Wow, I am speechless, I would take your very well cut diamond, sell it savage what you can and let her pick the color/clarity combo she wants, within the budget, guessing it will be closure to 1ct. With $10k super Ideas like whiteflash ACA will get you a 1.01 - 1.10 ct F-VS1- VS2. You could most likey find an AGS 1 or GIA very good in F-VS1 in the 1ct size for about $7500-8500.00 There is a pretty big visual difference from 1- 1.5ct. Good luck, hopefully this was a misunderstanding and not a red flag.