 So when you get to $50,000, Brad, what you're saying is you got – and we do this as attorneys all the time. We've got to pay the $15,000 back to the health insurance company. The rub comes in, as Brad just said, is that you've been paying premiums to this health insurance company for years. Now when you're injured by a third party – those are the critical words in your contract, your insurance contract – a third party, meaning the person who hit you, rear-ended you, when you receive money from a third-party insurance company –