Several years ago, Chelsea was given a painting by a famous artist. She planned to keep it as an investment, hoping its value would increase so that she could sell it and make a profit. Several years later, Chelsea had costly emergency surgery, and she did not have enough money in her savings to pay for the procedure. Fortunately, the painting had substantially increased in value, and she decided to sell it. She found a reputable art dealer who told her that market conditions would make it difficult to sell the painting for its full value in the next six months. Chelsea needed the money immediately, so the art dealer offered to buy the painting at a deep discount. How would you describe the financial risk that Chelsea faces?