需要给予过度负债的个人一种重新开始的快速通道—例如通过一项特别的破产规定允许他们重新获得起初投入房产的75%的资产，而贷方会承担相应成本。
What is required is to give individuals with excessive indebtedness an expedited way to a fresh start – for example, a special bankruptcy provision allowing them to recover, say, 75% of the equity they originally put into the house, with the lenders bearing the cost.