Just my opinion, but I would call it 25 net 20 for the nicks. I tend to deduct less for nicks on lower grade coins then I would on a higher grade coin. Those nicks on a 50 or 45 coin may be worth 10 points while on a 25 or 20 coin only 5.
Not sure if you've seen it yet, but Gary Hahn has a nice late date grading section on his website: http://www.early-copper.com/grading.html
Thanks for your help and thanks for the link - I had not found it yet.
When it comes to "Sharpness Grading" you will find that more people will agree with you on the determination of the Grade. But when it comes to "Net Grading" this is where everyone's subjective opinion comes into play. Yes, I know we should agree but in the real world that just does not occur because being that we are all individuals "Distractions on a coin's surface" affect everyone's opinion differently with the end result...different opinions on " Net Grade". In reality it doesn't matter what grade a coin is viewed at...all that matters between a 'Buyer' and a 'Seller' is the price they agree upon and a 'Sale/Transaction' is made!!!
Take it easy.....Leo
The only difference between men and boys is the price of the toys.....