Joe and Anne own a dog, and that dog is wicked as all get out. It chased down a nun and an orphan who were going about their business and proceeded to maul them both. Joe and Anne have a standard homeowners insurance policy with liability limits of $300,000 plus a personal umbrella policy with limits of $1,000,000. The nun and the orphan both sued. Legal defense costs for Joe and Anne amounted to $125,000 but they lost the case anyway and the nun was awarded $650,000 and the orphan was awarded $900,000. Joe and Anne’s insurance company was disappointed because it ended up costing them _______ for this sorry incident.