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 beats bury her personality, and the summery reggae of her first two albums is sorely missed." Robert Christgau of MSN Music cited "Umbrella" as a "choice cut", indicating "a good song on an album that isn't worth your time or money". At the 2008 Grammy Awards ceremony, "Good Girl Gone Bad" received seven Grammy Awards nominations, including Record of the Year and Song of the Year for "Umbrella", Best Dance Recording for "Don't Stop the Music", Best R&B Performance by a Duo or Group with Vocals and Best R&B Song for "Hate That I Love You". It won the accolade