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

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

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