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The specific approach or philosophy will also be significant, depending on the extent to which it’s complementary with the market cycle. Central banks, such as the Federal Reserve System banks within the United States and the Bank of England within the United Kingdom, are sturdy gamers in public finance. They act as lenders of last resort in addition to strong influences on financial and credit situations in the financial system. As outlined, finance contains, broadly, the three areas of private finance, corporate finance, and public finance.