Ratio	Effective Date	
011.59%	1/1/2024
010.27%	1/1/2023
010.88%	1/1/2022
010.66%	1/1/2021
011.13%	1/1/2020
011.77%	1/1/2019
011.99%	1/1/2018
012.81%	1/1/2017
013.47%	1/1/2016
015.92%	1/1/2015
016.71%	1/1/2014