Here's a way to remember using a metaphor:
In real estate, if you wish to put a deposit down to reserve a unit, you can put $$ in an escrow account. It shows your good faith that you're ready to rent and are serious. If the owner accepts, they pull the $$ from the escrow account and the renter cannot back out. Thus, there is confidentiality (no one else knows) and reliability (certain conditions must be fulfilled).
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