In the , model, naive people always choose to take an action strictly later than sophisticated people. (T / F) (2) Negative interest rates mean that the present value of something is alway less than its future value. (T / F) (3) The EDU model cannot describe the choices of a person who only cares about imme- diate consumption. (T / F) (4) People who are fully sophisticated never think their future selves are naive. (T / F) (5) Someone who is time-inconsistent must be using quasi-hyperbolic discounting. (T / F)