And one way you could have thought about it is, okay, he's going to have to pay $8,000 no matter what. And all of the situations where he ends up paying, that's these four situations right over here, there's a 70% probability of falling into one of these four situations. And in any one of these, he only has to pay $1,000. The insurance company pays everything after that. So you could say 8,000 plus, there's a 70% chance that he's going to pay 1,000. And once again, this table is a pretty big simplification from the real world. There's probably a lot of scenarios where you'd have to pay $500 or $600 or whatever it might be.