Premise: retirement contributions for low- and moderate-income families.

Hypothesis: low-income families contribute to retirement
Answer: yes

Premise: The major phases of the implementation schedule are discussed below.

Hypothesis: The schedule will be implemented in phases described here.
Answer: yes

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.
Answer: it is not possible to tell

Premise: you know paying back for whatever crime they've committed

Hypothesis: People don't commit crimes.
Answer: no