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
Alexander and the Terrible, Horrible, No Good, Very Bad Day (film) times." David Hiltbrand of "The Philadelphia Inquirer" gave the film two out of four stars, saying "It's a film where you start chuckling as soon as someone says something like, "I just want everything to be perfect tonight." Adam Graham of "The Detroit News" gave the film a B-, saying ""Alexander" won't change your day, but it's not terrible, horrible, no good or very bad, either." Calvin Wilson of the "St. Louis Post-Dispatch" gave the film a three out of four stars, saying "Arteta keeps the action speeding along while eliciting spot-on performances. Carell is at his discombobulated best, and