Your Legal Rights host, Jeff Hayden, considers bankruptcy law, with timely reflections on PG&E's Chapter 11 Bankruptcy. Our welcome guest tonight via telephone from Los Angeles is Leon Bayer, Certified Bankruptcy Law Specialist, California Board of Legal Specialization, State Bar of California. Mr Bayer is coauthor of THE NEW BANKRUPTCY: WILL IT WORK FOR YOU? published by Nolo: www.nolo.com/law-authors/leon-bayer.html. His law firm, Bayer, Wishman & Leotta, bayerwishmanbankruptcylaw.com, is located in Los Angeles, 800-477-3111. Your questions right now for Leon and Jeff?