charges were excessive. State Auto hired Chiropractic Consultants, Inc. to evaluate Dr. Wei's billings, and they advised that Dr. Wei's billings were indeed excessive. State Auto then telephoned Dr. Wei and offered a partial payment to settle the account. After this conversation, State Auto issued and sent a check for $750 payable to Dr. Wei. On the face of the check, State Auto noted the total amount allocated to each claim and typed \"settlement in full\". On the reverse side it said, \"The endorsement of this draft by the payee constitutes a clear release and full settlement of the claim or account shown on the other side.\" Upon receipt of the check, Dr. Wei cashed it. He then sought payment of an additional $875. State Auto claims there was an \"accord and satisfaction\" with respect to the amount due for services rendered by Dr. Wei. What are the elements of an accord and satisfaction? Wan-n fllnnn rnnIIiI-nmnnl'c mnf in thin rant-9