2020 D Penny
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Trying to learn . My question is how much do  these  spots on this coin  effect grade ? Trying to get a  baseline if ther is one . Thanks 

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The simple answer is a lot.  There is no formula so I cannot say exactly how many points would be deducted for those spots but my guess is the ceiling for this coin is MS65 at best.  As a Lincoln cent collector myself they are a negative eye appeal and as a buyer I would never buy such a coin regardless of the grade on the holder

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