the democrats act quickly and president obama gives this thing everything he's got, passage of financial regulation reform could be a long shot for this year. meanwhile, a new cnn/opinion research corporation poll shows 53% of americans favor greater government regulation of financial institutions, 43% are opposed. support for regulation, highest among upper-income people, probably because they have the most money to lose. democrats also much more likely than republicans to support reform. here's the question, then -- what are the chances of meaningful reform of the financial system? go to cnn.com/caffertyfile, post a comment on my blog. >> jack cafferty, thank you. get health insurance or else. that's one provision of the new health care reform law. those who choose to go without it could face serious penalties. brian todd has been looking in to this for us. brian, everyone is supposed to get health coverage now, but what happens if they don't? >> well, wolf, we've been