Kyle and Catrina, co-owners of a convenience store, have finally built their "dream home" after many years of planning. Full replacement cost was their insurance choice for this home. An endorsement was added by the couple that will pay up to an additional 20 percent of the policy limit in a circumstance where the cost of rebuilding the home after a loss comes in greater than the policy limit. The basis under which Kyle and Catrina insured their home is called