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Jeff LichtmanTodd's right: some good GAI-graded cards can sometimes be had at a big discount; it's just luck of the draw I suppose but not the greatest of risks to pay PSA 3 money for a GAI 4 card in my opinion. As for cracking it out, will PSA tell you why the card didn't reach the minimum grade requested? If they tell you that the card is not trimmed, what's to lose in cracking it out?