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IMOIMO I agree with everyone here - paper loss is a great detractor from a card. This is particularly true when the card is not a blank back card.
Now, if you go to the more recent Mastro auctions they tend to believe otherwise - look at the blank back cards from the 1800's. The will grade the cards "irrespective" of any back imperfections. That means that you can have an ExMt card with paper loss, writing or scrap book remnant on it. Is this right? Does everyone agree with this practice?