In the u. s. the amount in savings contributed to iras rose from $239 billion in 1992 to $3,667 billion by 2005, while overall savings actually dropped from low to lower. evidence suggests that , in the economy as a whole, increased savings in these retirement accounts: . are the negative results of a change in wage levels and higher work effort. b. the results of personal preference and intertemporal budget constraints. c. are being offset by negative savings of less saving in other kinds of accounts. d. the result of a higher interest rates and preferences about present consumption

Which of the following is likely not a benefit of requiring a grand jury to listen to and examine all of the evidence against a person suspected of committing a serious crime and then independently deciding whether or not to hand down an indictment? 1.the grand jury system provides the accused another safeguard against being sent to trial and facing conviction based on flawed evidence. 2.the members of the grand jury are drawn from the community and are empowered to render independent decisions about whether or not the government has collected enough evidence to bring an individual to trial. 3.the grand jury’s decision can provide prosecutors insight into what is necessary to build a sufficient case if a similar crime is presented later. 4.the grand jury is impaneled to rubber-stamp prosecutors’ cases, which makes it possible for more cases to reach trial.