?????????????

????:????????:???????

??????????????11????????????????????????29????????? (??? ??)?28????,??,??????????????????????

?????????????????,???2024???????6.55??????,???????????????2023??????????????6.62????????????????2022???7.24??

??????????????(Amanda Bryden)??????????????,??,????,?????????????????,????????????,????????????,????????

????????2023????????????????8?15?????5.25%,?????????8??,????????????????4.75%??????,??3.75%,??3.1%,2026?????4%?

??,????,?39%?36%,?????????????,???????????????19%,??22%?(?????????????) ????????:??