The 'as passed' senate substitute increases the exemption from levy and sale from $5,000.00 to $21,500.00 in the case of real & personal property that is the debtor's primary residence. It also increases the exemption from bankruptcy from $10,000.00 to $21,500.00 in the case of real & personal property which is the debtor's residence (& from $20,000.00 to $43,000.00 if title is name of one of the two spouses).