The Federal Reserve's Reserve Requirement is essential for the stability of our economy as well as the financial security of individuals, families, businesses and financial institutions. Requiring banks to have a reserve requirement serves to protect them and their customers from a bank run.
The correct answer is lack of individual liberties.
The Bill of Rights is a list of ten constitutional amendments that protect the liberties and freedoms of American citizens. This Bill of Rights was incorporated into the new US Constitution thanks to the work of the Anti-Federalists. These amendments protect essential liberties including (but not limited to):
freedom of speech
freedom of religion
right to protest
right to a jury trial
The correct answer is Japan and Italy. I hope this helps :)