$135.$ It should have been easy to settle Ben's collision claim. Ben's Lincoln was clearly a total loss, and it was easy to establish its actual cash value based on recent sales of other Lincolns of the same year and model. Consequently, Anne Adjuster was surprised to discover that Ben thought his car, which was in tip$-$top condition, was worth more than Anne did. In establishing the company's position in resolving this claim, Anne failed to take into account