Which of these are direct costs to Jesse and his family? Delayed knee surgery and ongoing knee pain affecting Jesse's quality of life and ability to work Disruption to Jesse's daily routine The anxiety that Jesse and his family face as they wonder what the nodule could be Radiation from the x-ray The time it takes Jesse to go to the hospital and get the x-ray done Personal financial costs to Jesse (e.g., out-of-pocket health care expenses, cost of gas to drive to hospital, cost of parking)