Ratio	Effective Date	
016.87%	1/1/2024
013.88%	2/1/2023
014.80%	1/1/2023
014.89%	1/1/2022
014.24%	9/1/2021
014.32%	1/1/2021
013.52%	10/1/2020
013.64%	1/1/2020
013.24%	8/1/2019
013.20%	1/1/2019
012.83%	8/1/2018
012.76%	1/1/2018