Ratio	Effective Date	
003.39%	1/1/2024
003.75%	1/1/2023
004.43%	1/1/2022
004.52%	1/1/2021
005.26%	1/1/2020
005.62%	1/1/2019
006.01%	1/1/2018
006.44%	1/1/2017
006.90%	1/1/2016
008.39%	1/1/2015
007.40%	1/1/2014