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David MI agree. Dumb is in the eye of the beholder. It's been argued several times. I would never pay the kind of prices people are willing to pay for some card in a PSA 10 holder. Did you see that 1956 Koufax in the Mile High Auction? It was in a PSA 10 holder and went for $49,019. That's about $48,000 too much in my opinion!