Ratio	Effective Date	
011.43%	1/1/2024
009.33%	3/1/2023
009.47%	1/1/2023
009.21%	4/1/2022
009.17%	1/1/2022
008.87%	4/1/2021
009.04%	1/1/2021
008.54%	4/1/2020
008.73%	1/1/2020
009.40%	1/1/2019
009.78%	4/1/2018
010.07%	1/1/2018
009.82%	1/1/2017
011.23%	1/1/2016
008.80%	1/1/2015
008.98%	1/1/2014