The single most valuable grading distinction for Morgans: bag marks are discrete, localized, three-dimensional injuries scattered randomly with luster intact around them — not wear, and MS-graded coins can be full of them. Wear is broad, smooth, lusterless, and sits exactly on the high points. Four-point test: zoom the spot (edges vs. smooth), check luster around it, check location (random vs. high point), check matching high points (wear is systematic).
Evidence standardThis reference is distilled from a covered source topic. A photograph can inform a decision, but it cannot authenticate or certify a coin.