Unlike a Chapter 7, which is considered a liquidation chapter, a Chapter 13 is intended to save a home and other assets when they otherwise might be liquidated in a Chapter 7. Basically, there's a couple ways to save a home. One is, we can do an adequate protection plan, where we're catching up on the arrears. If the mortgage company wants, say, $10,000 by Friday, you can give them $10,000 over five years instead to catch up. Another example is, we can do loan mods in bankruptcy, where you can get in a revised payment plan that might have a reduced interest rate, might have a reduced principal. That new mortgage payment then would allow that client to catch up during the bankruptcy simply by doing a loan mod and then leaving the bankruptcy with a lower payment.