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adverse selection agreements Americans annual rate antitrust assets average bank benefits billion Brady bonds Bureau of Economic capital flows changes competition policy consumers consumption contributions costs countries coverage debt decline dollars domestic drug dynamic competition Economic Analysis effect efficient emissions employer employment encourage environmental equity example exports Federal funds rate Federal Government firms fiscal flexibility funds goals gross gross domestic product health insurance important improve incentives income increase individual industries innovation institutions investment labor lower measures Medicaid Medicare ment mergers national saving network effects participation patients payroll taxes pension percent percentage point personal accounts personal saving Pixar plans population potential Primestar productivity growth quarter quota shares real GDP reduce reform result retirement security sablefish seasonally adjusted share Source spending substantial tion Total trade U.S. dollars United workers