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Investopedia and has been working in the finance publishing field for more than five years. He also writes and edits personal finance content, with a focus on LGBTQ+ finance." tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/clay-halton-4689847" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Clay Halton</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:100.0%;"> <img data-srcset="https://www.investopedia.com/thmb/qUXsNrlKEkm3baOOK2zT-rgUI1Q=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/Clay_Halton_BW_web_ready-13-69177d5045e84abd939938c80735cd05.jpg 90w" data-sizes="90px" data-src="https://www.investopedia.com/thmb/AtaLTkeMPnQMjumd49L0Z-_nxis=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/Clay_Halton_BW_web_ready-13-69177d5045e84abd939938c80735cd05.jpg" alt="Clay Halton" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img src="https://www.investopedia.com/thmb/AtaLTkeMPnQMjumd49L0Z-_nxis=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/Clay_Halton_BW_web_ready-13-69177d5045e84abd939938c80735cd05.jpg" srcset="https://www.investopedia.com/thmb/qUXsNrlKEkm3baOOK2zT-rgUI1Q=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/Clay_Halton_BW_web_ready-13-69177d5045e84abd939938c80735cd05.jpg 90w" alt="Clay Halton" width="90" height="200" class="img--noscript mntl-author-tooltip__image" /> </noscript> </div> </div> <a href="https://www.investopedia.com/clay-halton-4689847" rel="nocaes" id="finance-author-tooltip__link_1-0" class="finance-author-tooltip__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div id="finance-author-tooltip__social_1-0" class="comp finance-author-tooltip__social finance-social-nav mntl-social-nav" data-tracking-container="true"> <ul class="social-nav__list"> <li class="social-nav__item social-nav__item--linkedin"> <a href="https://www.linkedin.com/in/clay-halton-6b5a536b/" target="_blank" rel="noopener nocaes" data-text="Follow" class="social-nav__link social-nav__link--linkedin" aria-label="Visit Clay Halton's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> </ul> </div> <div class="mntl-author-tooltip__bio"> Clay Halton is a Business Editor at Investopedia and has been working in the finance publishing field for more than five years. He also writes and edits personal finance content, with a focus on LGBTQ+ finance. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div> <div class="mntl-attribution__item-date">Updated July 31, 2024</div></div> <div id="mntl-bylines__group_2-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--finance_reviewer"><div id="mntl-bylines__item_2-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <div data-tooltip="<p>Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. She is a financial therapist and transformational coach, with a special interest in helping women learn how to invest.</p>" tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/erika-rasure-4800388" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Erika Rasure</a> <div id="mntl-author-tooltip_2-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:66.7%;"> <img data-srcset="https://www.investopedia.com/thmb/0yPT7GHossEzyqXlttjirnsL7TM=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/CSP_ER9-ErikaR.-dce5c7e19ef04426804e6b611fb1b1b4.jpg 90w" data-sizes="90px" data-src="https://www.investopedia.com/thmb/nTQ8gkm1U0HKME6GioWErcwOZAY=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/CSP_ER9-ErikaR.-dce5c7e19ef04426804e6b611fb1b1b4.jpg" alt="erika" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img src="https://www.investopedia.com/thmb/nTQ8gkm1U0HKME6GioWErcwOZAY=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/CSP_ER9-ErikaR.-dce5c7e19ef04426804e6b611fb1b1b4.jpg" srcset="https://www.investopedia.com/thmb/0yPT7GHossEzyqXlttjirnsL7TM=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/CSP_ER9-ErikaR.-dce5c7e19ef04426804e6b611fb1b1b4.jpg 90w" alt="erika" width="90" height="200" class="img--noscript mntl-author-tooltip__image" /> </noscript> </div> </div> <div id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <span id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item mntl-attribution__item-name">Erika Rasure</span> </div> <a href="https://www.investopedia.com/erika-rasure-4800388" rel="nocaes" id="finance-author-tooltip__link_2-0" class="finance-author-tooltip__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div class="mntl-author-tooltip__bio"> <p>Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. She is a financial therapist and transformational coach, with a special interest in helping women learn how to invest.