I have a breakfast kit from Northern Brewer that has been fermentating 3 weeks now. The krausen settled down after about a week. It went from an SG of 1.037 to 1.020. This seems a little high for what might be finished, but it does have a pound of lactose in it which I understand doesn't ferment and should have a higher FG. Also a half pound of barley and 1.5 pounds of flaked oats were steeped with this. So do I have an acceptable FG to go ahead and bottle?