 that $5,000 because you don't want to go through the house of a lawsuit. You don't want to take a week off getting prepared for a lawsuit for the court case. You don't want to take a week off at the court case. You don't want to pay the extra costs that you incur trying to get your doctors in to testify as to your injuries. So sometimes they will reduce the amount. And when they reduce that amount by a couple thousand dollars, they figure you're going to take it because by economics alone, it makes sense.