The term "3/20" can refer to a specific date, March 20th, which is notable for various events in history. For example, it marks the arrival of the spring equinox in the Northern Hemisphere, a time when day and night are approximately equal in length. This date is often associated with the beginning of spring and various cultural celebrations. In finance, "3/20" can also refer to a type of loan or mortgage structure, where the borrower pays a lower interest rate for the first three years, followed by a higher rate for the remaining term. This structure can be beneficial for those expecting an increase in income or a change in financial circumstances.