Many economists say, without far-reaching regulatory reform, the United States risks a repeat in the future.

VOA: standard.2010.02.07

Many Republicans have opposed immigration reform without tougher enforcement of immigration laws and border enforcement.

VOA: standard.2010.03.21

"We might have gotten financial services reform without, but this makes it more likely."

VOA: standard.2010.04.19

But it has learnt an expensive lesson: that cash is no good without reform.

ECONOMIST: Health in Britain

First Minister Carwyn Jones has even warned the health service will "collapse" without reform.

BBC: Cymru Wales poll finds hospital changes opposed

Without reform, the sustainable rate of growth is no more than 4% a year, many economists say.

ECONOMIST: Brazil: Lazy, hazy days for lucky Lula | The