I could do that, I’d just like to read more about the arguments for keeping it at exactly 20% and to find convincing arguments

When I lowered to 16% I felt like the arguments for lowering a little bit were stronger (as the whole world is lowering interest rates and 16% felt still high and competitive, among the highest available in DeFi but not too much high)

I could raise it back to 20% but I’d need to read and understand the arguments for it so that I myself feel convinced but also that I can take the arguments as mine to explain to others of why 20%