Ratio	Effective Date	
014.50%	1/1/2024
013.44%	1/1/2023
012.91%	1/1/2022
012.37%	1/1/2021
012.55%	1/1/2020
012.18%	1/1/2019
012.80%	1/1/2018
012.46%	1/1/2017
012.13%	1/1/2016
014.04%	1/1/2015
014.16%	1/1/2014