Ratio	Effective Date	
011.16%	1/1/2023
010.72%	1/1/2022
009.86%	1/1/2021
008.99%	1/1/2020
009.91%	1/1/2019
010.01%	1/1/2018
012.51%	1/1/2017
012.82%	1/1/2016
013.29%	1/1/2015
013.50%	1/1/2014