Bernard's Bowling and Billiards has a standard commercial property policy with an $80$ percent coinsurance provision. The limit of insurance on the building is the same as its estimated value: $$1$ million. However, the owner of Bernard's feels that there is no need for a $$1$ million limit of insurance, since the sprinkler system should put out any fire quickly. To save premium, he wants to drop the limit of insurance on the building from $$1$ million down to $$100,000.$ As the insurance agent for Bernard's, what would you advise?