If it leads to higher savings. Higher savings typically in principle are good for the economy in terms of the long-term productive capacity of the economy. But as I mentioned earlier, we had to go with some of the studies that have been done and the literature. Our conclusion from reading and reviewing those studies was that there isn't really strong evidence to suggest that.
So we made an assumption at that point, based on the literature, that we are not going to assume that the savings rates will increase. We're going to do our study based on the current savings rates. But if the savings rates happen to increase over time, certainly that will be a benefit to the economy.