Obama_NN1 pushes_VVZ bank_NN1 reform_NN1 ,_, but_CCB Americans_NN2 worry_VV0 it_PPH1 wo_VM n't_XX happen_VVI ._. 
The_AT momentum_NN1 for_IF reform_NN1 tends_VVZ to_TO fade_VVI when_RRQ the_AT economy_NN1 shows_VVZ signs_NN2 of_IO returning_VVG to_II normal_JJ after_II a_AT1 crisis_NN1 ._. 
A_AT1 majority_NN1 of_IO Americans_NN2 are_VBR worried_JJ that_CST Washington_NP1 will_VM end_VVI up_II doing_VDG too_RG little_DA1 to_TO prevent_VVI another_DD1 financial_JJ crisis_NN1 ._. 
That_DD1 's_VBZ the_AT message_NN1 in_II a_AT1 new_JJ nationwide_JJ poll_NN1 this_DD1 week_NNT1 ,_, which_DDQ comes_VVZ as_CSA President_NNB Obama_NP1 is_VBZ pushing_VVG hard_RR to_TO keep_VVI hopes_NN2 of_IO bank_NN1 reforms_VVZ alive_JJ ._. 
Historically_RR ,_, the_AT momentum_NN1 for_IF such_DA reforms_NN2 often_RR fades_VVZ when_RRQ the_AT economy_NN1 shows_VVZ signs_NN2 of_IO returning_VVG to_II normal_JJ after_II a_AT1 crisis_NN1 ._. 
Although_CS the_AT economy_NN1 still_RR faces_VVZ big_JJ challenges_NN2 ,_, credit_NN1 markets_NN2 have_VH0 seen_VVN a_RR21 lot_RR22 less_DAR panic_NN1 and_CC more_DAR stability_NN1 in_II recent_JJ months_NNT2 ._. 
"_" Normalcy_NN1 can_VM not_XX lead_VVI to_II complacency_NN1 ,_, "_" Mr._NNB Obama_NP1 told_VVD Wall_NP1 Street_NNL1 executives_NN2 Monday_NPD1 ._. 
In_II the_AT new_JJ poll_NN1 ,_, by_II ABC_NP1 News_NN1 and_CC The_AT Washington_NP1 Post_NN1 ,_, a_AT1 significant_JJ swath_NN1 of_IO Americans_NN2 appears_VVZ to_TO share_VVI that_DD1 view_NN1 ._. 
About_RG half_DB of_IO US_NP1 adults_NN2 say_VV0 they_PPHS2 lack_VV0 confidence_NN1 that_CST the_AT government_NN1 is_VBZ taking_VVG the_AT steps_NN2 needed_VVN to_TO make_VVI a_AT1 repeat_NN1 of_IO the_AT financial_JJ crisis_NN1 less_RGR likely_JJ ._. 
Most_DAT of_IO those_DD2 people_NN feel_VV0 strongly_RR on_II the_AT matter_NN1 ,_, saying_VVG they_PPHS2 are_VBR "_" not_XX at_RR21 all_RR22 "_" confident_JJ ._. 
Nearly_RR half_DB of_IO those_DD2 surveyed_VVN express_VV0 some_DD confidence_NN1 that_CST policies_NN2 will_VM improve_VVI the_AT financial_JJ system_NN1 ._. 
But_CCB few_DA2 in_II that_DD1 camp_NN1 feel_VV0 "_" very_RG confident_JJ ._. "_" 
So_RG far_RR ,_, much_DA1 of_IO the_AT response_NN1 to_II the_AT financial_JJ crisis_NN1 has_VHZ been_VBN by_II necessity_NN1 an_AT1 emergency_NN1 response_NN1 --_NN1 using_VVG the_AT firetrucks_NN2 rather_II21 than_II22 improving_JJ fire_NN1 codes_NN2 ._. 
The_AT Federal_JJ Reserve_NN1 and_CC Treasury_NN1 have_VH0 deployed_VVN trillions_NNO2 of_IO dollars_NNU2 in_II loans_NN2 ,_, loan_NN1 guarantees_NN2 ,_, and_CC other_JJ supports_NN2 to_II financial_JJ firms_NN2 that_CST lost_VVD investor_NN1 confidence_NN1 last_MD fall_NN1 ._. 
"_" As_RG severe_JJ as_CSA the_AT economic_JJ impact_NN1 has_VHZ been_VBN ..._... the_AT outcome_NN1 could_VM have_VHI been_VBN decidedly_RR worse_JJR ,_, "_" Federal_JJ Reserve_JJ Chairman_NN1 Ben_NP1 Bernanke_NP1 said_VVD this_DD1 week_NNT1 ._. 
He_PPHS1 ,_, too_RR ,_, is_VBZ pushing_VVG for_IF reforms_NN2 to_TO keep_VVI such_DA a_AT1 crisis_NN1 from_II happening_VVG again_RT ._. 
