Ratio	Effective Date	
016.82%	1/1/2024
013.67%	2/1/2023
011.38%	1/1/2023
010.93%	1/1/2022
010.21%	9/1/2021
010.44%	1/1/2021
010.28%	10/1/2020
010.85%	1/1/2020
011.23%	8/1/2019
011.53%	1/1/2019
014.57%	10/1/2018