Ratio	Effective Date	
015.25%	1/1/2022
014.13%	1/1/2021
014.49%	1/1/2020
015.32%	1/1/2019
016.38%	1/1/2018
017.54%	1/1/2017
017.93%	1/1/2016
020.97%	1/1/2015
023.55%	1/1/2014