https://blog.wongcw.com/2022/09/15/risk-factor%ef%bc%9a%e4%b8%80%e5%80%8b%e8%83%bd%e9%a1%af%e7%a4%ba2050%e5%b9%b4%e6%b0%a3%e5%80%99%e8%ae%8a%e5%8c%96%e6%89%80%e5%b8%b6%e4%be%86%e5%8f%af%e6%80%95%e6%9c%aa%e4%be%86%e7%9a%84%e4%ba%92/