If he has 15,000 in expenses, he's only going to have to pay the first 1,000. Times 1,000. And we get $8,700. And one way you could have thought about it is, okay, he's going to have to pay $8,000 no matter what. And all of the situations where he ends up paying, that's these four situations right over here, there's a 70% probability of falling into one of these four situations. And in any one of these, he only has to pay $1,000. The insurance company pays everything after that.