Recent Books (Fiction)

  • Robert J. Sawyer: WWW: Wake

    Robert J. Sawyer: WWW: Wake
    The opening volume of a three-decker novel. Separate stories are launched but haven't yet come together. Protagonists are a blind girl whose recovery of her sight triggers the emergence of an Internet-based sapience, an artistic chimpanzee and a dissident behind the Great Firewall of China. 2010 Hugo Award nominee (****)

  • Paolo Bacigalupi: The Windup Girl

    Paolo Bacigalupi: The Windup Girl
    The environmentalist worst-case scenario comes to life in this novel set in a dystopic Thailand. Seas are rising, cheap energy is gone, genetic modification is out of control, artificial human beings are enslaved. The setting isn't very coherent, and almost all of the characters are unlikable, but the story moves along powerfully. 2010 Hugo Award nominee (****)

  • Cherie Priest: Boneshaker

    Cherie Priest: Boneshaker
    Zombies, balloonists, a lost boy, a desperate mother, a mad scientist and more in a toxic, steampunk version of Seattle. Suspension of disbelief is stretched very hard. 2010 Hugo Award nominee (****)

  • Dan Simmons: Drood: A Novel

    Dan Simmons: Drood: A Novel
    Mysterious events in the life of Charles Dickens, as told by his friend and rival Wilkie Collins. The plot involves involves mesmerism, violent deaths, an ancient Egyptian cult, specters, brain-eating scarabs, a Wilkie doppelgänger, and a gigantic conflagration beneath the streets of London. Or does it? The opium-addled Collins is the exemplar of the doubtfully reliable narrator. (*****)

  • Richard Calder: Babylon
    A teenage girl in an alternative Victorian England, where the cult of Ishtar remains a living force, escapes her unhappy home for the fantastic world of "Babylon". She is to be trained as a sacred whore but is soon caught up in a secret war between the Illuminati, who dominate Earth, and their vicious enemies, the "Black Order". Her ultimate fate is bizarre indeed. (****)
  • Shauna Roberts: Like Mayflies in a Stream

    Shauna Roberts: Like Mayflies in a Stream
    The epic of Gilgamesh, retold with the mythical elements kept to a minimum and an emphasis on how unpleasant it can be to live in the vicinity of a legendary hero. The heroine is well done: a woman who shapes her own life without being an anachronistic proto-feminist. The author's attention to historical and archaeological data is commendable. (****)

  • Jack McDevitt: Time Travelers Never Die

    Jack McDevitt: Time Travelers Never Die
    A pleasant, though insubstantial, addition to an overcrowded subgenre. After inheriting a time machine, an aimless young man and his friend play temporal tourists. Not a whole lot ensues, and there are some silly mistakes (such as Greeks wearing togas). Still, it goes down smoothly, and the inevitable paradoxes are handled quite well. (****)

  • Theodore Odrach: Wave of Terror

    Theodore Odrach: Wave of Terror
    Based on the author's experiences when the Soviet Union occupied his homeland after the Stalin-Hitler Pact, this book melds Chekov and Solzhenitsyn. By stages, the isolated folk of the Pripyet Marshes learn that there are worse masters than their former Polish overlords. (*****)

  • Simon Montefiore: Sashenka: A Novel

    Simon Montefiore: Sashenka: A Novel
    Both grim and funny, this historical novel peers into the inner world of an upper class Russian girl turned loyal Bolshevik, highlighting her youthful fling at revolution-making in Petrograd, her fall from grace under Stalin, and an historian's effort, after the end of communism, to ascertain her fate. (*****)

  • Charles L. Harness: Cybele, With Bluebonnets

    Charles L. Harness: Cybele, With Bluebonnets
    A touching, understated fantasy featuring Depression era Texas, youthful romance, chemistry, a ghost and love beyond death. (****)

  • Tim Powers: On Stranger Tides

    Tim Powers: On Stranger Tides
    The classic tale of piracy and the supernatural. What the Pirates of the Caribbean movies should have been. (*****)

  • Harry Turtledove: After the Downfall

    Harry Turtledove: After the Downfall
    Magically plucked from Berlin in 1945, a Nazi soldier finds himself in a parallel world that challenges his cultural assumptions. A well delineated picture of conflict between widely disparate civilizations, with a reminder that backwardness is not the same as stupidity. (****)

