So this one, he should go with the low, low deductible. Low deductible. Which, once again, you shouldn't use these videos as kind of insurance advice. This is actually, but also, it's an interesting way to think about it. It's typically, well, it's not always typically the case that the low deductible plan is going to have a higher long-term, or the low deductible plan is going to be a better deal. It's usually the, well, I won't make any actuarial statements but at least in this situation, the low deductible plan seems like the better deal. It's lower expected total cost given these probabilities.