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Posted By: JK

In theory, I agree that both are paper loss and could be treated equally. However, I believe the different standards stems from the fact that chipping occurs in the border area. The border area, as others have mentioned in the past, is intended to not only frame, but protect the image from damage. So to the extent that there is chipping to the border, it has done its job. Most paper loss that results in a downgrade to a 10, 20 or 30 is found on the image itself or on the reverse where there is writing present (caveat - I dont know why blank back cards are downgraded so heavily for minor paper loss).