The insurance company pays everything after that. So you could say 8,000 plus, there's a 70% chance that he's going to pay 1,000. And once again, this table is a pretty big simplification from the real world. There's probably a lot of scenarios where you'd have to pay $500 or $600 or whatever it might be. But let's just go with this. And so that's essentially a simplification. There's a 70% chance that he's going to have to pay $1,000.