Although it has been many years since half grades were introduced, I can assure you there are many collectors with cards in their collection that have not submitted for review for bumps. Me for one. I was heavy into collecting 10 years ago and now getting back in. I have never submitted for review. I am sure there are many like me who just bought the cards and put them in a vault. Sending back in carries transit risk even if small and many casual collectors don't go to the big shows
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