To further my reputation for inserting tangential trivia instead of just answering a question, let me mention that it is Daylight Saving Time, not Savings.

Well if you're going to be picky, surely a compound preposed adjective should have a hyphen in it:

• "daylight-saving time" parses as "time with daylight saving", which is presumably what is intended.
• "daylight saving time" parses as "saving time with daylight". I've no idea what "saving time" is (as a noun), but perhaps it's something to do with that bank you mentioned ...

To put it in Perl terms: adjectives are right-associative.

Smylers

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