Editor’s note: All this week on the Business Desk, we are featuring contributions from economists, financial journalists, and other experts on the origins and impact of the financial crisis. Today, we asked several experts to weigh in on the…

Question: How is the U.S. savings rate, which has gone from near zero percent in the past to 6.9 percent recently, determined? And a more elaborate question: Is it truly the difference between what is earned and what is…

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