In a 1996 symposium examining universal IRAs available in the early 1980s,28 researchers reached three widely divergent  (1) yes, most contributions represented new saving, (2) no, most IRA contributions were not new saving, and (3) maybe, about 26 cents of each dollar contributed may have represented new saving.
28 researchers reached 3 widely divergent conclusions in a 1996 symposium
All 28 researchers came to the same conclusion in the symposium.
The United States doesn't borrow any money from outside the country.
Davis kept up with the newest fantasies of the decade.
The man sat on edge of his chair at the movie theater.
The Asian family is outside.
I know more about the people than the government.
A man is walking his dog.