Suppose that due to a pandemic people are worried and want to save more in case they lose their job and income. At the same time many businesses, concerned about how the pandemic will impact the economy, cut back on starting new investment projects. What can you conclude with certainty will happen to the neutral real interest rate and quantity of credit based on our model? C] real interest rate rises C] real interest rate declines C] quantity of credit increases C] quantity of credit decreases