Ratio	Effective Date	
014.74%	1/1/2024
012.23%	1/1/2023
011.75%	1/1/2022
011.81%	1/1/2021
012.54%	1/1/2020
012.67%	1/1/2019
013.07%	1/1/2018
014.31%	1/1/2017
014.63%	1/1/2016
017.14%	1/1/2015
017.49%	1/1/2014