A bankrupt who owns a house has the option of either paying the mortgage or losing his home. The only advantage of bankruptcy is that his debt to the bank is discharged. The House of Representatives passed a bill permitting a bankruptcy judge to adjust the terms of mortgages to aid debtors in holding on to their houses. Proponents argued that this change in the law would reduce foreclosures and stabilize the national housing market. Opponents said that it was not fair to reward homeowners for being irresponsible. How would you vote if you were in the Senate?