    ‘Sentence 1: For instance, mandatory account proposals are  more likély to. incféase. private. saying becauise- such .a.  "program: would, require householdsifffat-do not currently  save:stich’as many low-income individuals or families-to  place some amount in an individial account. :         Senterice 2: People who" dont voluntarily save moriey are  less likely to have bank accounts.