21.   As they have done so, the personal savings rate has begun to fall again, dropping in each of the latest two quarters.

22.   As in the case of savings rates, these differences have helped credit unions garner a larger share of certain loan markets.

23.   Aside from Chile, savings rates are too low to permit countries to eschew foreign capital.

24.   At a time when economic growth is slowing, an increase in the savings rate could be disastrous.

25.   At the same time, it subtracts the taxes people pay on such gains from their income, effectively lowering their savings rate.

26.   At the top of the agenda for many countries will be discussing efforts to increase the domestic savings rate.

27.   A Clinton administration official conceded that the U.S. savings rate is alarmingly low.

28.   A high dollar also attracted hundreds of billions of dollars in investment to compensate for the low savings rate among Americans.

29.   A high savings rate is generally considered good for an economy because it helps feed investment.

30.   Actually, the savings rate is negative, meaning that we are spending more than we earn.