Complete the following reaction by filling in the necessary reagents. 
Definitions:
Utility-Maximizing
The process or behavior of selecting the combination of goods and services that provide the highest utility or satisfaction to an individual, given their budget constraint.
Present Value
The worth at present of a future money amount or sequences of cash flows, applying a specified rate of return.
Investment
The action of allocating resources, usually money, with the expectation of generating an income or profit.
Real Interest Rate
The interest rate adjusted for inflation, reflecting the true cost of borrowing or the true return on savings.
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