Bobbi Hilton, 62, is considering the purchase of a five-year long-term care policy. If nursing home costs average $7,930 per month in her area, how much could she have to pay out-of-pocket for five years without long-term care insurance? What can Bobbi do to reduce the cost of this coverage? The amount Bobbi would have to pay out-of-pocket for five years of nursing home costs without long-term care insurance is $ . (Round to the nearest dollar.)