mr. speaker , i yield myself 1 minute .  in response to the gentleman from illinois , the reform bill significantly limits two practices that some wealthy filers use to hide assets from bankrupt creditors .  under the current system , in states with unlimited homestead exemptions , debtors can shield the full value of their residencies from creditors .  to discourage debtors from relocating to the state to hide assets prior to a bankruptcy filing , the legislation requires a 3-year residency before a debtor can take advantage of the state 's full homestead exemption .  currently , that is 91 days .  in addition , the bill adds a specific provision that prevents filers from shielding funds in an asset protection trust when fraud is involved .  in fact , these practices will continue unabated unless this legislation is passed .  mr. speaker , i reserve the balance of my time .  