Many of the promised reforms from last year's G20 summit still haven't been put in place

Some critics charge it's the central banking system itself that is to blame for the crisis - and are calling for an independent audit of the U-S Federal Reserve - a move so far blocked by the White House and Congress. The Obama administration is calling instead for a loose money policy, focusing on higher debt and more government spending. Europe is taking the opposite approach - with European Commission President Jose Manuel Barroso saying the EU must slash budgets to restore confidence. The policy divisions are appearing after some initial trans-Atlantic consensus.