I do not know how accurate I am, however, I believe it would be "10p^2-400,000".... the 400,000 is your starting (one time) fee so only one time would you subtract it to get the "-400,000"...The 10 represents "10x as much " and the "p^2" represents what you pay. Please correct me if I am wrong, but I believe I am at least somewhat accurate..