The average out-of-pocket costs for beneficiaries in traditional Medicare (including premiums, cost sharing, and prescription drugs not covered by Medicare) is projected to grow at the rate C'(t) = 12.288t 150.5594t + 695.23 Rand/year, where t is measured in 5-year intervals, with t. O corresponding to 2010. The out-of-pocket costs for beneficiaries in 2010 were R3142. The projected average out-of-pocket costs for beneficiaries in 2020, i.e., C(2), is