Ratio	Effective Date	
002.83%	1/1/2024
002.41%	1/1/2023
002.87%	1/1/2022
002.48%	1/1/2021
002.03%	2/12/2020
003.27%	1/1/2020
003.17%	1/1/2019
003.08%	1/1/2018
003.00%	1/1/2017
002.00%	1/1/2016
002.33%	1/1/2015
002.26%	1/1/2014