  • Harry Turtledove: The Man with the Iron Heart

    Harry Turtledove: The Man with the Iron Heart
    Can the U.S. maintain its resolve against a defeated enemy's terrorist campaign? Imagining a post-World War II Nazi insurgency, Harry Turtledove puts this question into a new context. As Reinhard von Heydrich's "werewolves" devastate Germany, war-weary Americans call for withdrawal, regardless of the consequences. (*****)

  • Terry Pratchett: Nation

    Terry Pratchett: Nation
    The first non-Discworld Pratchett in decades has the familiar mix of serious plotting and underlying farce, as an iconoclastic Polynesian lad and a properly raised Victorian lass carry on through tsunami, plague, shipwreck, pigs, pantaloon birds, gods, grandparents and cannibals. A tribute to courage in the face of physical and metaphysical ordeals - and funny, too! (*****)

  • Joe Haldeman: Marsbound

    Joe Haldeman: Marsbound
    Martian colonies are an old subject for SF, and this novel is in some ways an old-fashioned treatment, with the traditional elements of young settler, contact with Martians, and an alien menace. The plot and characters are so well done, however, that the story is fresh. The flavor is Heinleinesque, but the heroine is no Podkayne of Mars. (*****)

  • Neal Stephenson: Anathem

    Neal Stephenson: Anathem
    If you have not a smidgen of interest in how Platonic philosophy relates to the "many worlds" version of quantum mechanics, you still may like this novel, though you'll probably wish that the characters talked less. Persevere. After a slow start, the story grows compelling, and the intellectual dialogues turn out not to be digressions. (*****)

  • Charles Stross: Halting State

    Charles Stross: Halting State
    A bank robbery inside an on-line RPG leads throws a misfit programmer and an introverted forensic accountant into a real life game, international intrigue and each other's arms. May be the first readable novel ever written in the second person singular. 2008 Hugo Award nominee. (****)

  • John Scalzi: The Last Colony

    John Scalzi: The Last Colony
    Space opera in a universe much like a computer game setting. The super-soldiers of Old Man's War and The Ghost Brigades, now retired, find themselves at the focus of a galactic war. Helped by luck, enemy idiocy and aliens ex machina, mankind survives. 2008 Hugo Award nominee. (****)

  • Joe Haldeman: The Accidental Time Machine

    Joe Haldeman: The Accidental Time Machine
    Maybe all the variations on time travel are played out, but Joe Haldeman makes the old tropes enjoyable in this story of a down-on-his-luck grad student who invents a time machine without really trying. The resolution of the ensuing paradoxes comes very near to being credible. (****)

  • Ian McDonald: Brasyl

    Ian McDonald: Brasyl
    Three Brazils - past, present and future - twined together by a multiverse-wide conflict. The heroes are mostly antiheroic, and the milieu is more frenetic than credible, but it's no surprise that this novel is a 2008 Hugo Award nominee. I much preferred River of Gods and the author's other future-India tales. (***)

  • Connie Willis: All Seated on the Ground

    Connie Willis: All Seated on the Ground
    Connie Willis's annual Christmas story; a comedy about alien visitors who act much like annoyed maiden aunts. Making contact is a twin triumph of civility and true love. The story is also a good test of your knowledge of Christmas carols. 2008 Best Novella Hugo Award nominee. (*****)

  • Robert Ferrigno: Sins of the Assassin

    Robert Ferrigno: Sins of the Assassin
    The middle volume of a trilogy about a near-future, Moslem-dominated U.S. Most of the action takes place in the independent "Bible Belt", where resistance to Islamic domination is sometimes heroic and sometimes pathological. More of a pure thriller than its predecessor but good on its own terms (****)

  • Michael Chabon: The Yiddish Policemen's Union

    Michael Chabon: The Yiddish Policemen's Union
    I either mildly like or sharply detest this blend of hard-boiled detective story and alternate history; I'm not sure which. The setting is as grotesque as Gormenghast, the prose is as overwrought as Clark Ashton Smith's, and the hero cop makes Philip Marlowe look like a gentleman. The book oozes atmosphere, but maybe it's a little toxic. 2008 Hugo Award nominee. (***)

  • Mike Resnick: A Club in Montmartre: An Encounter with Henri de Toulouse-Lautrec

    Mike Resnick: A Club in Montmartre: An Encounter with Henri de Toulouse-Lautrec
    Something different from this SF great's facile pen: An historical novel about Toulouse-Lautrec and the creation of his famous Moulin Rouge poster, seen from the point of view of a waif sheltered by the troubled artist. One in a series called Art Encounters, aimed at YA's but instructive and entertaining for anyone. (*****)

  • Connie Willis: D.A.

