Year 0=less disclosure to 10=more disclosure 2005 4.125 2006 4.125 2007 4.125 2008 4.125 2009 4.125 2010 4.125 2011 4.375 2012 4.375 2013 4.375 2014 4.5 2015 4.5 2016 4.75 2017 4.875 2018 5.75 2019 5.75