<prompt> Translate the following text to EnglishBaadhi ya michango inaweza kuwakilisha akiba ambayo ingekuwa kutokea hata bila motisha ya kodi au kiasi tu kuhamishwa kutoka mali taxable au hata kufadhiliwa kwa kukopa.  <response>: Some contributions may represent saving that would have occurred even without the tax incentives or amounts merely shifted from taxable assets or even financed by borrowing. 