mr. speaker , i yield myself 1 minute .  mr. speaker , unfortunately what the gentlewoman from california ( ms. zoe lofgren )  said is not correct .  there is a means test that is contained in this bill , but 11 united states code , section 1307 which permits the conversion of a chapter 13 case to a chapter 7 case is not amended at all in any respect .  i would just like to read 11 u.s.c .  1307 ( a ) : `` a debtor may convert a case under this chapter to a case under chapter 7 of this title at any time .  any waiver of the right to convert under this subsection is unenforceable. '' so if chapter 13 is such a straight jacket , the way out is through the conversion as provided for in section 1307 .  