aChange in personal saving depends on how much of the $4,000 IRA contribution represents new saving.
( ( aChange ( in ( personal saving ) ) ) ( ( depends ( on ( ( ( how much ) ( of ( the ( ( ( $ 4,000 ) IRA ) contribution ) ) ) ) ( represents ( new saving ) ) ) ) ) . ) )
(ROOT (S (NP (NP (NN aChange)) (PP (IN in) (NP (JJ personal) (NN saving)))) (VP (VBZ depends) (PP (IN on) (SBAR (WHNP (WHNP (WRB how) (RB much)) (PP (IN of) (NP (DT the) (ADJP (QP ($ $) (CD 4,000) (CD IRA))) (NN contribution)))) (S (VP (VBZ represents) (NP (JJ new) (NN saving))))))) (. .)))
The IRA contributes nothing to saving
( ( The IRA ) ( ( contributes nothing ) ( to saving ) ) )
(ROOT (S (NP (DT The) (NNP IRA)) (VP (VBZ contributes) (NP (NN nothing)) (PP (TO to) (NP (NN saving))))))