He signed up with a debt settlement company named Hope Financial, which negotiated deals with his creditors to settle for about 35 percent of his balance.

The Required Reserve is depositors'bank's minimum balance of deposits in central bank to ensure that the bank do no run out of cash on hand to meet the demand for withdrawals and settlement.

Combined with new design ideas, from two aspects: reducing settlement design and variable rigidity design for balance settlement the optimization design of piled raft foundation is discussed.