Businesses are suffering bacause of a lack of money available for development loans. To help businesses, the government plans to modify the income-tax structure in order to induce taxpayers to put a larger portion of their incomes into retirements savings accounts, because as more money is deposited in such accounts, more money becomes available to borrowers.

Which of the following, if true, raises the most serious doubt regarding the effectiveness of the government's plan to increase the amount of money available for development loans for businesses?

E. The modified tax structure would give all taxpayers, regardless of their incomes, the same tax savings for a given increase in their retirement savings.

tax savings 是说人们存储的退休金要扣除一部分税的意思吗？也就是说无论存储多少退休金，所扣的税都是相同的？？

我理解是在说:tax saving是在新的tax structure下能剩一部分钱,如果当

retirement saving存在银行的话,