Is my grading off?

I consider myself a pretty good grader but this coin has me perplexed, I have it pegged at the low VF range not VG. Your thoughts on this coins grade & holder , I think someone got a great coin at a very good price although they paid more than VG prices
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Comments
have enough feather detail in the wings for Very Fine.
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"Paper money eventually returns to its intrinsic value---zero."----Voltaire
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Definitely under graded. Has a full date. Compare it to the PCGS vg10 which only has 1 and a half numbers visible. At least F15.
<< <i>I would say that VG-10 for the first piece is a bit too conservative; I go with Fine-12 or 15; but I've always found circulated Standing Liberty quarters hard to grade. The coins that get EF and low end AU grades always seem over graded to me while some coins like this one kind of get pounded. >>
Any coin with satin luster (most of the time) is hard for me to grade at the XF-AU range when luster is such a large % part of the grade.
<< <i>
<< <i>I would say that VG-10 for the first piece is a bit too conservative; I go with Fine-12 or 15; but I've always found circulated Standing Liberty quarters hard to grade. The coins that get EF and low end AU grades always seem over graded to me while some coins like this one kind of get pounded. >>
Any coin with satin luster (most of the time) is hard for me to grade at the XF-AU range when luster is such a large % part of the grade. >>
No I go by sharpness more than luster for the EF grade, and I see too much wear to suit my taste on most of the EF Standing Liberty quarters I see.
Tom