阅读下面这段文字，概括“众筹”的四个主要特点，每个特点不超过6个字。

    众筹指一种向群众募资以支持发起的个人或组织的行为，香港译作“群众集资”，台湾译作“群众募资”，由发起人、跟投人、平台构成，任何人无论身份、地位、职业、年龄、性别，只要有想法有创造能力都可以发起项目。众筹项目必须先让项目的创意（设计图、成品、策划等）达到可展示的程度，并通过平台的审核，而不单单是一个概念或者一个点子。现代众筹一般通过互联网方式发布筹款项目并募集资。群众募资被用来支持各种活动，包含灾害重建、竞选活动、创业募资、艺术创作、软件开发、设计发明、科学研究等。

从经济上说,增加就业不但可以充分利用我国丰富的劳动力资源,而且还能促进经济的良性循环。正确表示这种循环过程的是(　　) 

    J.K Rowling is the writer of the Harry Potter series, the most popular books.

    J.K. Rowling was born in Bristol in 1965. She has one sister 1 is two years younger than her. Both girls loved listening to bedtime 2 . They loved stories about the magical (有魔力的) world. Rowling 3her first story, called rabbit at the age of six.

    4 she graduated from the university, Rowling worked in London. During that time, on a long train trip in the summer of 1990, the idea of a 5 who has magic but doesn't know it himself came to6 . In 1992, Rowling began to teach English. She lived with her daughter, Jessica, and7much time finishing the first Harry Potter book for young8. It came out in 1997. To her 9 , the book was very successful. The film came out in 2001. Now the Harry Potter series is 10with people of all ages.

    Why is the series so successful? Many other magic stories11place in faraway lands in the past or future times,12Harry lives in modern England. He 's also a very normal boy. When other 13 read the story about Harry, they can 14 being like him.

    J.K. Rowling is very happy with her success. She says she will go on 15 children's books.