The severity of burns depends on how much of the body received damage, and how deep the burns went. The most severe burns, third- and fourth-degree burns, destroy all three layers of skin. They can also affect the fat under the skin, blood vessels, tendons and ligaments, muscle, and even the underlying bone structure. A third- or fourth-degree burn is a major injury, and can be one of the most devastating and debilitating of all injuries. Treating severe burns can call for repeated skin grafting procedures and extensive reconstructive surgery. Victims of this type of burn are at high risk for infection, and may lose limbs to amputation if damage or infection makes it impossible for doctors to do anything more. Most face long hospitalizations, and both inpatient rehabilitation and outpatient therapies. The cost of these treatments adds up quickly, leaving victims stressed about their financial future, as well.