61.   If the United States is serious about cutting its trade deficit, economists say, it should look for ways to boost its savings rate.

62.   If the savings rates were to sharply improve, consumers would spend much less.

63.   In addition to sound economic policies the Philippines can combat this vulnerability by increasing its savings rate and easing reliance on foreign capital.

64.   In general, though, both liberal and conservative economists say they find such accounts an intriguing way to increase the savings rate.

65.   In most previous Japanese recessions, the personal savings rate has fallen as workers have received smaller bonuses and done less overtime but have maintained their consumption.

66.   In the Clinton administration, he said, productivity growth has fallen to new lows, resulting in weak wage growth and a declining savings rate.

67.   In the past year, savings rates have fallen faster than most loan rates, making this a prime time to consider paying off debt.

68.   In the United States, the personal savings rate is pathetically low, hovering in recent months around zero.

69.   Increased spending on utilities could well cut further into the personal savings rate, which fell significantly in the second quarter from the first.

70.   Instead, they were willing to cut their savings rate even lower.