<prompt> Translate the following text to SwahiliTo understand how individual accounts might affect national saving, it is necessary to examine the first-order effects accounting for how the government might fund the accounts and then to consider how people might adjust their saving in response to a new account program.  <response>: Ili kuelewa jinsi akaunti za mtu binafsi zinaweza kuathiri akiba ya kitaifa, ni muhimu kuchunguza athari za kwanza za uhasibu kwa jinsi serikali inaweza kufadhili akaunti na kisha kuzingatia jinsi watu wanaweza kurekebisha akiba yao kwa kukabiliana na mpango mpya wa akaunti. 