    Connie Willis: D.A.
    Connie Willis sends up overfamiliar "space academy" stories with this one about the only girl on Earth who has no desire to enroll. Then she is informed that her "application" has been accepted. Is it a weird mistake? A devious plot? Can she get out? Funny, though the moral is rather pat. (*****)

  • Kathleen Ann Goonan: In War Times

    Kathleen Ann Goonan: In War Times
    The author builds this multiple universes story around her father's World War II diary, which is at least as interesting as the energetic, but not wholly coherent, main plot. The ending is a JFK assassination theory with a Ron Paulian(!) twist. Also included is more than I wanted to read about the WWII jazz scene. Overall, a book I would have liked to like better and that others may enjoy vastly. (****)

  • Marie Phillips: Gods Behaving Badly: A Novel

    Marie Phillips: Gods Behaving Badly: A Novel
    Pagan gods lingering, with diminishing powers, into the modern world isn't a new idea, but this tale is a pretty good use of it. The personalities of Artemis, Apollo, Aphrodite et al. are deftly fitted into present day London. The humans in the story, a couple of shy underachievers, are a bit drippy, and the resolution to the gods' difficulties is one that would be highly unpleasant for us mortals. (***)

  • Alfred Duggan: Lord Geoffrey's Fancy

    Alfred Duggan: Lord Geoffrey's Fancy
    Perhaps the finest book of one of England's finest historical novelists. The setting is 13th Century Greece, where Crusaders fought each other and the shattered Byzantine Empire. The history is accurate, the writing graceful and the characters not merely modern people in fancy dress. (*****)

  • Clark Ashton Smith: The White Sybil and Other Stories

    Clark Ashton Smith: The White Sybil and Other Stories
    A slim, representative sampling of Ashton Smith's weird, richly worded fiction. The best pieces are highly readable today; the less good are at least entertaining and will enhance the reader's vocabulary. (****)

  • Robert J. Sawyer: Rollback

    Robert J. Sawyer: Rollback
    Life extension and first contact are the twin themes of Sawyer's latest novel. Intermixed is a good deal of thoughtful, though elementary, philosophical pondering. "Rollback" is a hugely expensive procedure for restoring youth. A benefactor offers it to the world's foremost SETI researcher after an alien culture replies to a message she sent 37 years ago. She will accept the gift only if her husband gets the treatment, too. Then things go wrong. High quality work by a first rate, if slightly didactic, writer. 2008 Hugo Award nominee. (****)

  • Michael Flynn: Eifelheim

    Michael Flynn: Eifelheim
    A double narrative: the appearance of shipwrecked aliens in a 14th Century German village and the 21st Century discovery of the event. The interaction between a brilliant human theologian and rather ordinary denizens of an advanced civilization challenges chronologically based prejudices. 2007 Hugo Award nominee (*****)

  • Vernor Vinge: Rainbows End: A Novel With One Foot In The Future

    Vernor Vinge: Rainbows End: A Novel With One Foot In The Future
    In a near future in which every crank can deploy WMD's that make contemporary Islamofascists look like schoolboys, a poet who has lost his talent and his spunky granddaughter find themselves up against a conspiracy to solve the world's problems by eliminating free will. The careful extrapolation is mixed with some silly ideas and burdened with a sentimental Alzheimer's recovery story. 2007 Hugo Award nominee (****)

  • Charles Stross: Glasshouse

    Charles Stross: Glasshouse
    Set after the post-Singularity future of the author's other writings, this novel follows a hero who must lose his memory and change his sex to infiltrate a recreated 1950's world that may be central to a plot to set up a dictatorship based on computer viruses. 2007 Hugo Award nominee (*****)

  • Peter Watts: Blindsight

    Peter Watts: Blindsight
    The exploration of a giant alien artifact twists that familiar subgenre with a plausible, though ultimately unconvincing, argument that human self-awareness is a deleterious evolutionary accident. Characters include a vampire, a linguist with multiple personalities, a couple of cyborgs and a narrator whose special skill is absence of empathy. 2007 Hugo Award nominee (****)

