Premise: In a 1996 symposium examining universal IRAs available in the early 1980s,28 researchers reached three widely divergent  (1) yes, most contributions represented new saving, (2) no, most IRA contributions were not new saving, and (3) maybe, about 26 cents of each dollar contributed may have represented new saving.

Hypothesis: The researchers in the first group were correct in their conclusion.
Relation: neutral