To help himself choose a plan, Paul found some statistics about common health problems for people similar to him. Assume that the table below, and I put it up here on the right, correctly shows the probabilities and costs of total medical incidents within the next year. So this right over here, it's saying what's the probability he has zero in medical costs? What's the probability, he has a 25% probability of $1,000, 20% probability $4,000. And this is a simplification, a pretty dramatic simplification from the real world. In the real world, the way this makes it sound is there's only five possible medical costs that someone might have, zero, 1,000, 4,000, 7,000, 15,000. In the real world, you could have $20 in medical costs, you could have 20,000, you could have $999.