=+e. Suppose the “financial literacy” program had no impact on

a. How much would the government have to raise the interest rate for saving (as described in A(b)) in order for you to become a saver? (Hint: You need to first determine c1 and c2 as a function of just r. You can then determine the utility you receive as a function of just r, and you will not switch to saving until r is sufficiently high to give you the same utility you get by borrowing.)