21.   Bankruptcy laws give debtors the first opportunity to come up with a plan of reorganization.

22.   Bankruptcy laws should be fully enforced to help eliminate incompetent managers, crooks, and Soviet-style directors who are unable to adapt to market realities.

23.   BANKRUPTCY-LAWS -- Congress, after four years of trying, passes an overhaul of bankruptcy laws, making proceedings faster and fairer.

24.   Bankruptcy law currently allows debtors to cancel most of their debts, with about a dozen exceptions.

25.   Bankruptcy law is clear in giving a greater priority to financial creditors over those who lost jobs.

26.   Bankruptcy law permits Kmart to buy Martha Stewart out of the contract or terminate it, the spokeswoman added.

27.   Bankruptcy law permits Kmart to continue the contract as written.

28.   Bankruptcy law puts claims by former employees far down the line.

29.   Bankruptcy law requires the judge to focus on the interests of shareholders and creditors, while assessing the feasibility of competing plans.

30.   Banks and credit card companies have long insisted that debtors were abusing the bankruptcy laws to escape debts that they could otherwise pay.