In Deocampo v. Ahn (2002) 101 Cal.App.4th 758, the court upheld the following calculation: "Following the mandate of Civil Code section 3291, the court began its calculation of 10 percent interest by using the date of plaintiffs' offer, April 12, 1996, as a starting date. The amount of money to which this rate of interest was applied was $4,968,175, which is the sum of the jury's calculations of (1) plaintiff's past medical expenses and lost wages, and (2) the present value of his future medical expenses and lost wages. This interest was calculated to the date of the payment of the St. Joseph Medical Center settlement (June 20, 1997) and amounted to $590,736.48. Next, the court calculated interest from June 21, 1997, the day after the settlement with St. Joseph Medical Center, until October 18, 2000, the date of the judgment entered on the jury's verdict. The amount of money to which the statutory rate of interest was applied differed from the court's first calculation. This time, the court applied the rate of interest to $3,468,175, which is the original amount of the jury's discounted compensatory damage award ($4,968,175), less the $1.5 million settlement. This produced interest in the amount of $1,154,474.69. Together, the two amounts of prejudgment interest totaled $1,745,211.17." (Id. at pp. 780-781.) The court explained that this staggered approach insures that the plaintiff is fully compensated for his loss and encourages settlement. (Id. at p. 782.)