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
The Good, the Bad & the Queen that the band itself is unnamed, and that "The Good, The Bad & The Queen" is simply the name of the album only. However, all future releases by the band are clearly credited as "The Good, The Bad & The Queen". It should also be noted the band's first single release ("Herculean") was issued months before the album ever came out – at which time, publicity materials identified the band as The Good, The Bad & The Queen and no one claimed that the band was unnamed. "The Good, the Bad & the Queen" is used exclusively as the name