<prompt> Translate the following text to SwahiliIn recent years, policymakers have explored providing refundable tax incentives and government matching to encourage Americans to save more.  <response>: Katika miaka ya hivi karibuni, watunga sera wamechunguza kutoa motisha za kodi zinazoweza kurudishwa na kufanana kwa serikali kuhamasisha Wamarekani kuokoa zaidi. 