Ratio	Effective Date	
014.89%	8/1/2018
014.67%	1/1/2018
017.81%	7/1/2017
018.36%	1/1/2017
017.88%	7/1/2016
018.32%	1/1/2016
017.61%	7/1/2015
019.20%	1/1/2015
019.15%	7/1/2014
021.00%	1/1/2014