I agree with Neo, Like most of us, I try to set standards for my coin purchases. Trying to get the best grade for the best price is key. I will spend a bit more than my 30% rule or settle for a lower grade if my research says it is a hard coin to find. If it is a graded common coin for under $5 always. And Yes, They can be found in MS 64,65 and 66. I also have some coins that I cant believe they were even sent in for grading... and very many I just pass on. Time is on your side if you go slow and look for that just right coin you will be, A happy pigeonman.