2. A consumer receives income 3; in the current period and income y' in the future period, and pays taxes of t and f in the current and future periods, respectively. The consumer can lend at the real interest rate at n. The consumer is given two options: First, he or she can borrow at the interest rate 1'1 but can borrow only.r an amount of a: or less, where :1: =: we y + t. Second, he or she can borrow an unlimited amount at the interest rate r2, where r2 2} T1. Use a diagram to determine which option the consumer chooses, and explain your results.