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Risks should not stop us from taking the kind of action we have to take . The answer , obviously , is because saving increases satisfaction by shifting consumption from the present to the future . For example , if I sell you an expensive watch , promising that it is of high quality , and then it breaks , am I a liar ? Since there are double ( and , more rarely , triple ) majors , the total number of comps grades is GREATER THAN the total number of graduating seniors .