I haven't ever seen this card before, but here's another this seller sold - looks like SGC changed their holders
http://cgi.ebay.com/1926-Babe-Ruth-W...item255fb43648
My mistake, it's SCG. Their flip looks surprisingly similar to the folder labels we use on files in the office.
I'd say bad, but it's just a guess since I don't know the card. He also just bought it from someone else on 11/1 and yet in his description he says it was "found in large collection". Super fishy dude.
I think I might miss out on some deals due to an overly skeptical eye but probably get saved from some bad beats as well.