Thomas is researching nursing homes for his father who owns a long-term care policy that has a $430 per day (365-day year) benefit amount, 3-year benefit period, and a 100-day waiting period. The Sunshine Home can accommodate his dad for $201000 a year, for 3.5 years. How much will his out-of-pocket cost be for the first year and the second year? $87049; $44050 O $83331; $43632 $86631; $43632 O $83749; $44050