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
Hitler Bad, Vandals Good By comparison, the humor in "Hitler Bad, Vandals Good" is more lighthearted, dealing with subjects such as girlfriends, fast food and hairstyles. The album contains two cover songs. "Come Out Fighting" was originally performed by fellow southern California punk rock band Pennywise and is dedicated to the memory of Pennywise bassist Jason Matthew Thirsk, who had committed suicide the previous year. "So Long, Farwell" is a Rodgers and Hammerstein song from the musical "The Sound of Music", which has here been re-interpreted using electric guitar, bass and drums as the closing song on the album. An independent music video was