To understand how individual accounts might affect national saving, it is necessary to examine the first-order effects accounting for how the government might fund the accounts and then to consider how people might adjust their saving in response to a new account program.
People must change the way they change the way they save because of the new banking rules.
mnli hypothesis: People must change the way they change the way they save because of the new banking rules. premise: To understand how individual accounts might affect national saving, it is necessary to examine the first-order effects accounting for how the government might fund the accounts and then to consider how people might adjust their saving in response to a new account program.