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???????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%?(???) ???????????????:???????????????