Consider the graph for Bala who has income now equal to $100 and income later equal to $0. a) What is the interest rate for flatter (lower) budget constraint? b) What is the interest rate for steeper (higher) budget constraint? c) Suppose Bals's budget constraint pivot clockwise and he moves his consumption point from point H to I. What has happened to interest rates? Comparing points H and I is the substitution effect or income effect given this change in interest rates? Explain