Ratio	Effective Date	
016.42%	1/1/2024
014.43%	1/1/2023
013.05%	1/1/2022
013.60%	1/1/2021
013.58%	1/1/2020
013.27%	1/1/2019
013.54%	1/1/2018
014.08%	1/1/2017
013.71%	1/1/2016
015.66%	1/1/2015
015.71%	1/1/2014