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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AMAZON.COM INC - 232 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>8184</EOYFMVAmt>
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        <EOYFMVAmt>12140</EOYFMVAmt>
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        <EOYFMVAmt>10561</EOYFMVAmt>
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        <StockNm>CSX CORP - 389 SHRS.</StockNm>
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        <StockNm>EOG RESOURCES INC - 108 SHRS.</StockNm>
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        <EOYFMVAmt>13063</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MICROSOFT CORP - 234 SHRS.</StockNm>
        <EOYBookValueAmt>87993</EOYBookValueAmt>
        <EOYFMVAmt>87993</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NEXTERA ENERGY INC - 131 SHRS.</StockNm>
        <EOYBookValueAmt>7957</EOYBookValueAmt>
        <EOYFMVAmt>7957</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NIKE INC -CL B - 98 SHRS.</StockNm>
        <EOYBookValueAmt>10640</EOYBookValueAmt>
        <EOYFMVAmt>10640</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NVIDIA CORP - 68 SHRS.</StockNm>
        <EOYBookValueAmt>33675</EOYBookValueAmt>
        <EOYFMVAmt>33675</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NXP SEMICONDUCTORS NV - 48 SHRS.</StockNm>
        <EOYBookValueAmt>11025</EOYBookValueAmt>
        <EOYFMVAmt>11025</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ORACLE CORP - 170 SHRS.</StockNm>
        <EOYBookValueAmt>17923</EOYBookValueAmt>
        <EOYFMVAmt>17923</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>OTIS WORLDWIDE CORP - 106 SHRS.</StockNm>
        <EOYBookValueAmt>9484</EOYBookValueAmt>
        <EOYFMVAmt>9484</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PACCAR INC - 142 SHRS.</StockNm>
        <EOYBookValueAmt>13866</EOYBookValueAmt>
        <EOYFMVAmt>13866</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PAYPAL HOLDINGS INC - 79 SHRS.</StockNm>
        <EOYBookValueAmt>4851</EOYBookValueAmt>
        <EOYFMVAmt>4851</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PNC FINANCIAL SERVICES GROUP - 34 SHRS.</StockNm>
        <EOYBookValueAmt>5265</EOYBookValueAmt>
        <EOYFMVAmt>5265</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROCTER &amp; GAMBLE CO/THE - 61 SHRS.</StockNm>
        <EOYBookValueAmt>8939</EOYBookValueAmt>
        <EOYFMVAmt>8939</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROGRESSIVE CORP - 117 SHRS.</StockNm>
        <EOYBookValueAmt>18636</EOYBookValueAmt>
        <EOYFMVAmt>18636</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROLOGIS INC - 92 SHRS.</StockNm>
        <EOYBookValueAmt>12264</EOYBookValueAmt>
        <EOYFMVAmt>12264</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>QUALCOMM INC - 74 SHRS.</StockNm>
        <EOYBookValueAmt>10703</EOYBookValueAmt>
        <EOYFMVAmt>10703</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>REGENERON PHARMACEUTICALS - 14 SHRS.</StockNm>
        <EOYBookValueAmt>12296</EOYBookValueAmt>
        <EOYFMVAmt>12296</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>RESTAURANT BRANDS INTERN - 136 SHRS.</StockNm>
        <EOYBookValueAmt>10626</EOYBookValueAmt>
        <EOYFMVAmt>10626</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ROCHE HOLDINGS LTD-SPONS ADR - 303 SHRS.</StockNm>
        <EOYBookValueAmt>10978</EOYBookValueAmt>
        <EOYFMVAmt>10978</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>RTX CORPORATION - 60 SHRS.</StockNm>
        <EOYBookValueAmt>5048</EOYBookValueAmt>
        <EOYFMVAmt>5048</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SCHWAB (CHARLES) CORP - 176 SHRS.</StockNm>
        <EOYBookValueAmt>12109</EOYBookValueAmt>
        <EOYFMVAmt>12109</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SENSATA TECHNOLOGIES HOLDING - 101 SHRS.</StockNm>
        <EOYBookValueAmt>3795</EOYBookValueAmt>
        <EOYFMVAmt>3795</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SERVICENOW INC - 10 SHRS.</StockNm>
        <EOYBookValueAmt>7065</EOYBookValueAmt>
        <EOYFMVAmt>7065</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STELLANTIS NV - 210 SHRS.</StockNm>
        <EOYBookValueAmt>4897</EOYBookValueAmt>
        <EOYFMVAmt>4897</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>THERMO FISHER SCIENTIFIC INC - 17 SHRS.</StockNm>
        <EOYBookValueAmt>9023</EOYBookValueAmt>
        <EOYFMVAmt>9023</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>T-MOBILE US INC - 84 SHRS.</StockNm>
        <EOYBookValueAmt>13468</EOYBookValueAmt>
        <EOYFMVAmt>13468</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP INC - 65 SHRS.</StockNm>
        <EOYBookValueAmt>34221</EOYBookValueAmt>
        <EOYFMVAmt>34221</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VERTEX PHARMACEUTICALS INC - 40 SHRS.</StockNm>
        <EOYBookValueAmt>16276</EOYBookValueAmt>
        <EOYFMVAmt>16276</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VISA INC-CLASS A SHARES - 147 SHRS.</StockNm>
        <EOYBookValueAmt>38271</EOYBookValueAmt>
        <EOYFMVAmt>38271</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALMART INC - 134 SHRS.</StockNm>
