  
\begin{table}
\caption{ Personal Saving Rate---Actual and Explained Change, 2007--2010} \label{tPred} 
\begin{center}
\begin{tabular}{@{}lrrc@{}}\\
\toprule
     Variable & \multicolumn{1}{c}{Baseline }& \multicolumn{1}{c}{Interact }& \multicolumn{1}{c}{Actual $\Delta s_t$ }\\
\midrule 
$\gamma_m\times\Delta m_t$ & $ -1.18 \times -1.39 = 1.64 $ & $ -1.37 \times -1.39 = 1.90 $ & \\
$\gamma_\CEA\times\Delta \CEA_t$ & $ -6.12 \times -0.11 = 0.64 $ & $ -4.60 \times -0.11 = 0.48 $ &  \\
$\gamma_{Eu}\times\Delta \Ex_t u_{t+4} $ & $ 0.29 \times 4.33 = 1.24 $ & $ 0.38 \times 4.33 = 1.67 $ & \\
$\gamma_{uC}\times\Delta (\Ex_t u_{t+4}\times\CEA_t) $ &  & $ -0.32 \times 3.33 = -1.07 $ &  \\\midrule
Explained $\Delta s_t$ &  3.53 &  2.98 & 2.93\\
\bottomrule
\end{tabular}
\end{center}
\end{table} 
