Question:
One important determinant of the effect on national saving is the funding source for the individual accounts.

Does it follow that "The effect individual accounts on national savings depends on how the accounts are funded."?
Answer:
yes

Question:
and we do have one smoker in our area who and he he seems to miss a lot of work

Does it follow that "There is a smoker in the area that is hardly ever there because he is always at work."?
Answer:
no

Question:
No, that's why we'll have to start all over again.

Does it follow that "We're gonna have to start all over again."?
Answer:
yes

Question:
The Whinlatter Pass Visitor Centre is a hub for many cycle paths and walks.

Does it follow that "Many of the trails will lead you to Whinlatter Pass's Visitor Centre."?
Answer:
yes