betsy, the borrower, complained to abc bank about the cost approach value in the appraisal completed for her construction loan. betsy informed abc bank that the outdoor kitchen is expected to cost $40,000 and includes an outdoor fireplace, cabinetry, and a travertine patio. the appraiser described the outdoor kitchen in the appraisal report, but the construction costs match the costs provided in the contract documents. which of the following is most likely to have occurred in this scenario?