<prompt> Translate the following text to SwahiliIn 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.  <response>: Katika makusanyiko ya mwaka wa 1996 ya watafiti waliochunguza IRA za ulimwengu zilizopatikana mwanzoni mwa miaka ya 1980, watafiti walifikia makubaliano matatu tofauti sana: 1 ndiyo, michango mingi iliwakilisha akiba mpya; 2 hapana, michango mingi ya IRA haikuwa akiba mpya; na 3 labda, karibu senti 26 za kila dola iliyowekwa inaweza kuwa inawakilisha akiba mpya. 