Federal Funds Interest rate decreased from 1.83 to 0.09 from November of 2019 to November of 2020. The 3 month treasury bill secondary market rate dropped from 1.65 to 0.10. The 90 Day AA Nonfinancial Commercial Paper Interest rate dropped from 1.80 to 0.11 during the same time.

Knowing the above info...where would you expect the yields of 3-month negotiable CDs and bankers' acceptances to fall? Why?