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I can tell you that every once in a while I come across a penny (Canadian though) like you described. Looks just like a normal one in every way but is silver in colour. I was told by a coin collector that its just a penny thats had most or all of its copper worn or cleaned off with some kind of abrasive. He said that pennies are stamped before they are plated with copper so when the copper wears off normally or by other means it leaves a zinc (silver coloured) penny. He told me people bring him these kind of pennies all the time thinking they have a minting error
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