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