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Which of these costs will be most difficult for Acme's insurer and Mark to negotiate?

  1. The cost to replace the window

  2. The medical bills associated with the surgery

  3. The mental anguish associated with never fully recovering

  4. The cost to replace the shelves

The correct answer is: The mental anguish associated with never fully recovering

It is likely that the most difficult cost for Acme's insurer and Mark to negotiate will be the mental anguish associated with never fully recovering. The cost to replace the window and shelves are physical costs that can be easily quantified and negotiated. However, the medical bills associated with the surgery may also be difficult to negotiate as they may vary based on different factors such as insurance coverage and the specific procedures required. Additionally, mental anguish is a subjective and intangible cost that may be difficult to put a value on and negotiate. Therefore, it is likely to be the most challenging cost to negotiate for both parties.