Which of the following examples illustrates the income effect in intertemporal decision making? Select two correct answers. Select all that apply: An increase in the real interest rate causes an individual to increase both present and future consumption. An increase in the real interest rate causes an individual increase future consumption and decrease present consumption. An decrease in the real interest rate causes an individual to decrease both present and future consumption An increase in the real interest rate causes an individual to increase present consumption and decrease future consumption