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. So.2 times 1,000 again. And then plus.05 times, once again, 1,000. If he has 15,000 in expenses, he's only going to have to pay the first 1,000.