發送短信

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 _    _     ______  __    __    _____    __   _   
| |  | ||  /_   _// \ \\ / //  |  ___|| | || | || 
| |/\| ||   -| ||-   \ \/ //   | ||__   | '--' || 
|  /\  ||   _| ||_    \  //    | ||__   | .--. || 
|_// \_||  /_____//    \//     |_____|| |_|| |_|| 
`-`   `-`  `-----`      `      `-----`  `-`  `-`

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發送短信 : What drives the accrual spread? Evidence from a contemporary decomposition approach