The household saving rate in Poland is low relative to other OECD countries, and Poland's population is aging. In 2016, the Polish government announced significant reforms to its pension system to help ensure that Poles will have adequate income in their retirement as numbers grow. It is also hoped that the reforms, which will go into effect in 2018, will encourage higher household saving by providing incentives to participate voluntarily in pension plans. Economic research shows that higher-income households tend to save more and that people respond to incentives. Use an indifference curve-budget line diagram, with the good "saving" on the horizontal axis and all other goods on the vertical axis, to show how the amount of saving in pension plans can increase as household income increases. Assume that no saving occurs when income is at or below the average household income level.