def calculate_mturk_cost(payment_opt):
    """MTurk Pricing: https://requester.mturk.com/pricing
    20% fee on the reward and bonus amount (if any) you pay Workers.
    HITs with 10 or more assignments will be charged an additional
    20% fee on the reward you pay Workers.

    Example payment_opt format for paying reward:
    {
        'type': 'reward',
        'num_total_assignments': 1,
        'reward': 0.05  # in dollars
    }

    Example payment_opt format for paying bonus:
    {
        'type': 'bonus',
        'amount': 1000  # in dollars
    }
    """
    total_cost = 0
    if payment_opt['type'] == 'reward':
        mult = 1.2
        total_cost = payment_opt['num_total_assignments'] * payment_opt[
            'reward'] * mult
    elif payment_opt['type'] == 'bonus':
        total_cost = payment_opt['amount'] * 1.2
    return total_cost
