Solve the following equation: 
Definitions:
APS
Acronym for Accumulated Plan Savings, often related to retirement saving plans; or it could also mean Anti-Phishing Security, depending on the context.
Disposable Income
The monetary resources left for household spending and saving after the application of income taxes.
Dissaving
When consumption is greater than disposable income; negative saving.
APC
In economics, stands for Average Propensity to Consume, which is the fraction of income spent on consumption.
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