Ratio	Effective Date	
007.97%	1/1/2024
005.43%	1/1/2023
005.48%	1/1/2022
006.95%	1/1/2021
005.98%	1/1/2020
005.72%	1/1/2019
006.11%	1/1/2018
011.56%	1/1/2017
011.82%	1/1/2016
011.74%	1/1/2015
012.26%	3/1/2014
013.18%	1/1/2014