Go to www.bea.gov and click on "Personal Income and Outlays," and then on "National Income and Product Accounts Tables." Click on "List of All NIPA Tables" and scroll down to "Section 5-Saving and Investment." Select Table 5.1 (Saving and Investment) and download data for gross saving as a percentage of gross national income over the last 40 years into EXCEL. Make a graph of the U.S. personal saving rate over the last 40 years. Is the personal saving rate pretty stable over time? When did the personal saving rate start to fall in the United States?