20. Suppose that before any forward guidance was given a bank believed the FFR would have the values shown in the table below but that with forward guidance it now expects lower rates. Year before guidance 1 0% 2 3% 3 5% w/forward guidance 0% 0% I 0% How much lower is the average FFR with forward guidance in this example? (Give your answer as a decimal, so if it changed from 5% to 3% you would enter 0.02)