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-courbe d'indi ici convexes car goût pour la diversité, lissage de la conso i.e une conso est équilibrée entre auj et demain-des contraintes de budj intertempo i.e variation de revenul'individu peut emprunter(t.i à payer) ou épargner(placé intérêt reçu)si emprunt en P1 = 100 ----) 100(1+i) remboursé en P2C2= R2+(R1-C1)(1+i) = contrainte b interT (ici conso P2 // conso P1)si R1sup C1 alors individu épargnant et inversement emprunteurR2/1+i = valeur actualisée ET R1*(1+i) valeur future(Capitalisation)

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