g. Now consider the student with b 5 0.5 as a sophomore looking ahead to being a junior. He is fully supported by his parents in his sophomore year, but he knows they will no longer support him in his junior year when he is able to get credit. (Assume that credit card companies do not offer cards to sophomores but only to juniors.) As he thinks about how much he will end up borrowing, will his plan differ from the student who is not present-biased? How much more credit card debt will he end up with than he planned to as a sophomore?