He's not going to spend 4,000 here. He's going to have to spend the first 2,500. So it's a 20% chance he spends 2,500. So times 2,500, insurance company will pay the next 1,500, plus another 20% chance. Even in this situation, he only has to pay 2,500. So times 2,500. And then finally, plus, there's a 5% chance.