Maria earns $15 per hour in her current job and works 40 hours per week. Her disutility of effort is measured as $1 per hour of work. In the case that she loses her job, she receives $5 per hour unemployment benefit. Additionally, being unemployed has psychological and social costs which is a disutility equivalent to $2 per hour. She expects to find a job at the same wage and disutility of effort after 44 weeks, and her planning horizon is 100 weeks. Which of the following are true?