42The point at which the constraint would bind (if that point could be attained) is the m  = c  for which u′(c ) = Rβu′(Γ )
   #  which is c  = Γ ∕(Rβ)1∕ρ
 #  and the consumption function will be defined by `c(m) = min[m, c  +(m − c )κ]
              #        # --  .