I'd rather not step into deeper depth, this is not my field of expertise, and rather than to spurt nonsense, I'd rather simply say that I was explained about the 3% by someone who is great in Finance & analytics.
I was not able to retain the entirety of his explanation, but it made total sense. I'm much too unfamiliar with English acronyms overall to fully understand your answer too, so I'll look into it too.
Friendly,
DF.
Dear @djennyfloro
I just realized that I never actually thanked you for your amazing comment. I absolutely appreciate it.
Perhaps you could also visit my latest post and share your own view on discussed topic. I would love to hear your opinion.
Yours
Piotr