Thank you for your reply. I really appreciate it. 2 years ago I knew nothing about tpg's. I'm not in the business and knew nothing about NGC or PCGS, or others. Also knew nothing about numismatics. I always just thought grading issues were very rare. I figured coins sent for regrading almost never were given higher grades. Especially by the top two tpg's...in the world! I find it rather disturbing that these two 'independent', apparently well respected firms, are not in agreement about what defines fbl's. I do understand why subjectivity when it comes to overall Grade. Just not what should be apparent. In other words, Not in whether three distinct lines exist on the Half Dollar or not. Especially when the difference in value can potentially be thousands of dollars. It is Very disturbing. Disappointing. People are being duped.
Thanks again!