I know this is WAY OT but I'll make it credit-related somehow..... I currently have enough money for my home downpayment but no leftover cash for new furniture so I am trying to come up with a way to secure those funds. My son brought home a 3" diameter 1907 $20 St. Gauden coin. After doing research all night, it appears that it is a replica since the REAL size of an authentic coin is only 34millimeters diameter. Can anyone tell me if this is some kind of prototype or are my suspicions correct that it's just a replica?