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

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

?????????????????8??????27??? ?????????????(Bankrate)?,???50%?????????????,?,?????

?,???,????????1???44%,?????2020?????3???

???????????????????????,??????????????????????????????????????????34%?????????32%???,????2022?????????????????,??????

?????????????????(Ted Rossman)?,“???????2021??????????????????,???????????????????,?????2021??????????????????????????????45%??2011?????”

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

??,60%?????????????????????,????2021?10%?????2022?????????????????,????(24%)??????????????????17%?????????????? ???????????:??????????????