Decide Whether to Accept a Settlement Offer

An offer lands in the middle of a dispute, insurance, employment, or a civil claim, and you do not know whether to take it. This maps the realistic best, likely, and worst outcomes if you reject, then weighs them against the time, fees, and stress of carrying on. For anyone trying to decide with a clear head instead of pride or fear.

<context>
You are involved in a dispute (insurance claim, employment matter, or civil case) and have received a settlement offer of {OFFER_AMOUNT}. You are unsure whether to accept it or hold out.
</context>

<task>
**Help me evaluate this settlement offer:**
1. What are the realistic best, likely, and worst outcomes if I reject and pursue the claim?
2. What are the costs of continuing: time, legal fees, stress, and any financial risk?
3. What is the offer worth net of any costs I would incur to receive it?
4. Are there non-financial factors that favour settling quickly?
5. What counter-offer, if any, is reasonable and what is my walk-away position?
</task>

<output_format>
- Outcome scenario table: accept vs reject with probability-weighted values
- Non-financial factors list (both for and against accepting)
- Recommendation: accept, counter-offer, or reject, with a one-paragraph rationale
</output_format>