</p> </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/investopedia-financial-review-board-5076269" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >Financial Review Board</a> </div> </div></div> </div></div> <div id="mntl-bylines__group_3-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--fact_checker"><div id="mntl-bylines__item_3-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Fact checked by</span> <div data-tooltip="<p>Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, and proofreader with more than 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id="article__primary-video-container--jw_1-0" class="comp article__primary-video-container--jw mntl-block"></div> <div id="article__broad-video--jw_1-0" class="comp article__broad-video--jw mntl-jwplayer-broad mntl-block is-hidden" data-pixel-depth="100"><div id="mntl-jwplayer-broad__video_1-0" class="comp mntl-jwplayer-broad__video mntl-jwplayer mm-video lazyload" data-bgset data-sizes="auto"></div> <div id="mntl-jwplayer-broad__title_1-0" class="comp mntl-jwplayer-broad__title mntl-block"><div id="mntl-jwplayer-broad__title--text_1-0" class="comp mntl-jwplayer-broad__title--text mntl-text-block type--mouse"></div> <button id="mntl-jwplayer-broad__title-icon--close_1-0" class="comp mntl-jwplayer-broad__title-icon--close mntl-block type--shrew-bold" data-click-tracked="false"><span id="mntl-text-block_1-0" class="comp mntl-text-block">Close</span> <svg class="icon close-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close-icon" href="#close-icon"></use> </svg></button></div></div> <div id="article-body_1-0" class="comp article-body mntl-block" data-contain-tooltips="true"><div id="mntl-sc-page_1-0" class="comp mntl-sc-page mntl-block article-body-content" data-sc-sticky-offset="80" data-sc-ad-label-height="0" data-sc-ad-track-spacing="90" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300, 1, 1, 1250, 1, 1, 1, 1]" data-bind-scroll-on-start="true"><span class="heading-toc" id="toc-what-is-the-average-propensity-to-save-aps"></span><h2 id="mntl-sc-block_1-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Is the Average Propensity To Save? (APS) </span> </h2> <p id="mntl-sc-block_2-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The average propensity to save (APS) is a macroeconomic term that refers to the proportion of income that is saved rather than spent on current goods and services. Also known as the savings ratio, it is usually expressed as a percentage of total household <a href="https://www.investopedia.com/terms/d/disposableincome.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">disposable income</a> (income minus taxes). </p> <div id="mntl-sc-block_3-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_4-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The inverse of APS is the <a href="https://www.investopedia.com/terms/a/average-propensity-to-consume.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">average propensity to consume</a> (APC). APS is also related to the <a href="https://www.investopedia.com/terms/m/marginal-propensity-save.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">marginal propensity to save</a> (MPS), which expresses the proportion of a change in income that is saved rather than consumed. </p> <div id="mntl-sc-block_5-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_6-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_7-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-whatyouneedtoknow" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_1-0" class="comp mntl-sc-block-callout-heading mntl-text-block">Key Takeaways</h3> <div id="mntl-sc-block-callout-body_1-0" class="comp mntl-sc-block-callout-body mntl-text-block"><ul><li>In macroeconomics, the average propensity to save (APS) refers to the proportion of a population's income that is saved rather than spent on goods and services.</li><li>Also known as the savings rate, APS can express a society's overall preference for investing in the future over consuming in the present.</li><li>APS is driven by individual time preference and may be influenced by a mix of demographic and economic factors, such as the age distribution of the population, the rate of inflation, and current interest rates.</li><li>APS is calculated by dividing total savings by income level.</li></ul></div></div></div> <span class="heading-toc" id="toc-understanding-the-average-propensity-to-save-aps"></span><h2 id="mntl-sc-block_8-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Understanding the Average Propensity To Save (APS) </span> </h2> <p id="mntl-sc-block_9-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The APS is an important <a href="https://www.investopedia.com/terms/e/economic_indicator.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">economic indicator</a> for a population. From a personal finance perspective, the current savings rate of a population can be linked to behaviors, such as saving for <a href="https://www.investopedia.com/terms/r/retirement.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">retirement</a>, which affect the well-being of a population as it ages. Economically, savings are intimately linked with the health of the economy because they represent the choice to forgo current consumption in favor of future consumption, which frees up the real economic resources that are necessary to engage in productive investment and produce capital goods. </p> <div id="mntl-sc-block_10-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_11-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The higher the APS of a society, the more the people in that society value investing in the future over consuming in the present. Investment in productive <a href="https://www.investopedia.com/terms/c/capitalgoods.