len has the following non-exempt property in bankruptcy: Land (secured by $40,000 lien to the Bank) value to day $50,000 Cash $30,000 Jen has the following debts: Bank loan from above $40,000 Loan from Jane Roe $40,000 How much do Bank and Roe get? $80,000 to Bank, and zero to Roe $40,000 to Bank, and $40,000 to Roe Zero to Bank, and $80,000 to Roe $50,000 to Bank, and $30,000 to Roe