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Stability diagram of disks toward closure to form vesicles as a function of rim area fraction φr covered by bile salt and disk radius r. Bold lines correspond to Vf = 0, 1, and 2, which delimit regions of stable, metastable, and unstable disks. Shown are also lines of constant closure time τc = 10−3 s (solid line), 1 s (dashed line), and 103 s (dotted line), respectively. Parameters: aD = 200 Å2, Λ0 = 0.3 kT/Å, and 
