Provide examples and explain your answer. If inflation rises unexpectedly by 5%, indicate for each of the following whether the economic actor is helped, hurt, or unaffected:

1. A union member with a COLA wage contract
2. Someone with a large stash of cash in a safe deposit box
3. A bank lending money at a fixed rate of interest
4. A person who is not due to receive a pay raise for another 11 months