According to an article in the Wall Street Journal in June 2016, Congressman Jeb Hensarling of Texas, chair of the House Financial Services Committee, criticized the Fed for paying banks an interest rate on their reserves that was higher than the federal funds rate. Briefly explain why the federal funds rate is typically lower than the interest rate the Fed pays banks on reserves. Is it likely that the Fed would be able to set the interest rate it pays banks on reserves equal to the actual federal funds rate? Briefly explain.