He didn’t look at the medical terms or the treatment phases on the first page.

He flipped straight to the last page, where the financial estimate sat in bold black ink.

“Two hundred and eighty thousand dollars,” Richard said.

He dropped the packet back onto the plastic tray.

“That’s the pre-insurance estimate for the first year of residential care,” Dr.

Grant said.

“The second and third years will depend on how she responds to the first phase.”

“My out-of-pocket maximum is supposed to cap at twelve thousand,” Richard said.