And the other 50 percent is divided between all the other bankruptcy attorneys, about 10 or 15 others in town. In '97, that jumped to 2,690 cases. Last year, in '98, there were 2,358 cases filed. Sounds like a lot. It's a difficult thing to put in perspective.
Bankruptcy accounts for less than one percent of the total consumer debt.
Chapter 7's, mainly because of our office. Carl T. Johnson and I developed our practices under a bankruptcy trustee who pushed Chapter 13. So, we continue that philosophy, and I believe in that. If at all possible, the client should file Chapter 13. About 80 percent of our cases are Chapter 13 repayment plans.