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">capital goods</a> is the direct driver of sustainable <a href="https://www.investopedia.com/terms/e/economicgrowth.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">economic growth</a>. </p> <div id="mntl-sc-block_12-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-factors-influencing-the-average-propensity-to-save-aps"></span><h2 id="mntl-sc-block_13-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Factors Influencing the Average Propensity To Save (APS) </span> </h2> <p id="mntl-sc-block_14-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Individual savings rates are driven mostly by individual <a href="https://www.investopedia.com/terms/t/time-preference-theory-of-interest.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">time preference</a>, so factors that influence individual time preference will tend to drive APS. A society's APS is the average saving rate across all individuals, which will also depend on population-level characteristics. </p> <div id="mntl-sc-block_15-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_16-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Inflation and Interest Rates </span> </h3> <p id="mntl-sc-block_17-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Factors that make individuals want to spend more now can also influence a population's APS, such as the rate of <a href="https://www.investopedia.com/terms/i/inflation.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">inflation</a> and current interest rates. If inflation is high, prices are expected to rise in the future. People will spend their money now and make purchases in the present day that they may have otherwise delayed in order to get a better price. If they wait, prices may have risen. </p> <div id="mntl-sc-block_18-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_19-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Low <a href="https://www.investopedia.com/terms/i/interestrate.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">interest rates</a> will also encourage people to make purchases now, as they are not being incentivized to save due to the low interest rates being paid. Conversely, a low inflation/<a href="https://www.investopedia.com/terms/d/deflation.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">deflationary</a> environment and high interest rate environment will encourage saving and the delay of purchases. </p> <div id="mntl-sc-block_20-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_21-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Demographic Factors </span> </h3> <p id="mntl-sc-block_22-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> A population's APS can be affected by demographic factors such as the distribution of people of various ages in the region. </p> <div id="mntl-sc-block_23-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_24-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Most people's income and consumption vary over the course of their lives. Children and younger adults consume resources but have not yet matured to reach their productive capacity. Middle-aged people who are in the wealth accumulation phase of their life should be saving their money for large purchases such as houses and for retirement. Older people, once they pass through their most productive years, usually begin spending down the savings they have accumulated, and will at some point begin to consume more than they produce. </p> <div id="mntl-sc-block_25-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_26-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> A population with a low APS might have a large percentage of older people who are retired or past their most productive years, or a high percentage of children and young people who are not yet in the workforce or still building their productive capacity. </p> <div id="mntl-sc-block_27-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-calculating-the-average-propensity-to-save-aps"></span><h2 id="mntl-sc-block_28-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Calculating the Average Propensity to Save (APS) </span> </h2> <p id="mntl-sc-block_29-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> APS is calculated by dividing total savings by income level. Usually, disposable (after-tax) income is used. </p> <div id="mntl-sc-block_30-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_31-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> For example, if the income level is 100 and total savings for that level is 30, then APS is 30/100 or 0.3. APS can never be 1 or greater than 1. That said, APS can have a negative value if income is zero and consumption has a positive value. For example, if