Assume you can lend and borrow at 5% and have $20,000 in income in each of two periods. Further assume you have current wealth of $50,000. What is your opportunity set? Solve algebraically (i.e. derive the relevant equation) and then plot a graph. On the graph, show an indifference curve (no specific formula required.. just come up with an appropriate shape) and the optimum amount of consumption in each time period (i.e. give me appropriate dollar amounts).