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Integrity tests that try to predict whether employees will steal, be absent, or otherwise take advantage of an employer don't work very well in practice because so many people lie on them or fake their answers.
APC (Average Propensity to Consume)
The fraction of income that households plan to spend on goods and services; it is the ratio of total consumption to total disposable income.
Disposable Income
Refers to the amount of money that households have available for spending and saving after income taxes have been accounted for.
APS (Average Propensity to Save)
The fraction of total income that is saved by the average household.
Disposable Income
The amount of money an individual or household has to spend or save after income taxes have been deducted.
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