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The major differences are weight, appearance, date, and metal value.

90%-silver dimes (like quarters and half-dollars*) were made up till 1964. They were solid alloy throughout instead of being in 3 layers, so they didn't have the copper core that gives modern coins a brownish edge. The metal was somewhat whiter in appearance until it started to tarnish, and the coins were a bit heavier. For example, a 90%-silver dime weighed 2.5 gm while a current clad one weighs 2.27 gm.

Today, because silver is about 15 times more valuable than it was before 1964, a 90%-silver dime is worth about $1.50 (retail) for its metal content. Modern dimes are just worth a dime.

There were no design changes at the time the coins' composition was changed. The same Roosevelt design that had been in use since 1946 was continued for the new coins.

(*) Half dollars continued to contain a small amount of silver (40%) up till 1970, when they were also converted to copper-nickel clad metal.

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