????:1?300???qq:??????100?????

2????????150???

3?????????

4????50????

5????????

???10??16?? ?????????????????(CNN)?????,?????????15?????,??,?,???,????????????????????????,??????????????

???,??,?????????????2020???4?,?????????

???????????????????,????9???????,?3?????????????????4??????????,????????????????????14.2%?????,????????????2017???????????????1?????????

“????????????????????,????,???????????”???????????????Bankrate??????????????????????????,“????????????????????????????????????,?,???????????????????????,???????”

???,??????????,???????

“?????????????,??????????????,???????????????”???????????????,“?????????,?????????????????????????????,????????,??????????????”

???????,?????

?,?2005???,?????64%,??????????57%.

???????????,???10????????????????????6.4%?????????????????8.4%,??????????????????????????????5??????20%? ???:????????????????????