Ratio	Effective Date	
003.07%	1/1/2024
003.16%	1/1/2023
003.81%	1/1/2022
004.06%	1/1/2021
004.68%	2/12/2020
005.85%	1/1/2020
006.27%	1/1/2019
006.16%	1/1/2018
006.00%	1/1/2017
005.00%	1/1/2016
007.80%	1/1/2015
007.58%	1/1/2014