38. Mr. Smith has an income of $40,000 this year and $60,000 next year. He can invest in a project that costs $30,000 this year, Which generates an income of $36,000 next year. The market interest rate is 10%. What Will be his consumption next year if Mr. Smith invests in the project and consumes $50,000 this year? A. $40,000 B. $52,000 C. $60,000 D. $62,000