[aseipp]

> There's a deep and misplaced sense of entitlement here.

No there isn't.

> She suggests $20K may work but that is the moment to say what she thinks is fair or what would have been worth her time

Actually the "right time" to specify it, is literally any time she decides she's come to an adequate number, and put it in ink, at her own leisure. Again, she has the skills, she gets to makes the demands. Go make another offer to someone else instead. Not difficult to understand.

> The actual offer is not really insulting if the company didn't know she was in such a high COL area.

Again: your problem. Not my problem.