Hi, this was the table generated when the real interest rate have increased, if the consumer is a saver and this is what happens, i wonder if this was a borrower, may you explain a same table to state the substitution effect and the income effect, net effect as well, for both consumption in period 1 and in period 2, thanks!

What is the effect of an increase in the real interest rate when the consumer is a saver? Substitution effect: C1 has become more expensive relative to Cg. Consumer wants less C1 and more Cg. Income effect: Because the consumer is a saver a higher interest rate increases their income. Consumer wants more C1 and more Cg. Effect I C1 I C2 Substitution effect i T Income effect T T Net effect l ? l T