<prompt> Translate the following text to SwahiliThe ultimate effect of Social Security reform on national saving depends on complex interactions between government saving and personal saving-both through pension funds and by individuals on their own behalf.  <response>: Madhara ya mwisho ya mageuzi ya usalama wa kijamii juu ya akiba ya kitaifa inategemea mwingiliano tata kati ya akiba ya serikali na akiba ya kibinafsi, kupitia mfuko wa pensheni na kwa watu binafsi kwa niaba yao wenyewe. 