Grade the Napoleon 20 franc?

And does anyone recognize the insert? I'm more of a bullion guy than a darkside guy, but this was melt today and I couldn't pass it up. The luster and strike are all there. I think it's a solid MS. Thoughts about value over and above melt, if any?



We are like children who look at print and see a serpent in the last letter but one, and a sword in the last.
--Severian the Lame
--Severian the Lame
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--Severian the Lame
The holder may be one of the old Hannes Tulving inserts- anyway, that is my guess
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