Tamara, a manufacturer's representative, and Lyle, a real estate agent, entered into a written contract for the sale of Tamara's SUV to Lyle for $8,000 cash. Tamara agreed to tune up the motor on the SUV, which she did, and on the night of August 1 phoned to tell Lyle that the SUV was ready for pick-up. Upon pick-up, Lyle was to make payment. Lyle replied to Tamara by saying: "I'll be there in the morning to pick up the SUV and to pay you the $8,000." The next morning, however, Lyle held an unexpected meeting with a potential client and decided to pick up the SUV later in the week. On the night of August 2, the SUV was destroyed by fire of unknown origin. Neither Tamara nor Lyle had any comprehensive insurance (which would have included protection from fire) on the SUV. Who must bear the loss?