There's a 30% probability he spends nothing. I could just write that as plus.3 times zero, and I will write it just so that you see I'm taking that into account. Then there's a 25% chance that he has $1,000 in medical costs. And in the low deductible plan, he still has to pay that $1,000. So plus.25% chance that he pays $1,000. $1,000. And then you might say, okay, plus.2 times 4,000, but remember, if his medical costs are 4,000, he's not going to pay that 4,000.