The more the lower you want that number, the more you have to pay. So if you want the insurance company to pay dollar 1 of any accident, they’re going to charge you a fortune. Now if you say I’ll cover the first two thousand dollars on my own, thus having a two thousand dollar deductible it’s going to be far cheaper because the insurance company will know in many cases the claim the accident will be less than two thousand dollars, and so you really can’t make a claim to us anyway.