Passage Summary: The author claims that because savings account balances haven't gone up, people must still be spending the same amount of money as before.

Conclusion: Employed people are not actually spending less money despite the regional staff reductions.

Reasoning: There has been no unusual increase in the amount of money these people are holding in their savings accounts.

Analysis: There is a significant gap between 'not putting money in savings' and 'spending money.' The author assumes that if you aren't spending it, you must be putting it in a savings account. For the conclusion to hold, the argument needs it to be true that there aren't other places this 'unspent' money could be going, such as under a mattress or into a different type of investment. Look for an answer that bridges the gap by stating that any money saved from reduced spending would have to show up in those specific savings accounts.