1.   Another reform will require judges to disclose personal financial information to the commission before a fight.

2.   But stimulating reform will require more than a merger.

3.   Health care reform will require some sacrifices and compromises.

4.   Health care reform requires a substantial political investment.

5.   However, true reform will also require revamping the Medicare financing system.

6.   In addition to clearing obstacles to financial mergers, the reforms would also require lawmakers to decide which regulators will oversee which parts of the industry.

7.   In West Virginia, the reforms require all families to find some form of work within two years or face the loss of benefits.

8.   Institutional reform will also require a major clamp down on state graft.

9.   Its proposed reforms would require congressional approval.

10.   Ms. Northrup said real reform would require both parties to make serious sacrifices.