Her mother and I and the OB nurse had that conversation about 2 hours earlier -- I said that I wouldn't mind a home delivery as long as nothing went wrong, but if something did, I wanted the best medical care money could buy there then and now. You just never know.
The bills of course came later, and they were on the order of $15K, but insurance picked all but the $3K up.
2Cor521
Lifetime cost of brain damaged baby = millions.