Things have changed

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Hi my name is Richard I've been collecting baseball cards since 1986 and I've seen so many changes that it's gotten really hard to collect now days because of prices, so many inserts whats up with that? I remember when a card single card could get you a pretty $ but now it seems as though you have to have all these inserts. As for the kids I thing that the prices have gotten so high taht they them selfs can't afford them. Wow leave it to adults to take a kids toy away from them.