A link between demographics and savings is sometimes based on a theory of investment that runs thus: young people borrow, middle-aged people save and the elderly draw from their savings. According to this theory, borrowing should be highest when a population is disproportionately young, and savings should be highest when that disproportional cohort reaches middle age.

Question: According to the theory, a high level of savings must mean that a population is disproportionately middle-aged.
Options:
A. true, B. false, C. uncertain
Answer: "B"