A Lower Real Interest Rate Has Both Positive and Negative

A lower real interest rate has both positive and negative effects on saving;

A) it increases the reward for saving,but decreases the amount people need to save each year to reach a specific target.
B) it increases the reward for saving,and increases the amount people need to save each year to reach a specific target.
C) it decreases the reward for saving,and decreases the amount people need to save each year to reach a specific target.
D) it decreases the reward for saving,but increases the amount people need to save each year to reach a specific target.
E) it initially increases,then decreases,the reward for saving,but decreases the amount people need to save each year to reach a specific target.