Ratio	Effective Date	
016.31%	1/1/2024
013.92%	1/1/2023
013.87%	1/1/2022
013.71%	1/1/2021
014.10%	1/1/2020
009.75%	1/1/2019
009.64%	1/1/2018
009.64%	1/1/2017
009.57%	1/1/2016
015.52%	1/1/2015
015.35%	9/1/2014
009.85%	1/1/2014