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Suppose you are talking to an intelligent non-professional (e.g. an economics journalist), and the discussion revolves around illiquidity crises vs insolvency crises. Draw a bank

Suppose you are talking to an intelligent non-professional (e.g. an economics journalist), and the discussion revolves around illiquidity crises vs insolvency crises. Draw a bank balance sheet and explain to them the difference between a bank being illiquid and a bank being insolvent.

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