguishable from a 70; however, margins or registration just minutely off. No handling.	Un-Circulated	PCGS: Definition of a Crinkle: Form small creases or wrinkles in the surface of something, esp. the skin of the face as the result of a facial expression.  PMG: How do you measure nearly visually indistinguishable from a 70? EXPERIENCE? GUESS?
	68	A “68” is basically as nice and as close to perfection as a “69”, but a minor fault may be present, such as tiny handling mark, an edge bump, or a very small counting crinkle.   Otherwise, a “68” will be flawless, with near perfect centering, bold colors, excellent eye appeal, and full originality. Despite the mention here of trivial flaws, one should remember that a “68” is an essentially perfect note. It is the highest grade that can reasonably be expected for many series, including most large size type notes.	Margins or registration are off slightly to the naked eye. No significant handling.	Un-Circulated	PCGS: Clarify? Highest grade for many series? DINGED already?   PMG: "no significant handling"  how is that measured?  With a "Significant measuring stick?"
	67	A “67” should have broad margins for the issue, with excellent centering that is nearly perfect at a glance. The colors and eye appeal should be bold and attractive, and the originality should be unquestionable. Bold embossing (where applicable) must be evident. One or more tiny handling marks may be present, an edge or corner bump may be noticed, or there may be a tiny counting crinkle evident, but any fault that is distracting to the naked eye or that detracts from the overall appearance will prohibit a note from attaining the Superb grade.	Great color and eye appeal. A well-centered original note. May have very minor handling.	Un-Circulated	PCGS: Near perfect Glance?  HUH?  It's called a Counting Crinkle.   What is a Counting crinkle?
	66	This grade level signifies a note that is superior to an “average” Gem note, but that can’t quite reach the Superb level because of some minor fault such as a counting crinkle, handling mark, or corner bump. A “66” may have terrific centering but just not the broad margins of a Superb grade, or it may be a broadly margined example that is just a tiny bit off center. A “66” should retain full originality, although the embossing may not be quite as strong as on a Superb Gem. The colors and eye appeal should still be well above average.	Above average original note held back from superb quality due to handling and / or margins and registration.	Un-Circulated	PCGS:  Superior to an Average GEM note?   HUH?  BUT then the note can't get to the SUPERB Level?  HUH?
	65	A Gem note is one that at first glance appears perfect. After examination, however, one or more minor faults may be noticed that keep the note from attaining a higher grade. Such minor faults may include a counting crinkle, minor edge handling, faint handling marks or finger smudges, or very minor rounding of the corners. The centering should be well above average, although minor imperfections in the centering are permissible if the margins are broad. Embossing may or may not be present, but notes at this grade level will not receive the “PPQ” label if they are not fully original. An otherwise Superb note that has been pressed or is flat with no embossing may receive a “65” grade without the “PPQ” modifier. Notes in this and any New grade will, of course, have absolutely no folds or bends through the design. It should be stressed that although notes at this grade will (by definition) be less than perfect, they will still be above average notes that may appear to the average viewer to be pristine.	Strictly original note with great color and eye appeal. May have one or two minor distractions. Centering is above average.	Un-Circulated	PCGS:  First Glance?   Appears perfect!   MINOR rounded corners?  If it's round -it's been circulated (my opinion)  FIRST time PRESSED is OK?   It will receive a 65 with out the PPQ.   65 are still above average!
	64	“64” is an intermediate grade reserved for notes that are better than Choice New but that don’t quite reach the Gem grade. Such notes may have minor faults such as a couple of unobtrusive counting marks, ink or handling smudges, a single pinhole, or a rounded corner tip. The centering or margins will be better than average but may fall just short of that required for the Gem grade. It will still be an above average note, should have good eye appeal, and should not have any major blemishes or faults that are readily evident. A note at this grade level that receives the “PPQ” designation will likely have margins or centering that are slightly narrow or off center, but will possess complete originality.	64 EPQ:  Original paper quality, but centering is off on one or two sides.  64: Note is well-centered and shows signs of alteration (for example, pressing or re-embossing, etc.). No folds in design.	Un-Circulated	PCGS:  "couple of unobtrusive counting marks, ink or handling smudges, a single pinhole, or a rounded corner tip"  Counting marks?  INK? Is this writing INK?  PINHOLE?  Really?  There we are again rounded corner tips!
