ch 1. Cochrane, John H. 2013b. "Stopping Bank Crises Before They Start." Wall Street Journal, June 24. 47 EFTA00611700 Diamond, Douglas W., and Phillip H. Dybvig. 1983. "Bank Runs, Deposit Insurance, and Liquidity." Journal of Political Economy 91 (3): 401-419, http://www.jstor.org/stable/1837095. Diamond, Do