127 S.Ct. 2197, 167 L.Ed.2d 1081 (2007). A court, however, is not required “to accept as true allegations that are merely conclu-sory, unwarranted deductions of fact, or unreasonable inferences” or “allegations that contradict matters properly subject to judicial notice or by exhibit.” Veney v. Wyche, 293 F.3d 726, 730 (4th Cir.2002) (citation and internal quotes omitted). I. Negligence Under South Carolina law (which the parties agree applies to this appeal), “[a] cause of action for negligence requires: (1) the existence of a duty on the part of the defendant to protect the plaintiff; (2) the failure of the defendant to discharge the duty; (3) injury to the plaintiff resulting from the defendant’s failure to perform.” South Carolina State Ports Aut 43, 314 S.E.2d 919, 919 (1984) (<HOLDING>). We have reviewed the record, and we conclude
holding loss of committee work may constitute adverse action holding that loss of an arm includes loss of the hand holding that where the owner of a tractor knew immediately after the accident that the tractor was a total loss damages for loss of use were not recoverable beyond a reasonable time limited to 30 days notwithstanding the owners financial inability to replace the property for eight months holding no liability for the loss of eight days of work due to a train derailment holding that the repair or replace limitation of liability capped the insurers liability at the amount necessary to return the car to substantially the same condition as before the loss and did not include liability for loss due to stigma on resale