The correct answer is GOVERNMENT REGULATIONS.
Fractional reserve banking is a banking practice, in which a bank is expected to put on reserve a particular fraction of the money it receives as deposits from customers. The central bank of each country regulate the commercial banks and stipulate the amount of money that the banks must hold as reserve per time.
Sun and planets> the sun is just a ball of fire lolz
Jim Crow laws were state and local laws that enforced racial segregation in the southern United States. These laws were enacted in the late 19th and early 20th centuries by white southern democrat dominated state legislatures to disenfranchise and remove political and economic gains made by black people during the reconstruction period.
