Mike Johanns actually said...

But if the only option is for these people who are in default or have missed payments, if the only option is bankruptcy, they will probably ...

I hear what you are trying to say, and I think you are trying to assure me that, Mike, it isn't going to be that bad.

And one of the things President Washington warned the very young Nation about was debt and the calamity that that can create for a nation.

I will be very honest, I am not sure why people bother with it. Because it has to be so impossibly cumbersome.