  • Naomi Novik: His Majesty's Dragon (Temeraire, Book 1)

    Naomi Novik: His Majesty's Dragon (Temeraire, Book 1)
    Horatio Hornblower in the skies. In a fantasy parallel world exactly like the Europe of the Napoleonic Wars except for the addition of giant dragons, stalwart Englishmen and their draconian companions thwart Bonaparte's foul designs. Fun but lighter than air. 2007 Hugo Award nominee (***)

  • Tim Powers: Three Days to Never: A Novel

    Tim Powers: Three Days to Never: A Novel
    Time travel, ghosts, Albert Einstein's daughter, ancient conspiracies, a blind assassin, a Mossad agent who will die if he hears the telephone ring: With his customary bravura and skill, Tim Powers fashions a coherent and exciting story out of a strange assortment of materials. (*****)

  • Tobias S. Buckell: Crystal Rain

    Tobias S. Buckell: Crystal Rain
    An inventive tale of a human colony isolated from galactic civilization, split between warring cultures and caught up in a vast conflict between alien races. Characters include an amnesiac ex-hero who wants to spend a peaceful retirement with his family, a quasi-human killing machine, a spy desperate to betray his masters, and a harried female dictator. Deserving of Hugo consideration. (****)

  • James Patrick Kelly: Burn

    James Patrick Kelly: Burn
    In a galaxy-spanning future, the planet Walden is a self-proclaimed "paradise" founded on simplicity and rejection of high technology. It also faces the problems of terrorism and disillusion, recounted through the story of a firefighter with a soul-corroding secret. A well-wrought picture of a distinctly odd society, with a plot whose moral dilemmas evade pat answers. Nominated for the Best Novella Hugo Award for 2006. (*****)

  • Rodney Bolt: History Play : The Lives and Afterlife of Christopher Marlowe

    Rodney Bolt: History Play : The Lives and Afterlife of Christopher Marlowe
    A pseudo-history springing from the premise that Shakespeare's flashy predecessor survived the famous Deptford brawl and fled to the continent, where he secretly wrote almost all of the Bard's works. A clever, tongue-in-cheek reworking of literary history, with the bonus of vividly recreating the milieu shared by many real Elizabethan exiles. (****)

  • Robert Ferrigno: Prayers for the Assassin

    Robert Ferrigno: Prayers for the Assassin
    A combination of suspense novel and a plausible vision of America after a Moslem takeover. It loses a star only because defeating the super-villain is just a trifle too easy. Review. (****)

  • Terry Pratchett: Thud!

    Terry Pratchett: Thud!
    After 30 books, one might fear that Discworld is in danger of fatigue. Au contraire, this witty, vigorous tale of the culmination of an ages-old conflict between dwarfs and trolls, with Sam Vimes and Ankh-Morpork in the middle, is one of the strongest volumes yet. (*****)

  • Neil Gaiman: Anansi Boys

    Neil Gaiman: Anansi Boys
    Calling this comic novel a "sequel" to American Gods conveys the wrong impression. Anansi Boys is smaller in scope, funnier and more humane, though it likewise tells a story of dwindling gods adrift in the contemporary world. Anti-hero "Spider" steals the show and begs to be played by Will Smith in the movie version. (*****)

  • Stephen L. Antczak: Daydreams Undertaken

    Stephen L. Antczak: Daydreams Undertaken
    15 SF tales, mostly from "little" magazines, in which weird events affecting weird people are recounted as if they happened every day. This volume may be a high-priced cult item 20 years from now. (****)

  • Connie Willis: Inside Job

    Connie Willis: Inside Job
    The editor of a paranormal-skeptic magazine and his beautiful assistant encounter a most unlikely ghost: ueber-skeptic H. L. Mencken. Connie Willis in her lightest, funniest vein. Nominated for the Best Novella Hugo Award for 2006. (*****)

  • Matthew Pearl: The Dante Club

    Matthew Pearl: The Dante Club
    Literary mystery involving Boston's post-Civil War intellectual elite in a series of atrocious murders inspired by Dante's Divine Comedy. Weak as a whodunit, strong on atmosphere. (****)

  • David Selbourne: The City of Light: The Hidden Journal of the Man Who Entered China Four Years Before Marco Polo

