e available. it was not entitled to use its discretion to obtain secret kickbacks(.1 Laffan, 2014 U.S. Dist. LEXIS 79915, 2014 WL 2693158 at *5. 12 Bartell° is also not as factually similar to the instant matter as Statebridge suggests. Despite invoking force-placed insurance. Bartell° involved no alleg

bad motive or intention, discretionary decisions that happen to result in economic disadvantage to the other party are of no legal significance."' Bartell° v. Option One Mortgage Corp., No. A- 2492-0771, 2009 N.J. Super. Unpub. LEXIS 264, 2009 WL 137229, at *4 (N.J. Super. Ct. App. Div. Jan. 22, 2009)