Yes I should have said zero to her at the various points of delivery. There’s a different method of accounting at play. Till recently a volunteer firefighter in an environment somewhat like California’s. You might call it socialism light. The tangible benefits to the wider community, and there are many she and her ancestors have brought, are also accounted for. The working population agree to pay a fixed proportion of their taxes for this very purpose. A community based insurance. This is an approach proven to not be very appealing in the USA. I think mores the pity.