<prompt> Translate the following text to SwahiliGiven the large volume and complexity of federal payments and historically low recovery rates for certain programs, it is generally most efficient to pay bills and provide benefits properly in the first place.  <response>: Kwa kuzingatia kiasi kikubwa na utata wa malipo ya shirikisho na viwango vya chini vya kuokoa kwa mipango fulani, kwa ujumla ni ufanisi zaidi kulipa bili na kutoa faida kwa usahihi katika nafasi ya kwanza. 