Misty purchases a painting with a loan from Perennial Finance, putting the painting itself up as collateral. The loan agreement provides for monthly payments for two years. Misty defaults by missing a monthly payment. Perennial Finance gets possession of the painting and gives notice that the painting will be sold at auction on November 15. Perennial Finance also invokes a default acceleration clause in the loan agreement, making all the debt (other than nonaccrued interest) due immediately, rather than over two years. Misty proffers the amount of the missed payment and demands the painting back. Is Perennial Finance obliged to return the painting?