I need letter a and b

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Suppose there are two periods, no discounting of future utility, no interest on savings, and overall utility function, u(c1,c2)=v(c1)+v(c2) where v is strictly increasing, strictly concave, and differentiable. In period 1 , the consumer is given a wealth of W, from which they can spend on period 1 consumption, or save for period 2 consumption. In the second period, the consumer faces a loss L