To better understand how changes in tax laws can affect saving, suppose that Gabrielle, a rising third$-$year in college, plans to save $$600$ from her summer job in order to buy textbooks for the upcoming fall semester. Gabrielle's parents are so impressed with her plans that they offer to pay her an additional $35\%$ interest per month on the money she saves, which means that Gabrielle is now earning a large rate of return on her saving. By the end of the summer, it turns out that Gabrielle saved only $$500($before the interest paid by her parents$)$ from her job. This means that the $q,$ effect must be smaller than the $$ effect for Gabrielle in this case.