Ratio	Effective Date	
007.97%	1/1/2024
009.01%	1/1/2023
009.58%	1/1/2022
009.28%	1/1/2021
010.39%	1/1/2020
010.69%	1/1/2019
011.08%	1/1/2018
011.65%	1/1/2017
012.86%	1/1/2016
016.45%	1/1/2015
017.03%	1/1/2014