update base reserve to 0.5 XLM

guides/concepts/fees.md

@@ -41,7 +41,7 @@ If there are any unallocated lumens after the vote, those lumens return to the f

All Stellar accounts must maintain a minimum balance of lumens. Any transaction that would reduce an account's balance to less than the minimum will be rejected with an `INSUFFICIENT_BALANCE` error.

The minimum balance is calculated using the **base reserve,** which is **10 XLM**:
The minimum balance is calculated using the **base reserve,** which is **0.5 XLM**:

```math-formula
(2 + [# of entries]) * [base reserve]
@@ -54,7 +54,7 @@ The minimum balance for a basic account is $$2 * [base reserve]$$. Each addition
- Signers
- Data entries

For example, an account with 1 trustline and 2 offers would have a minimum balance of $$(2 + 3) * [base reserve] = 50 XLM$$.
For example, an account with 1 trustline and 2 offers would have a minimum balance of $$(2 + 3) * [base reserve] = 2.5 XLM$$.


## Fee Changes