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Energy Star is a success , poised to provide more savings and enhanced environmental protection as soon as the government is ready and able to invest more . Both the DEA and FBI possess unique skills which complement each other and merging the two would not result in cost savings or increased efficiency . Private savings and / or government social security systems may provide a source of independent support for a small , although growing , proportion of older persons . The material resources measure captured two dimensions : employment status , and private investment ( including property , savings and occupational pension ) . Low-cost core deposits are those in demand deposit , interest checking , savings and money market accounts , and exclude CAP accounts and certificates of deposit . In this regard , we are persuaded that any time savings and enhanced productivity of individual employees which would occur under its proposals are likely to be minimal . The Commerce Department reported Thursday that the savings rate for all of 2006 was a negative 1 percent , meaning that not only did people spend all the money they earned but they also dipped into savings or increased borrowing to finance purchases . Most researchers avoid crossover studies because of statistical concerns detecting carryover effects in the two-treatment , two-period design , but other crossover designs are free of this weakness and can decrease the variance by 50 - 90 % , offering huge potential cost savings or increased ability to detect modest treatment effects ( Louis TA et al ., N Engl J Med 1984 ; 310:24 -31 ) . The esti - mated cost savings and / or other advantages that the company or unit will derive should be included in this announcement . There will also , I very much hope , be opportunities for significant efficiency savings and enhanced communication with interested parties . The donors use tax savings and / or income from their charitable gift to make annual contributions to the Insurance Trust .