Ratio	Effective Date	
013.49%	1/1/2024
012.41%	2/1/2023
013.58%	1/1/2023
013.57%	1/1/2022
013.02%	9/1/2021
013.28%	1/1/2021
011.96%	10/1/2020
012.08%	1/1/2020
011.73%	8/1/2019
011.37%	1/1/2019
011.05%	10/1/2018