Ratio	Effective Date	
011.78%	1/1/2024
011.92%	3/1/2023
009.46%	1/1/2023
009.09%	4/1/2022
009.91%	1/1/2022
009.65%	4/1/2021
010.17%	1/1/2021
009.03%	4/1/2020
009.73%	1/1/2020
009.45%	1/1/2019
009.18%	4/1/2018
009.99%	1/1/2018
010.17%	1/1/2017
010.89%	3/1/2016
011.43%	1/1/2016
013.39%	1/1/2015