Ryan has $70,000 today and will receive $90,000 in exactly 1 year. Assume the interest rate is 10% Ryan has an opportunity that will cost him $20,000 now and offers a risk-free payoff of $25,000 next year. Ryan wants to be able to consume $70,000 now How much more can Ryan consume next year, with the investment opportunity, compared to a situation with no borrowing or lending