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. 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.