In_II the_AT House_NN1 ,_, Rep._NNB Barney_NP1 Frank_NP1 (_( D_ZZ1 )_) of_IO Massachusetts_NP1 is_VBZ chairing_VVG a_AT1 spate_NN1 of_IO hearings_NN2 on_II Obama_NP1 's_GE proposals_NN2 this_DD1 month_NNT1 and_CC next_MD ._. 
But_CCB it_PPH1 's_VBZ not_XX clear_RR if_CS the_AT Senate_NN1 will_VM be_VBI able_JK to_TO vote_VVI on_II the_AT issue_NN1 this_DD1 fall_NN1 ._. 
The_AT sense_NN1 of_IO financial_JJ panic_NN1 has_VHZ certainly_RR eased_VVN ,_, but_CCB the_AT case_NN1 for_IF reforms_NN2 ,_, many_DA2 economists_NN2 say_VV0 ,_, remains_VVZ strong_JJ ._. 
First_MD ,_, many_DA2 businesses_NN2 and_CC consumers_NN2 say_VV0 they_PPHS2 're_VBR having_VHG a_AT1 tough_JJ time_NNT1 accessing_NN1 credit_NN1 --_JJ something_PN1 that_CST could_VM slow_VVI an_AT1 economic_JJ recovery_NN1 ._. 
Second_MD ,_, getting_VVG out_II21 of_II22 the_AT current_JJ mess_NN1 is_VBZ no_AT guarantee_NN1 that_CST it_PPH1 wo_VM n't_XX happen_VVI again_RT ._. 
The_AT ABC_NP1 News/Washington_FU Post_NN1 poll_NN1 also_RR asked_VVD whether_CSW Americans_NN2 believe_VV0 businesses_NN2 will_VM change_VVI their_APPGE own_DA ways_NN2 to_TO make_VVI future_JJ crises_NN2 less_RGR likely_JJ ._. 
Some_DD 57_MC percent_NNU of_IO Americans_NN2 said_VVD they_PPHS2 're_VBR not_XX confident_JJ that_CST will_VM happen_VVI ,_, while_CS 41_MC percent_NNU are_VBR very_JJ or_CC somewhat_RR confident_JJ ._. 
Obama_NN1 has_VHZ proposed_VVN :_: A_ZZ1 new_JJ consumer_NN1 protection_NN1 agency_NN1 for_IF financial_JJ products_NN2 ._. 
Although_CS many_DA2 people_NN understood_VVD the_AT risky_JJ mortgages_NN2 they_PPHS2 were_VBDR taking_VVG ,_, many_DA2 did_VDD not_XX ,_, he_PPHS1 says_VVZ ._. 
Larger_JJR cushions_NN2 of_IO capital_NN1 for_IF the_AT largest_JJT financial_JJ firms_NN2 ,_, whose_DDQGE failure_NN1 can_VM spread_VVI wider_JJR havoc_NN1 ._. 
A_AT1 new_JJ "_" resolution_NN1 regime_NN1 ,_, "_" so_CS the_AT government_NN1 can_VM restructure_VVI complex_JJ firms_NN2 in_II an_AT1 orderly_JJ way_NN1 when_CS they_PPHS2 fail_VV0 ,_, without_IW using_VVG taxpayer_NN1 money_NN1 ._. 
Such_DA a_AT1 system_NN1 was_VBDZ lacking_VVG in_II the_AT case_NN1 of_IO Lehman_NN1 Brothers_NN2 (_( a_AT1 disorderly_JJ failure_NN1 )_) and_CC AIG_NP1 (_( a_AT1 costly_JJ bailout_NN1 )_) ._. 
Closer_JJR oversight_NN1 of_IO complex_JJ products_NN2 known_VVN as_II derivatives_NN2 ._. 
A_AT1 controversial_JJ issue_NN1 is_VBZ whether_CSW to_TO give_VVI the_AT Federal_JJ Reserve_NN1 an_AT1 enlarged_JJ regulatory_JJ role_NN1 to_TO guard_VVI against_II risks_NN2 in_II the_AT system_NN1 ._. 
Mr._NNB Bernanke_NP1 says_VVZ his_APPGE agency_NN1 has_VHZ the_AT expertise_NN1 ,_, while_CS critics_NN2 say_VV0 the_AT Fed_VVN failed_VVN to_TO use_VVI that_DD1 expertise_NN1 during_II the_AT buildup_NN1 to_II the_AT crisis_NN1 ._. 
Another_DD1 hot_JJ issue_NN1 is_VBZ bankers_NN2 '_GE pay_NN1 packages_NN2 ._. 
According_II21 to_II22 many_DA2 economists_NN2 ,_, bankers_NN2 had_VHD incentives_NN2 that_CST skewed_VVD them_PPHO2 toward_II taking_VVG too_RG much_DA1 risk_NN1 ._. 
European_JJ Union_NN1 leaders_NN2 called_VVN for_IF a_AT1 crackdown_NN1 on_II banker_NN1 pay_VV0 this_DD1 week_NNT1 ,_, ahead_II21 of_II22 the_AT Group_NN1 of_IO 20_MC financial_JJ summit_NN1 in_II Pittsburgh_NP1 next_MD week_NNT1 ._. 
