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. So in the real world, there's many, many more situations here that you would have to kind of redistribute the probabilities accordingly. But with that said, this isn't a bad approximation. It's just saying, okay, roughly, if you wanted to construct this so it's easier to do the math, which the problem writers have done, say, look, okay, 30%, zero, 25%, $1,000.