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 and the Universal Music Group respectively. "Good Girl Gone Bad" received generally favorable reviews from music critics. At Metacritic, which assigns a normalized rating out of 100 to reviews from mainstream critics, the album received an average score of 72 based on 17 reviews. "Uncut" called it a "shiny, trans-atlantic blend of Europop vim, R&B grit and Caribbean bounce." Andy Kellman of AllMusic deemed it quintessential pop music and said each of its tracks was a potential hit. Quentin B. Huff of PopMatters praised the album, describing it as "more raw, perhaps edgier and more risqué" than Rihanna's previous material.