I have been offered by a bank (my aunt workes for one) a 20.12 round diamond. It is loose and certified as I1 fracture filled. color is L. It is certified by AIG. and supposed to be worth 199,700. depth 61% table 62.5%. From the picture that was sent the stone looks good. They want to know what I am offering for it and I have no idea what is fair for a fracture filled stone of I/L quality. What is fracture filling and how would it affect the stone? Can it still be clarity enhanced or is that the same thing. Thank you for your help.