Basic WSJ / fed funds question

Perhaps this is a basic question… The Borrowing Benchmarks subsection in the Money & Investing section of the WSJ has, under fed funds, the following listed…

Effective rate 0.14 = My interpretation = The rate that banks tend to borrow and lend, overnight, to one another (How does the wsj know? Rate survey from the large banks?)

High 0.3125 = MI = The highest offer in the survey?

Low 0.12 = MI = The lowest offer in the survey?

Bid 0.10 = MI = Highest bid in the survey?

Offer 0.15 = MI = Lowest bid in the survey?

Correct? Incorrect?