Ok, so I purchased a 53 Topps Spahn on eBay, and it arrived today. It was a PSA 5. The scans looked like a strong, undergraded ex 5. I got it out and saw nice centering, corners, gloss, etc. Then I saw it...a crease not a wrinkle near the upper middle of the card by his ear. It went through to the back! A crease in a 5 holder?? Didn't think I would ever see it. I have already shipped it back. Just another reason I am liking SGC as TPGer more and more...not that it couldn't happen to them too I guess, but it is more real when it happens to you.