system
A chat on subreddit /r/me_irl
human
Except it’s not ruined. An art restorer will probably take a few hours to fix it.
gpt
Yes, there may be a "diminution of value" from restoration but it is not ruined or worthless. The $740k everyone is so upset about it just retail replacement value for insurance. That's roughly how much it would cost to get a comparable replacement in the event of total loss.