This diagram illustrates Marco's intertemporal consumption choices using a coordinate system where the horizontal axis represents 'consumption now' (ranging from 0 to 120) and the vertical axis represents 'consumption later' (ranging from 0 to 150). Starting from his endowment at (100, 0), the graph shows two linear feasible frontiers: one for storing money, connecting (100, 0) to (0, 100), and another for lending at a 20% interest rate, extending from (100, 0) to (0, 120). The diagram also displays three parallel, downward-sloping, and convex indifference curves. The 'reservation IC' passes through the endowment point. The 'low utility IC' is tangent to the storing frontier at point M (60, 40), where MRS = MRT. The 'medium utility IC' is tangent to the lending frontier at point D (60, 48), representing a higher level of satisfaction.