1. QHCP's liability limited to $100k;
2. π's total recovery limited to $500k plus future medicals; and
3. π must proceed through medical review panel, which consists of 3 doctors and one lawyer. (Two cars driving in opposite directions veer across the middle line and collide. One car has 3 doctors in it, the other 1 lawyer. Fortunately, no one is hurt. The lawyer tells the doctors "phew, that was a close call" and offers the doctors a swig from his flask. The doctors pass the flask, and return it to the lawyer. One doctor ask the attorney why he doesn't have a drink. The lawyer responds: "I will after the cops get here.").