Cathy’s apartment was broken into and her two-year-old sound system was taken. Cathy had paid $1,400 for the system, but it will cost $1,800 to replace the unit. She has a homeowner's policy with $20,000 coverage for personal property, a $200 deductible, and actual-cash-value coverage. How much will Cathy receive from the insurance to cover this loss assuming the life expectancy of the system is ten years?