One advantage for Mr. Romney is his success with very wealthy donors who can afford to contribute the maximum contribution of $78,800.
They may be able to contribute up to 20 percent of their earnings, with a maximum contribution of $49,000.
Each year, the maximum contribution would rise with inflation.
Lower-income families will have a lower maximum contribution.
The tax law raised the maximum contribution to those accounts to $7,000 this year from $6,500 last year.
The maximum contribution to his campaign, had he taken public financing, would have been $50,000.
It would also gradually raise the maximum contribution to individual retirement accounts to $5,000 in 2004, from $2,000 currently.
Because of the high interest, Charity Wave on Friday increased the maximum contribution allowed to $5,000, from $2,500.
A company with 15 employees can save 40percentt over a traditional policy if they make the maximum contribution.
For the official partying, Mr. Obama set an individual's maximum contribution at $50,000, a fifth of the last Bush inaugural.
