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