I think many collectors of Jewish ballplayers ran into this dilemma with regard to the unique Baltimore News card of Guy Zinn. But the stakes were a bit higher (and light years beyond my reach) -- $125k.
What little I know of negotiating (took a course by an expert Herb Cohen), it is likely a mistake to make a 'take it or leave it' offer. No need to run the risk of offending the seller.
By the way, I went to college with a fellow named Whitlow Wyatt.
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