Another solution

"Mr. Clark, I'm afraid I have bad news," the doctor told his
anxious patient. "You only have six months to live."

The man sat in stunned silence for the next several minutes.
Regaining his composure, he apologetically told his physician
that he had no medical insurance. "I can't possibly pay you in

that time."

"Okay," the doctor said, "let's make it nine months."