    David Selbourne: The City of Light: The Hidden Journal of the Man Who Entered China Four Years Before Marco Polo
    Supposedly the journal of Jewish merchant who visited China c. 1270, this historical novel uses an encounter between Judaism and medieval China as a springboard for a lightly disguised examination of contemporary political and moral issues. Since Selbourne is a fascinating thinker, his characters' thoughts are fascinating, too. (****)

  • Iain Pears: An Instance of the Fingerpost

    Iain Pears: An Instance of the Fingerpost
    Mystery set in Restoration England. The murder of an Oxford don is recounted from four widely different viewpoints. Heavy on period detail. Metamorphoses into theological fantasy at the end, which may displease some readers. (****)

  • Steven E. Plaut: The Scout

    Steven E. Plaut: The Scout
    Short novel based on the true story of an Arab scout in Israeli service. (****)

  • John Derbyshire: Fire from the Sun

    John Derbyshire: Fire from the Sun
    Three-decker novel about the contrasting, intersecting lives of a Chinese boy and girl, born in the same mainland village and brought to America by force of circumstances. Romantic and compelling. (****)

  • H. N. Turteltaub [Harry Turtledove]: The Sacred Land

    H. N. Turteltaub [Harry Turtledove]: The Sacred Land
    Third volume in a series of seafaring adventures set in the Hellenistic era. Ill-matched merchant cousins Menedemos and Sostratos seek profit in exotic Tyre and Jerusalem. (*****)

  • Robert J. Sawyer: Humans (Neanderthal Parallax, vol. 2)

    Robert J. Sawyer: Humans (Neanderthal Parallax, vol. 2)
    2004 Hugo Award nominee. Middle volume of a trilogy, and it shows. A novelette's worth of plot as man and woman from parallel worlds slowly and predictably fall in love. (***)

  • Terry Pratchett: A Hat Full of Sky

    Terry Pratchett: A Hat Full of Sky
    Ostensible children's book that will also appeal to adults. The education of a young witch — far more "realistic" than Harry Potter. (*****)

  • E. Viollet-Le-Duc: Annals of a Fortress: Twenty-Two Centuries of Siege Warfare

    E. Viollet-Le-Duc: Annals of a Fortress: Twenty-Two Centuries of Siege Warfare
    This combined novel and treatise traces the history of an imaginary French fortress from the 4th Century B.C. through the Napoleonic Wars, featuring detailed accounts of seven sieges. (****)

  • Lois McMaster Bujold: Paladin of Souls

    Lois McMaster Bujold: Paladin of Souls
    2004 Hugo Award Best Novel. A middle-aged heroine and worked-out imaginary paganism set this book apart from run-of-the-sword medievalesque fantasy. Hinging the plot on the nuances of a made-up theology was less clever. Sequel to The Curse of Chalion, with different characters brought to the foreground. (****)

  • Jasper Fforde: The Well of Lost Plots

    Jasper Fforde: The Well of Lost Plots
    Thursday Next continues her hectic adventures in a universe where books come alive, literally. Newcomers should start with The Eyre Affair (****)

  • H. N. Turteltaub [Harry Turtledove]: Over the Wine-Dark Sea

    H. N. Turteltaub [Harry Turtledove]: Over the Wine-Dark Sea
    First in a series of O'Brian-like nautical adventures set in the tumultuous times following the death of Alexander the Great. The Aubrey and Maturin are merchant cousins, devil-may-care Menedemos and intellectual Sostratos, who roam the Mediterranean looking for profit and girls, while avoiding storms, pirates and jealous husbands. Meandering plot but great fun. (*****)

  • Charles W. Chesnutt: Stories, Novels, and Essays (Library of America, 131)

    Charles W. Chesnutt: Stories, Novels, and Essays (Library of America, 131)
    Fiction and essays by a black American writer who deserves a wider audience. (****)

  • Dan Simmons: Ilium

    Dan Simmons: Ilium
    2004 Hugo Award nominee. The Trojan War, high-tech deities, robots from the outer reaches of the Solar System and an Eloi-like Earth combine in typically weird Simmons fashion. Alas, much waits to be explicated in the sequel. (****)

  • Harry Turtledove: Gunpowder Empire

    Harry Turtledove: Gunpowder Empire
    Debut of a juvenile series set in parallel worlds. 22nd century teen siblings, trapped without adult aid in a besieged city, must cope with the bizarre (to them) customs and prejudices of a never-fallen Roman Empire. [Rating is for 11-17 year olds; adults may find the book too didactic and unsubtle for their tastes.] (*****)

  • Terry Pratchett: Going Postal

    Terry Pratchett: Going Postal
    A small-time con man must choose between death and the Ankh-Morpork post office - and takes the more dangerous option. Big business, fraud, low-tech hacking, young love and general hilarity. Pratchett's best novel since Pyramids. (*****)

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Sunday, March 13, 2005

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Comments

Very interesting information very good site :)

As a serious "personal responsibility" proponent let me address that particular issue.

