Assume the same individual in Question 4 has access to financial markets. He still is initially set to earn $10 today and $20 tomorrow, but now can borrow or lend at a rate of 10%. His intertemporal utility function is represented by (1,2) = 12^2, where 1 is the amount an individual chooses to consume today and 2 is the amount an individual chooses to consume tomorrow. The individual faces a human-capital production function 31^2 + 2^2 = 700. How much will the individual consume "today"? Recall we can separate the individual's problem into two separate decisions. First, the individual will find the amount of consumption today and tomorrow that will maximize his lifetime endowment subject to his human-capital production function. Knowing this total possible endowment, the individual can then maximize his intertemporal utility function subject to this lifetime maximum obtainable endowment. Hint: Make sure you are consistent in your dollar units when considering financial markets. Either use "dollars today" everywhere (in which case "dollars tomorrow" need to be scaled by 1/(1+) to make them "dollars today") or "dollars tomorrow" everywhere (in which case "dollars today" need to be scaled by 1 + to make them "dollars tomorrow"). A. The individual will consume $8.19 today. B. The individual will consume $9.09 today. C. The individual will consume $9.50 today. D. The individual will consume $20.89 today