Dan Holler, a Capitol Hill insider and U.S. Senate relations deputy at The Heritage Foundation, discusses how a controversial policy known as mortgage cramdown would allow bankruptcy judges to rewrite mortgages based on an individualâ??s ability to pay, Congressâ?? proposed rewriting of the rules that govern how credit card companies operate, and President Obamaâ??s 83 billion dollar emergency war supplemental that is littered with non-emergency spending.