Ratio	Effective Date	
012.83%	8/1/2018
012.15%	1/1/2018
011.83%	7/1/2017
012.28%	1/1/2017
012.56%	7/1/2016
012.83%	1/1/2016
013.21%	7/1/2015
014.40%	1/1/2015
013.99%	7/1/2014
015.35%	1/1/2014