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Polar Bears are a bit of an anomaly because the multiplier isn't steady over all grades. Most of them are low grade and don't present well because of tobacco staining. The multiplier in low grades may actually be about -0.1 or -0.2. But high-grade Polar Bears are pretty rare, so the multiplier can flip in the other direction.
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Also a note from building the American Beauty subset is that it really depends on the subject. Some green ones are nearly impossible to find and therefor command a huge premium when encountered. I had to pay aprox 10x for one that would be an otherwise common with a different back when it came up.
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