Ratio	Effective Date	
016.61%	1/1/2024
013.97%	1/1/2023
013.42%	5/15/2022
013.69%	1/1/2022
015.76%	1/1/2021
016.39%	1/1/2020
016.23%	2/1/2019
016.40%	1/1/2019
016.58%	1/1/2018
016.55%	5/1/2017
016.88%	1/1/2017
018.45%	1/1/2016
016.45%	1/1/2015
015.99%	1/1/2014