	63	A Choice note will be strictly New, with no folds or bends that indicate circulation. The paper quality and eye appeal will be slightly above average for the issue, and any flaws present will be minor in nature.   Imperfect centering is acceptable at this grade level, although any note with severe centering problems (with the design of the note touching the edge at one or more margins) cannot attain this grade.    Counting crinkles or handling marks are acceptable, as is a frayed corner or two. One or two pinholes may be present. No folds or bends may reach into the design of the paper, although a light corner bend that does not extend into the design may be present. A note that otherwise appears Gem New but has flat paper surfaces may merit this grade. Complete originality is again required for the “PPQ” designation, although at this grade level some other problem such as poor centering or minor handling will be present.	63 EPQ: Original but margins are “tight” on one or two sides. Good eye appeal.      63  Imperfect centering.  No folds in design. May be flat and have a flaw or two.	Un-Circulated	PCGS: Strickly NEW?  What does that mean? When 64 Choice New?   Opinionate word as far as I'm concerned.  NOW it says" any flaws present will be minor in nature"  but then it says, "Counting crinkles or handling marks are acceptable, as is a frayed corner or two. One or two pinholes may be present."     PMG: "margins are “tight” on one or two sides"   WHAT DOES THAT MEAN?  does it mean they are equal?  NOT equal?   or real small on one side?  Take a old 1899 note and look at the technology THEN, and then look at a 2010 note and compare the technology?    "TIGHT" ?
	62	A note at this grade level will remain fully New with no folds or bends through the design, but a couple of corner folds that do not reach into the design may be present. Counting crinkles and handling marks are acceptable, as long as they are not overly distracting. A partial bend or pinch that does not extend through the entire width of the note may cause it to be designated a “62” or lower. A note with severe centering problems may fall into this grade, as may notes with flat paper surfaces or minor paper toning.	Strictly uncirculated note that lacks some eye appeal. May have “tight” margins, handling or corner tip issues.	Un-Circulated	PCGS: Counting crinkles, NOT overly distracting?  OPINION for sure.   PMG:  May have “tight” margins, handling or corner tip issues.?   Is TIGHT good or bad?
	61	Most notes that fall into this grade will do so because of a combination of faults, some of which may be severe. Corner folds (not into the design) may be present, as may signs of paper toning, handling, counting marks, smudges, pinholes, or other problems. A “61” will typically either be poorly centered with other minor faults, or will be a technically New note with no folds but that has a combination of minor faults that prevent a higher grade.	Usually poorly centered and margins are touching the design. May have counting marks, smudges, pinholes or other problems.	Un-Circulated	PCGS:  Right off the bat! "MOST NOTES fall into this GRADE"?   How do they know that? They've never seen every note?  Why would they say that?  Then they say "Corner folds (not into the design) may be present, as may signs of paper toning, handling, counting marks, smudges, pinholes, or other problems"   and  WHAT ARE OTHER PROBLEMS?  PMG:  May have counting marks, smudges, pinholes or other problems!  There we go again "other Problems" ????  WHAT Problems?
	60	A “60” note will remain strictly uncirculated with absolutely no folds or bends that extend into the design. Notes at this grade level typically will have one or more significant faults that detract from the note’s appearance, such as slight loss of color, paper toning, minor foxing, two or more corner folds, flat and lifeless paper, pinholes, or a small staining spot or two. Any note with a major problem will be placed into a PCGS Currency “Apparent” grade holder with the problem described. A note in this grade will be generally unattractive, although it will technically be New or “uncirculated”.	A note with problems that result in diminished eye appeal (i.e. toned paper, small stain, fading, etc.), but no folds through the design.	Un-Circulated	PCGS: If a note gets "Apparent" grade it's unattractive BUT technically it's Uncirculated.   Apparent is BAD yet still it's uncirculated.  It can still have LIFELESS paper?  Wow?  And a stain or two and it's still UNCIRCULATED?  HUH?   PMG:  Pretty much says the same thing!  OH! MY GOSH these two companys MATCH UP? CGA: if you consider this company then it's all three companies BUT who would want CGA?   NO PUBLISHED GUIDELINES total Opinion!
	58	A Choice About New 58 note will typically appear to be a Choice New or better note, with one or two light corner bends or folds that reach into the design of the note. A light vertical bend down the middle of an otherwise Choice New or better note would also qualify a note for this grade.	58 EPQ: Premium grade note. May look like higher grade, but unfortunately, has a single vertical fold or one to two light corner folds.   58: Often a note with a single fold that has been pressed or re-embossed to hide the fold.	About Uncirculated	PCGS:  Corner bends that REACH the Design!  A VERTICAL bend would QUALIFY for this grade.   HOW do vertical bends get there? Weird? But they exsist.   PMG:  single vertical fold or one to two light corner folds. OH my gosh! They agree on something…. WAIT a Minute!   "single fold that has been pressed or re-embossed to hide the fold"    HIDE the fold? huh?