Bank for International Settlements for central banks, as speculative lending based on inadequate underlying capital and widely varying liability rules causes economic crises as "bad money drives out good" (Gresham's Law). Reserve policy is also important, especially to consumers and the domestic economy. To ensure liquidity and limit liability to the larger economy, banks cannot create money in specific industries or regions without limit. To make bank depositing and borrowing safer for customers and reduce risk of bank runs, banks are required to set aside or "reserve". Reserve policy is harder to standardize, as it depends on local conditions and is often fine-tuned to
Good cop/bad cop and in general showing sympathy for the subject. The good cop will also defend the subject from the bad cop. The subject may feel they can cooperate with the good cop either out of trust or out of fear of the bad cop. They may then seek protection by and trust the good cop and provide the information the interrogators are seeking. This technique also has its disadvantages in that it can be easily identified and the "bad cop" may alienate the subject. Good cop/bad cop "Good cop/bad cop" routine, also called joint questioning or friend and foe, is a