After placing an advertisement in the local paper and on the cable television station, ABC has seen its business increase to the point at which it needs to expand.Last month, after working long hours to meet increased demand, Mr. Smith fell and injured his spine. In order to keep insurance costs reasonable, the Smith family had purchased a high deductible insurance plan, and when Mr. Smith was injured, they had to pay $10,000 out of pocket for medical care. Mrs. Smith hired a temporary employee to assist while Mr. Smith was recovering.