She still has NO savings. $571/mo x 12 = $6852 plus $6350 ded. = $13, 202 total for the year. $1100/mo x 12 = $13,200 total for the year. But with her new policy she has to come up with the $6,350 over the first couple months where she could budget for the $1,100 each month. This was her main objection. Zimmerman characterized her s not knowing she was better-off. But shouldn't the test be how does she feel?