??????????????????!??????

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

???8??????8??????????? ???????????????7???,????,????????????????????????????????,???

????,????????????????2000????????,???????????????????,68%?????????????,????????????????????

????????,???,36%??,?20%??????????????????

??????,???,????????????????,????????????15??,????????????2023?3??????????????????,???,?????2025???7???????????????,???????????????????????

????????????,??(68%)????????????,????????,???

Affirm???,“???,?????????????????”

?????,?,?????????????(89%)????,?????????????????????????????,??????,63%??????,??? ???????????????????????:???????????????????