He's gonna spend 8,000 no matter what. So that is $8,000. And then let's see. 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.