income is 0 and consumption is 30, then the APS value will be -0.3. </p></div> <div id="textnote-placeholder_1-0" class="comp textnote-placeholder mntl-block"></div> <div id="textnote_1-0" class="comp textnote mm-ads-gpt-adunit gpt textnote "> <div id="textnote" class="wrapper" ></div> </div></div> </div><div class="loc article-post-content"><div id="performance-marketing_1-0" class="comp performance-marketing mntl-block "><div id="gam-ad-table_1-0" class="comp gam-ad-table ad-table mntl-block"></div></div> </div><div class="loc article-right-rail"><div id="mm-ads-right-rail_1-0" class="comp mm-ads-right-rail mntl-block"><div id="sc-billboard-group_1-0" class="comp sc-billboard-group mntl-block js-scads-inline-content"><div id="mntl-block_1-0" class="comp mntl-block"><div id="fin-billboard1-sticky-dynamic_1-0" class="comp fin-billboard1-sticky-dynamic mm-ads-sc-sticky-square scads-to-load right-rail__item" data-height="1050" style="height: 1050px;"><div 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to be populated for contextual playlists setup.playlist = setup.playlistUrl; const isImmediateAutoplay = false; const playInView = 0; const encodedPageURL = encodeURIComponent(window.location); const domain = Mntl.utilities.getDomain(); const iuPath = '/' + Mntl.GPT.getDfpId() + '/ddm.' + domain.replace('.com', '.video') + (Mntl.GPT.isMobile() ? '.mob' : ''); function formatAdSizeArray(sizeArr) { return sizeArr.map(function(sz) { return sz.join('x'); }).join('|'); } // Assign a randomly-generated, eight character, alpha-numeric value to this property. setup.advertising.adscheduleid = Math.random().toString(36).substr(2,8); // muid - used for audience targeting setup.advertising.ppid = '2cd5b180-d49c-477d-a347-fd71fffc61c8'; let custParams = ''; custParams += '&' + encodeURIComponent('slot') + '=' + encodeURIComponent('broadmatch'); const inFocus = window && window.document && window.document.hasFocus(); const durationParams = Mntl.JWPlayer.getDurationParams(0, true); custParams += '&ttid=' + setup.mediaid; custParams += '&play=' + Mntl.JWPlayer.getCustomPlayValue(setup.autostart, isImmediateAutoplay, playInView); custParams += '&in_focus=' + inFocus; custParams += '&videoduration=' + durationParams.duration; custParams += '&duration_over=' + durationParams.durationOver; custParams += '&duration_under=' + durationParams.durationUnder; setup.advertising.schedule = [{ "offset": "pre", "tag": [ 'https://securepubads.g.doubleclick.net/gampad/ads?', 'sz=', formatAdSizeArray([[640, 360]]), '&iu=', iuPath, '&env=vp&hl=en&gdfp_req=1&impl=s&output=xml_vast2&unviewed_position_start=1&lid=', '&url=', encodedPageURL, '&description_url=', encodedPageURL, '&correlator=', Math.floor(Date.now() / 1000), '&cust_params=', Mntl.GPT.serializeAllTargeting(), encodeURIComponent(custParams), '&ad_rule=1' ].join('') }]; setup.advertising.bids = { "bidders": [{ "name": "Rubicon", "pubid": "7499", "siteId": "382340", "zoneId": "2120008" }], /* Set the mediation layer. Define the floor price. */ "settings": { "mediationLayerAdServer": "dfp", "floorPriceCents": 1100, "buckets": [ { "increment": .10, "min": .10, "max": 50.00 } ] } } Mntl.JWPlayer.init({ accountKey: "oxY0/BqWBX09BISmLN4/xuTz4IdZy713Cdjj4GyHOiYCUCyJ", adSizes: [[640, 360]], defer: true, deferOnRFDS: false, displayMode: "none", divId: "mntl-jwplayer-broad__video_1-0", enableBiddingWithTCData: false, enableTVPEngagementBtns: false, eventCategoryType: "Trending", intersectionMargin: "250px", isImmediateAutoplay: isImmediateAutoplay, isImmediateStickyDisabled: false, isIntersectionDisabled: false, isMobileAdhesive: false, isBroadVideo: true, isPlaylist: true, mediaSize: 1080, playerId: "IYlOBiju", playInView: playInView, showCaptions: true, rtbVideoConfig: {"plcmt":2}, useGamPlcmt: true, usePrebidPlcmt: true, useDynamicVideoSizes: true, skipExistingMediaContent: false, stickyplay: false, useMotionThumbnails: false }, setup ); }(window.Mntl || {})); (function(Mntl) { Mntl.Tooltip.init({ defaultPositionX: "auto", defaultPositionY: "auto" }); })(window.Mntl || {}); (function(Mntl) { Mntl.Tooltip.init({ defaultPositionX: "auto", defaultPositionY: "auto" }); })(window.Mntl || {}); (function(Mntl) { Mntl.Tooltip.init({ defaultPositionX: "auto", defaultPositionY: "auto" }); })(window.Mntl || {}); (function (Mntl) { Mntl.digioh = { script: null, brandId: null, initialized: false, init() { if (this.initialized) return; const brandId = 'e3542c25-d89b-481c-ac4f-44c01364706b'; const digiohFastActivation = 'false'; const lightboxJs = digiohFastActivation === 'true' ? '/lightbox_speed.js' : '/lightbox_inline.js'; // eslint-disable-next-line prefer-template const script = 'https://www.lightboxcdn.com/vendor/' + brandId + lightboxJs; this.brandId = brandId; this.script = script; this.initialized = true; }, load(callback) { this.init(); if (callback) { Mntl.utilities.loadExternalJS({ src: this.script }, callback); } else { Mntl.utilities.loadExternalJS({ src: this.script }); } } }; })(window.Mntl || {}); Mntl.digiohTimerDelay = parseFloat('0') * 1000; }); </script></body> </html>