Paul has the option between a high deductible or a low deductible health insurance plan. And when we talk about the deductible and health insurance, if someone says that they have a plan with a $1,000 deductible, that means that the insurance company only pays the medical costs after the first $1,000. So if you have a $1,000 deductible and you say incur medical costs of $800, you're going to pay that $800. The insurance company won't pay anything. If you have a deductible of $1,000 and your total medical costs are $1,200, you're going to pay the first $1,000 and then the insurance company will kick in after that. So with that out of the way, let's think about his two plans. If Paul chooses the low deductible plan, he will have to pay the first $1,000 of any, let me do that in purple, the first $1,000 of any medical costs.