PSA Submission Question.

PSA states that any card with a declared value over $500 must be submitted under the "Express" service type. My question is, what if you have a card that has a shot at a PSA 10 grade and is worth at least $500 if its graded PSA 10, but is worth under $500 at PSA 9 ? Do I submit it under service type "Regular" or "Express" ??
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Now, valuation is established by the card owner....
....I would assume, a reasonable valuation needs to be made.
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