<prompt> Translate the following text to EnglishKifungu cha 4.3. kinaelezea mipango miwili ya shirikisho ambayo inaruhusu serikali kutoa fedha kwa ajili ya familia zenye mapato ya chini.  <response>: Text box 4.3 describes two federal initiatives allowing governmentsubsidized saving accounts for low-income families. 