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 Girl Gone Bad: Reloaded album four out of five stars and wrote that the "uber-futurist" production of the release accompanied with Rihanna's "Robo Dominatrix vocal approach—is a big reason the record works so well. "Good Girl Gone Bad: Reloaded" is all blue-light electronics and primal throb, 25th-century pop music in the here and now." Digital Spy's Nick Levine also gave "Good Girl Gone Bad: Reloaded" four out of five stars, but was skeptical about the choice to re-release the album, writing that "it isn't worth forking out for "Good Girl Gone Bad" twice just to hear the new songs". Despite that, he praised the