Ratio	Effective Date	
013.37%	1/1/2024
013.53%	3/1/2023
014.25%	1/1/2023
013.63%	4/1/2022
014.50%	1/1/2022
015.01%	4/1/2021
015.98%	1/1/2021
016.95%	4/1/2020
018.51%	1/1/2020
019.31%	1/1/2019
019.35%	4/1/2018
019.55%	1/1/2018
019.27%	1/1/2017
020.78%	1/1/2016
018.23%	1/1/2015
017.72%	1/1/2014