There's probably a lot of scenarios where you'd have to pay $500 or $600 or whatever it might be. But let's just go with this. And so that's essentially a simplification. There's a 70% chance that he's going to have to pay $1,000. And so that's $700 expected cost from that plus the 8,000 from the insurance gets us to $8,700. So let's write that down. So 8,700, my pen is really acting up.