https://www.hkfin-jetso.com/blog/%e8%b2%b7%e4%b8%80%e9%80%81%e4%b8%80%e2%94%82habitu-%e7%b4%85%e8%8f%9c%e9%a0%ad%e6%b3%a1%e6%b2%ab%e7%89%9b%e5%a5%b6%e9%99%90%e6%99%82%e5%84%aa%e6%83%a0/