Those who contend that the Bankruptcy Reform Act of 2005 is unfair to many debtors often cite high medical costs as an example. Some commentators estimate that illness and medical bills have been the cause of a large percentage of filed bankruptcies. The Act's supporters argue a wise person should know that unexpected and costly medical expenses sometimes arise and not incur high non-medical debt accordingly. The Act's detractors claim that some amendment or special provision should be added to the Act for unexpected and exorbitant medical expenses because no one can be expected to plan successfully for expenses such as complex surgeries and chemotherapy that cost hundreds of thousands of dollars. Do you think the Act is sufficient as is, or do you believe some amendment or special provision is necessary to address this issue?