求翻译：74. 我已经了解清楚，她的结论是以事实为根据的。（be based on)是什么意思？

74 I have to understand clearly, her conclusion is based on facts. (Be based on)

74. I have come to understand clearly that her conclusions is based on facts. Based on (be)

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74. I have made sure that her conclusions are based on facts as the basis. （be based on)

1. more and more people use a credit card, credit card what are the benefits of. use credit cards to credit card in advance, the month repayment, go to the supermarket to buy more convenient, do not carry large sums of cash, and benefit the management of funds, is part of the interest-free period. i