        <EOYBookValueAmt>21125</EOYBookValueAmt>
        <EOYFMVAmt>21125</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALT DISNEY CO/THE - 89 SHRS.</StockNm>
        <EOYBookValueAmt>8036</EOYBookValueAmt>
        <EOYFMVAmt>8036</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WATERS CORP - 24 SHRS.</StockNm>
        <EOYBookValueAmt>7902</EOYBookValueAmt>
        <EOYFMVAmt>7902</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WELLS FARGO &amp; CO - 322 SHRS.</StockNm>
        <EOYBookValueAmt>15849</EOYBookValueAmt>
        <EOYFMVAmt>15849</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WESTERN DIGITAL CORP - 123 SHRS.</StockNm>
        <EOYBookValueAmt>6442</EOYBookValueAmt>
        <EOYFMVAmt>6442</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WILLIS TOWERS WATSON PLC - 26 SHRS.</StockNm>
        <EOYBookValueAmt>6271</EOYBookValueAmt>
        <EOYFMVAmt>6271</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WORKDAY INC-CLASS A - 21 SHRS.</StockNm>
        <EOYBookValueAmt>5797</EOYBookValueAmt>
        <EOYFMVAmt>5797</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ZOETIS INC - 34 SHRS.</StockNm>
        <EOYBookValueAmt>6711</EOYBookValueAmt>
        <EOYFMVAmt>6711</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc2018100001">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB EMERGING MARKETS PORTFOLIO - 5,504.976 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>139826</BookValueAmt>
        <EOYFMVAmt>139826</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB HIGH INCOME FUND ADVISOR CLASS - 40,996.817 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>284109</BookValueAmt>
        <EOYFMVAmt>284109</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB INTERNATIONAL STRATEGIC EQUITIES PORTFOLIO ADV CL - 24,351.514 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>281016</BookValueAmt>
        <EOYFMVAmt>281016</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ALLIANCEBERNSTEIN GLBL RE-II - 14,391.009 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>143478</BookValueAmt>
        <EOYFMVAmt>143478</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BERNSTEIN INTERMEDIATE DURATION PORTFOLIO - 70,157.224 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>801897</BookValueAmt>
        <EOYFMVAmt>801897</EOYFMVAmt>
      </InvestmentsOtherGrp>
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      <LegalFeesGrp>
        <CategoryTxt>SILBERMAN ZARETSKY PC</CategoryTxt>
        <LegalFeesAmt>78862</LegalFeesAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>78862</DisbursementsCharitablePrpsAmt>
      </LegalFeesGrp>
    </LegalFeesSchedule>
    <OtherAssetsSchedule documentId="RetDoc2046600001">
      <OtherAssetsScheduleGrp>
        <Desc>LITERARY COPYRIGHTS</Desc>
        <BOYBookValueAmt>623000</BOYBookValueAmt>
        <EOYBookValueAmt>623000</EOYBookValueAmt>
        <EOYFMVAmt>623000</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="RetDoc2003200001">
      <OtherExpensesScheduleGrp>
        <Desc>FILING FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>250</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>250</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>DUES</Desc>
        <RevenueAndExpensesPerBooksAmt>400</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>400</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OTHER INVESTMENT EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>28</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>28</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MISCELLANEOUS EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>3040</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>3040</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc2001500001">
      <OtherIncomeDetail>
        <Desc>OTHER INVESTMENT INCOME (LOSS)</Desc>
        <RevenueAndExpensesPerBooksAmt>36</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>36</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>36</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>ROYALTIES</Desc>
        <RevenueAndExpensesPerBooksAmt>78552</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>78552</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>78552</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>SECURITY LITIGATION PROCEEDS</Desc>
        <RevenueAndExpensesPerBooksAmt>56</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>56</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>56</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="RetDoc2049700001">
      <OtherIncreasesDetail>
        <Desc>CHANGE IN UNREALIZED GAIN ON INVESTMENTS</Desc>
        <Amt>265509</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc2002300001">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>SANFORD BERNSTEIN</CategoryTxt>
        <Amt>22479</Amt>
        <NetInvestmentIncomeAmt>22479</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>LENA M. LANCEK</CategoryTxt>
        <Amt>8550</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>8550</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc2002500001">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>1847</Amt>
        <NetInvestmentIncomeAmt>1847</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
