In the Diamond-Dybvig Model

In the Diamond-Dybvig model

A) consumers are not risk averse.
B) the production technology yields more consumption goods in period 1 if interrupted, than if it is not interrupted an pays off in period 2.
C) a bank insures the consumer against the need for liquidity in period 1.
D) the production technology can be interrupted so as to give a return in period 0.
E) consumers can do as well on their own as they do with banks.