If and when I take a loan, I consider the terms and my circumstances. The loan maker also does - if it knows what is good for it. Once the loan is made, my responsibilities are clear...pay according to the terms. Does the lender have any responsibilities? Careful accounting of my payments?

Now, things change. And, if I am at all a capable person, I adjust. But what happens if I can't adjust quickly, or easily? The bankruptcy law was designed to allow people to get out of situations they can no longer adjust to. The lenders recognize this as a potential circumstance surrounding loans. They charge EVERYONE higher interest rates to make up for those that fail to pay.

On average, when things change, people take out equity from their homes, borrow from retirement funds, borrow from family, use credit cards. When all those avenues are exhausted, they consider bankruptcy. The system does not treat them very well, but given time and care, they can recover.

There are those that 'game the system'. Happens in every bunch. You probably know one or two. Taking the big deductions on the taxes....business deduction on the beamer...you don't risk it...but it seems someone almost always gets away with it. Occasionally they play too close to the edge and with a little smugness that doesn't suit us...we snicker at their downfall. Anyone have sympathy for Bernie? How about the thousands of employees that ended up to their eyeballs in debt keeping themselves afloat til they got settled again? No sympathy for them right...they knew the conditions when they started.

Everyone thinks that tomorrow will be pretty much like today. Next year like the last one. The paycheck will keep rolling in. When it doesn't, it is hard to not hope, feel certain, that things will get back on track pretty quick...just a couple more weeks and everything will be back to normal. Probably more than a few in Virginia and Houston thought so. Bet a lot of them in Lower Manhattan didn't....

Bankruptcy can be an act of personal responsibility. To yourself, your family and your creditors. An acknowledgement that the old ways have changed and they will never return. That what once was, can no longer be. A chance to tell everyone that you can not lead them on any longer, that while the relationship lasted and both sides got what they needed, it isn't possible anymore and 'divorce' is the only option left. Time to make the break and move on. Live and learn. When one side can't, we call it stalking...the credit industry calls it reform.

Tracy

Bankruptcy law has always been something conservatives have been ambivalent about--or at least, not "invested" in. While on the one hand "giving people a fresh start" and "encouraging entrepeneurship" are classic conservative themes, conservatives are naturally uncomfortable with people who unilaterally void their contractual obligations through bankruptcy. If conservatives lived up to the left-wing stereotype of always being "pro-business", one would expect conservatives to enthusiastically support the bill. The fact that conservaties aren't, puts a lie to the stereotype.

The Instapundit critique, as Glenn Reynolds sorta admits, is directed more toward alleged abuse by the credit card companies than toward bankruptcy in general or this Bankruptcy bill.

I read the NRO article on bankruptcy, being a bankruptcy practicioner, to see how it would sway me. I have not had much opinion one way or the other - I have represented creditors, and am now on the debtor's side of the fence. But the last rationale about the "costs" of bankruptcy that are passed on to the rest of us left me unconvinced as to the bill's necessity. I'd like to know when we can expect to see the "benefits" when these costs are minimized and reduced. Do you think your interest rate will go down on your credit card? Will car loans become significantly less expensive? Somehow, having worked for banks, auto loan companies, mortgage companies and the law firms that represent them, I don't think the day will come when we can say, "Boy, livin' sure is easier for us regular Shmoes who play by the rules and pay our bills now that the Bankruptcy Code has been reformed!" I have seen the abuses mentioned in the article - these types have been around for years - but there are provisions in the Code right now that allow the judges to deal with filing abuse, if they will just have the guts to call a spade a spade and throw the bums out of court. But many of them don't. I was ultimately most convinced by the personal responsibility argument - you bought it, now pay for it. If the law reinforces that concept, it can't be all bad.

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