I have to agree that '81 does represent a line of demarcation of sorts. I'm going to present a different opinion though and suggest that at some point, we may shift the term modern to be redefined as starting with the insert chase.
Perhaps 1993 with Finest and their Refractors would be the early date for that. In my mind, there has to be some sort of delineation between the 80s cards and the current insert/chase type of collecting. If we don't call the insert/chase collecting "modern" than what do we call it?
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