Ratio	Effective Date	
012.83%	8/1/2018
012.76%	1/1/2018
012.42%	7/1/2017
013.00%	1/1/2017
012.66%	7/1/2016
012.95%	1/1/2016
012.89%	7/1/2015
014.05%	1/1/2015
013.65%	7/1/2014
014.92%	1/1/2014