The Lincoln Saltdogs is a professional minor league baseball team in the American Association league. The clubhouse is insured for $600,000 under a com- mercial property insurance policy with an 80 percent coinsurance clause. The current replacement cost of the clubhouse is $1 million. After a playoff game for the league championship, a whirlpool tub for the players shorted out, and a fire ensued. The club- house sustained a $100,000 fire loss. Ignoring any deductible, how much will the team