<prompt> Translate the following text to SwahiliRecent proposals have aimed at creating a broader system of subsidized accounts to encourage more Americans to save for retirement.  <response>: Mapendekezo ya hivi karibuni yamekusudiwa kuunda mfumo mpana wa akaunti za ruzuku ili kuhamasisha Wamarekani zaidi kuokoa kwa ajili ya kustaafu. 