This document discusses restricted earth fault (REF) protection schemes for transformers and generators. It explains that a REF scheme is needed to detect internal earth faults since they may not cause current to flow through the external overcurrent protection. A REF scheme works by summing the currents entering and exiting a protected zone using two sets of current transformers, and tripping if the sums are unequal, indicating an internal fault. Key elements of a REF scheme include the REF relay, stabilizing resistor to avoid spurious trips from CT mismatches, and specifying a high knee point voltage for the CTs. Examples of REF schemes for generators and transformer configurations are also provided.