(defn subsets-by-card [s]
  (reduce (fn [ssbc x]
           (map (fn [a b] (concat a (map #(conj % x) b)))
             (concat ssbc [nil]) (concat [nil] ssbc)))
    [[#{}]] s))

(defn subsets-by-card-reverse [s]
  (reduce (fn [ssbc x]
            (map (fn [a b] (concat a (map #(<ins>disj</ins> % x) b)))
              (concat ssbc [nil]) (concat [nil] ssbc)))
    [[<ins>(set s)</ins>]] s))

(defn subsets-by-card [s]
  (reduce (fn [ssbc x] 
            (concat
              (map (fn [a b] (concat a (map #(conj % x) b)))
                (cons nil ssbc) ssbc)
              [[#{}]]))
    [[#{}]] s))

(defn subsets [s]
  (reduce (fn [ss x] (concat ss (map #(conj % x) ss))) [#{}] s))