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

????:?????200??????:????????

?????,????????????????????????????,???????????,???????,?????????????????????????“????”?????????????????????,????,?????????????????,????????????????????,????????:???????????2%??,??

“?????”

??????????12?????????????????19???????????,?,???????????25??,?????????4.25%4.5%???????,????,2025??????????????????,?????

????,???2025??????????????,?????25????????????????,9????????????????,???????????????25????????;??2026??????,??????????????????25????????,?????????????9???????

???????????25??????,?,?????????,????????????,???2.58%,????10????????????????,??1974??????????;???????????700??,?3.56%;??500???2.95%?????????????(CNBC)??????,???????????,???

???????????????,???????19??????????“????????????????”,???????????????,?????????155????????????????1.5%,1????0.00069?????????????,??????????2009???????????????3????????????????????????????

?????,???????18???????????????1.2???????,????72.62?????????????????,??????????0.72%,????2618.78???/??,??

?,??5%,???10?????????????;?????6%,??????9%??????????????????????????24???????????????????,??????253601????????,?????7.02????

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

??????

???9???,?????????????,???????50???????????25?????????????????????,?,???,??????

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

???,??,?????????????????,???????????????????,??????;?????????????????,?????????;???????????,???????2%;?????????????????2%????

???????,?????,??,??????????????????????,??,????????????????(Beth Hammack)????????:“???”??????????90???????????,????,?0.75??????????,????????

??????,?????1??????????????4%4.25%???16.3%??????,??,??????????1???????

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

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

?

“???????????”??,?????“?????”???????????????????,??????,????????1?????????????????,?????????“??????????????????”,????????????????25???????????????????

????????????,????,??3.75%4%,?????????????,????????????????????????,??????????????

????????2024??????3???????“??????????”???,?????????????????????????????????????????????????????????????????????,?????????????????

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

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

????????,2025?????,??“???????????”:????????,???????????????????????????????,????????2025???????????1??????29???????????,?????????????????????,?????????????,????3???????????

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