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. 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.