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. creditor, extreme version, doesn t have been a very much but in this extreme example you would have a creditor who would rather than wanting to work with what the bar where to avoid bankruptcy, he would love to grease the skids to make sure the person goes into bankruptcy. now even if you don t have that extreme example if you have a creditor who has actually lent money that creditor has weak incentives to work to avoid bankruptcy and certainly it is the bar were not aware of the creditor house bought credit-default swaps. he doesn t understand why he s trying to negotiate with the creditor what is happening, and if the bar were actually goes into bankruptcy there s all kind of complications, disclosure and substantive complications within bankruptcy and in terms of whether this is real or not and if it happens, this empty creditor phenomenon, i wrote an op-ed as some of you know and the apr will street journal about goldman sachs. there was a curious incident in retr ....

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