Ratio	Effective Date	
018.93%	1/1/2022
011.31%	1/1/2021
011.26%	1/1/2020
013.12%	1/1/2019
013.62%	11/3/2018
009.53%	1/1/2018
011.42%	1/1/2017
011.65%	3/1/2016