In the real world, you could have $20 in medical costs, you could have 20,000, you could have $999. So in the real world, there's many, many more situations here that you would have to kind of redistribute the probabilities accordingly. But with that said, this isn't a bad approximation. It's just saying, okay, roughly, if you wanted to construct this so it's easier to do the math, which the problem writers have done, say, look, okay, 30%, zero, 25%, $1,000. This is pretty indicative if you had to kind of group all of the possible costs into some major bucket. So it's probably at least a pretty good method for figuring out which insurance policy someone should use. So they say, including the cost of insurance, what are Paul's expected total medical costs with the low deductible plan?