Suppose the table below describes the market wage schooling curve: Schooling s Wage Change Aw Wage w Marginal Rate of Return Aw/w (grade) ($/year) ($/year/grade) (percent/grade) 10 25,600 3,200 12.5 11 28,800 3,200 11.1 12 32,000 3,200 10.0 13 35,200 3,200 9.1 14 38,400 3,200 8.3 15 16 567 41,600 3,200 7.7 44,800 3,200 7.1 17 48,000 3,200 6.7 18 51,200 3,200 Two workers in this market, Andy and Ollie, have access to two different interest rates of 9% and 7%, respectively. Suppose they are both wealth maximizers and choose their years of schooling based on this table and their own interest rate only.