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

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

???????????????10???16?? ??(CNN)????????,????????15???,????????,????,??????????,???????????????????,????

????,??????????????,??????2020???4??????,??????????????

?????,?????9????????????,???????????????????3?4?????????,?????????????????14.2%??,????????????????????2017???????????????????????1??????

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

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

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

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

????????????,????2005???????,???????64%,???57%.

?????????,????????????????????10??????????????????????????????????6.4%??????????8.4%,???????????????????5????20%? ????:??