now he looked at the next case, jason stanley klein, case number 1045682. so, he said, what caused the bankruptcy? >> i went into business at a bad time in this a bad location, and a lot of my debt stemmed from that, jay replied. the officiant studied jay's bankruptcy filing. not long ago he believed most bankruptcies were from a string of mistakes. he saw bad luck, declining wages, housing foreclosure and unemployment. sometimes he studied a case and thought immediately of one of his favorite expressions, there but for the grace of god go i. he continued to do his job, he said, because the paycheck kept him on the right side of the white table. he looked across at jay. is everything you filed here accurate? yes, sir, jay said. then i have no further questions. that completes your exam. jay stood up and walked out of the courtroom. the lawyer followed him into the hall and squeezed his shoulder. no further questions means they're going to grant you the bankruptcy, the lawyer said. jay nodded. he shook the lawyer's hand, walked out to his car and drove back