Is (0, 0) a critical point of the following function? 
Definitions:
Consumption
The process by which goods and services are utilized to satisfy human wants, including the use of resources.
Income
The monetary payment received by an individual or household for their labor, investments, or from transfer payments, used to fund consumption and savings.
Interest Rate
The cost of borrowing money or the return on investment, typically expressed as an annual percentage of the principal.
Consumption
Families engaging in the use of products and services.
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