發送短信 : EXTRACTING CONSUMER DEMAND: CREDIT CARD SPENDING AND POST-EARNINGS RETURNS

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