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nbrazilSMR is practically useless for pre war cards.
For post war, specifically in the 5-7 range, the SMR price is the maximum to pay for a card. A yaz rookie in PSA 7 condition is $180 according to SMR. Most collectors would then bid, say, $160 on the card (of course, this is on average. cards that have higher aesthetic appeal and a likelihood of being bumped up in grading may go for SMR or above). This is less true for more popular, high demand cards (hank aaron, mantle, mays rookies and scarcer more condition sensitive issues (wilson franks)).