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. He's only going to pay the first 1,000. So it's really plus.2. In this situation, his out-of-pocket costs are only $1,000. The insurance company will pay the next 3,000. So.2 times 1,000. And then plus.2, 20% chance, even if he has 7,000 in medical costs, he's only going to have to pay the first 1,000.