If its an original, unopened brick that you found it in, then yes its an insert. (One note in the HNL run should be missing from the brick). Check out the "HNM" thread under the $5.00 section. I reported a HNM 2.99 M insert find, in a somewhat shuffled bundle recently. Mine were a little high I thought, but your 2.88 M find supports my find, and vice versa. There are a few HNM insert posts here that have not yet been added to the High/Low list. With a little luck, these will be included in the next Charlton.