Ratio	Effective Date	
016.05%	1/1/2024
019.31%	3/1/2023
020.53%	1/1/2023
014.45%	4/1/2022
015.11%	1/1/2022
015.82%	4/1/2021
016.96%	1/1/2021
013.31%	4/1/2020
014.15%	1/1/2020
013.74%	1/1/2019
013.35%	4/1/2018
013.91%	1/1/2018
013.54%	1/1/2017
014.50%	1/1/2016
015.52%	1/1/2015
015.08%	1/1/2014