<p>(89)Businesses are suffering because of a lack of money available for development<br />
loans. To help businesses, the government plans to modify the income-tax<br />
structure in order to induce individual taxpayers to put a larger portion of their<br />
incomes into retirement savings accounts, because as more money is deposited in<br />
such accounts, more money becomes available to borrowers.<br />
Which of the following, if true, raises the most serious doubt regarding the<br />
effectiveness of the government&rsquo;s plan to increase the amount of money available<br />
for development loans for businesses?</p>
