Weregularlyhearhowimportantconsumerspendingisfortheeconomy．Thestorygoeslikethis：themoreconsumersspend，themoremoneycirculatesintheeconomy，whichcontributestohealthyjobgrowthandprofits．Keynes，aBritisheconomist，wentasfarastosaythatindividualssavingtheirmoneymayactuallybehurtingtheeconomy．Soundstroubling，doesn'tit？

Fearnot．Youaren'tactuallyhuttinganyoneelsebysavingmoney．Strongeconomicgrowthonlycomesfromoneplace：savings．Notconsumption．Infact，economicactivityshouldnotbemistakenforeconomicgrowth．Forexample，somebodytakestheirmoney，walksintoastore，andpurchasesgoods．Thestoreincreasesitsrevenue．

Butwhathappenstoallofthosegoodsandservicesthatpeoplehavechosennottoconsumebysavingtheirmoney？Simple：Otherpeopleareallowedtoconsumethem．Thinkofitthisway：Whenyoulendoutyoursavings，youareactuallysaying，"Here，Iamnotgoingtoconsumerightnow，sowhydon'tyou？"Bankssimplyplaythemiddleman：theycollectlotsofpeople'ssavingsandthenlendoutlotsoffunds．

Ittakesanunbelievableamountofgoodsandservicestoconstructabuilding．Ittakesfood，shelter，andentertainmentforalloftheworkers，aswell．Withoutsavings，itisquiteimpossibletofinancesuchaconstruction．Thecoordination（协调）betweensavingsandconsumptionisanecessarybasisforsoundeconomicgrowth．Thiscoordinationisalsowhyconsumerlending（say，toborrowabigsumofmoneytobuyacar）isnotproductive，inastrictsense．Itdoesn'tincreasethenet（净的）amountofwealthofaneconomy．Thosesavingscouldhavebeenusedtoconstruct，say，factoryequipment．

Noneofthismeansconsumptionandspendingare"bad"things．Theysimplydonotmakeuswealthier．Alterall，thefinalgoalofproductionandsavingsistoconsume．Buttosaythatconsumptionistheengineofeconomicgrowthistoputthecartbeforethehorse．Or，torephrase：theconsumptionofwealthcannevermakeyouwealthier．Happier，perhaps．Wealthier，no．

63．Whatistheauthor'sattitudetowardsKeynes'theory？___

A．Approving．

B．Reserved．

C．Uncertain．

D．Critical．

64．Theunderlinedword"revenue"inParagr