People from cultures with strict social norms tend to be less skilled at being funny. These findings suggest that the ability to generate humor is not just an inborn personality trait, but a skill heavily shaped by the social rules of the environment in which a person lives.

· · 来源：loan资讯

The average 30-year fixed mortgage rate is around 5.98% to 5.99% this week, Freddie Mac said Thursday. The percentage is down sharply from 6.8% to 6.9% a year ago and from peaks near 8% in late 2023, per The Wall Street Journal. On a typical loan, that rate drop can cut monthly payments by hundreds of dollars for home buyers.

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