Ratio	Effective Date	
016.45%	1/1/2024
011.22%	1/1/2023
011.64%	8/1/2022
011.99%	1/1/2022
012.34%	1/1/2021
014.69%	2/3/2020
015.14%	1/1/2020
015.39%	1/1/2019
015.56%	1/1/2018
015.61%	1/1/2017
015.71%	1/1/2016
019.97%	1/1/2015
020.67%	3/3/2014
021.35%	1/1/2014