Bail-Out Goals Still Not Met!

This BBC news article focuses on the bail-out plan that is supposedly still running it's course. While the US economy may be on a rise the main purposes of the $700 billion bailout have not yet been met. Bank lending is still prohibitively low and no measures have been put in place to stop, or at least prevent, future economic crises. However, I feel this article fails to acknowledge the proposed banking reform. Yes, the bail-out plan may not have worked yet but, the country is still coming out of the recession. It seems the author may be trying to insinuate that nothing will be done to reform and restructure the current economic systems. Thoughts?