[Solved] Transformation is the transfer of DNA from a donor to a recipient cell A) By a bacteriophage. B) By sexual reproduction. C) As naked DNA in solution. D) By cell- to- cell contact. E) By crossing over. Savings Rate: The proportion of disposable income that is saved by households rather than spent, often expressed as a percentage. Net Exports: The value of a country's total exports minus its total imports, a critical component of a nation's gross domestic product (GDP). Saving: The act of setting aside a portion of current income for future use, typically by depositing money in savings accounts or investing in securities. Diminishing Returns: The decrease in the marginal (incremental) output of a production process as the amount of a single factor of production is incrementally increased, keeping all other factors constant.