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