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Andy BaranFor all of those who have followed my saga, the story has a happy ending. I got my refund from PSA, and yesterday I purchased a PSA 4 1915 M101-5 Ruth, with a Famous and Barr back. This guarantees that the card is from 1915, and it is definitely authentic. And, I paid significantly less than a PSA 4 Blank Back just sold for on Ebay.