<prompt> Translate the following text to EnglishKama ilivyoelezwa katika sehemu ya 1, Wamarekani wanaweza kuchagua kuokoa kidogo kwa sababu wana upatikanaji wa haraka wa mikopo na wamejiamini juu ya siku zijazo za Marekani.  <response>: As noted in section 1, Americans may choose to save less because they have ready access to credit and have been confident about the future of the U.S. 