2. Alison is deciding how much to consume this year and next year. She anticipates that her salary will be higher next year, so she plans to borrow this year. Suddenly she learns that the interest rate (on savings and borrowing) has decreased. If consumption in both years is a normal good, how does Alison revise her plans? How will her consumption change this year and how will her consumption change next year? Think about this using the concept of substitution and income effects