I'm a math nerd, so I'm going to be a stickler on this.
First of all, 0.1 x 0.2 = 0.02, not 0.5. You're taking 10% of 20%, which is 2%.
However, you're over-thinking it. We're not multiplying 10% and 20%. We've taken the decay rate of 10% and doubled it from what it was to 20%. When you double something, you're increasing it by 100% of what it was. 100% of 10% is another 10%, and 10% + 10% = 20%.
Maffs.
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