﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xsi:schemaLocation="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.1">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-04-24T16:01:29-05:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>346565596</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>ERNST &amp; YOUNG US LLP</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>2100 ONE PPG PLACE</AddressLine1Txt>
        <CityNm>PITTSBURGH</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>15222</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>226380612</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>M E BEYERLE TW DEBORAH HOSP FD CO PNC BANK</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>BEYE</BusinessNameControlTxt>
      <PhoneNum>4127686324</PhoneNum>
      <USAddress>
        <AddressLine1Txt>500 FIRST AVE P7-PFSC-03-Z</AddressLine1Txt>
        <CityNm>PITTSBURGH</CityNm>
        <StateAbbreviationCd>PA</StateAbbreviationCd>
        <ZIPCd>15219</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>PNC BANK N A</PersonNm>
      <PersonTitleTxt>TAX MANAGER</PersonTitleTxt>
      <PhoneNum>4127686324</PhoneNum>
      <SignatureDt>2025-04-19</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>JASON BELOT</PreparerPersonNm>
      <PTIN>P00183464</PTIN>
      <PhoneNum>3302555814</PhoneNum>
      <PreparationDt>2025-04-19</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="7">
    <IRS990PF documentId="IRS990PF">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>704892</FMVAssetsEOYAmt>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <DividendsRevAndExpnssAmt>15851</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>15834</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>20239</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>85438</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>20239</CapGainNetIncmNetInvstIncmAmt>
        <NetSTCapitalGainAdjNetIncmAmt>0</NetSTCapitalGainAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>36090</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>36073</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>7806</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>6245</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>1561</CompOfcrDirTrstDsbrsChrtblAmt>
        <OthEmplSlrsWgsNetInvstIncmAmt>0</OthEmplSlrsWgsNetInvstIncmAmt>
        <OthEmplSlrsWgsAdjNetIncmAmt>0</OthEmplSlrsWgsAdjNetIncmAmt>
        <OthEmplSlrsWgsDsbrsChrtblAmt>0</OthEmplSlrsWgsDsbrsChrtblAmt>
        <PensionEmplBnftNetInvstIncmAmt>0</PensionEmplBnftNetInvstIncmAmt>
        <PensionEmplBnftAdjNetIncmAmt>0</PensionEmplBnftAdjNetIncmAmt>
        <LegalFeesDsbrsChrtblAmt>0</LegalFeesDsbrsChrtblAmt>
        <OtherProfFeesDsbrsChrtblAmt>0</OtherProfFeesDsbrsChrtblAmt>
        <InterestDsbrsChrtblAmt>0</InterestDsbrsChrtblAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="TaxesSchedule">337</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>273</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>0</TaxesDsbrsChrtblAmt>
        <DeprecAndDpltnRevAndExpnssAmt>0</DeprecAndDpltnRevAndExpnssAmt>
        <DeprecAndDpltnNetInvstIncmAmt>0</DeprecAndDpltnNetInvstIncmAmt>
        <TravConfMeetingNetInvstIncmAmt>0</TravConfMeetingNetInvstIncmAmt>
        <TravConfMeetingAdjNetIncmAmt>0</TravConfMeetingAdjNetIncmAmt>
        <PrintingAndPubNetInvstIncmAmt>0</PrintingAndPubNetInvstIncmAmt>
        <PrintingAndPubAdjNetIncmAmt>0</PrintingAndPubAdjNetIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>8143</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>6518</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesAdjNetIncmAmt>0</TotOprExpensesAdjNetIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>1561</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>28574</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>28574</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>36717</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>6518</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesAdjNetIncmAmt>0</TotalExpensesAdjNetIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>30135</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-627</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>29555</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <SavAndTempCashInvstBOYAmt>26778</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>26349</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>26349</SavAndTempCashInvstEOYFMVAmt>
        <AcctRcvblEOYAmt>0</AcctRcvblEOYAmt>
        <AcctRcvblEOYFMVAmt>0</AcctRcvblEOYFMVAmt>
        <OtherRcvblAllwncDbtflAcctAmt>0</OtherRcvblAllwncDbtflAcctAmt>
        <CorporateStockBOYAmt>61734</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="InvestmentsCorpStockSchedule">68338</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>125512</CorporateStockEOYFMVAmt>
        <OtherInvestmentsBOYAmt>464918</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="InvestmentsOtherSchedule2">457969</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>553031</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>553430</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>552656</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>704892</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>553430</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>552656</CapitalStockEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>553430</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>552656</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>553430</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>552656</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>553430</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-627</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="OtherIncreasesSchedule">418</OtherIncreasesAmt>
        <SubtotalAmt>553221</SubtotalAmt>
        <OtherDecreasesAmt referenceDocumentId="OtherDecreasesSchedule">565</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>552656</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. ABBVIE INC</PropertyDesc>
          <SoldDt>2024-01-25</SoldDt>
          <GrossSalesPriceAmt>328</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>206</CostOrOtherBasisAmt>
          <GainOrLossAmt>122</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>122</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4. AMERICAN WATER WORKS CO INC</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-01-25</SoldDt>
          <GrossSalesPriceAmt>491</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>334</CostOrOtherBasisAmt>
          <GainOrLossAmt>157</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>157</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4. MERCK &amp; CO INC</PropertyDesc>
          <SoldDt>2024-01-25</SoldDt>
          <GrossSalesPriceAmt>478</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>350</CostOrOtherBasisAmt>
          <GainOrLossAmt>128</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>128</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. BUNGE GLOBAL SA SEDOL BQ6BPG9</PropertyDesc>
          <AcquiredDt>2021-02-23</AcquiredDt>
          <SoldDt>2024-01-25</SoldDt>
          <GrossSalesPriceAmt>265</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>232</CostOrOtherBasisAmt>
          <GainOrLossAmt>33</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>33</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4. BUNGE GLOBAL SA SEDOL BQ6BPG9</PropertyDesc>
          <SoldDt>2024-01-26</SoldDt>
          <GrossSalesPriceAmt>353</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>309</CostOrOtherBasisAmt>
          <GainOrLossAmt>44</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>44</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. BUNGE GLOBAL SA SEDOL BQ6BPG9</PropertyDesc>
          <AcquiredDt>2021-02-22</AcquiredDt>
          <SoldDt>2024-01-29</SoldDt>
          <GrossSalesPriceAmt>89</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>77</CostOrOtherBasisAmt>
          <GainOrLossAmt>12</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>12</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. ABBVIE INC</PropertyDesc>
          <AcquiredDt>2020-02-12</AcquiredDt>
          <SoldDt>2024-02-29</SoldDt>
          <GrossSalesPriceAmt>353</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>194</CostOrOtherBasisAmt>
          <GainOrLossAmt>159</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>159</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. MERCK &amp; CO INC</PropertyDesc>
          <AcquiredDt>2021-10-20</AcquiredDt>
          <SoldDt>2024-02-29</SoldDt>
          <GrossSalesPriceAmt>255</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>162</CostOrOtherBasisAmt>
          <GainOrLossAmt>93</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>93</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>5. ZOETIS INC</PropertyDesc>
          <SoldDt>2024-02-29</SoldDt>
          <GrossSalesPriceAmt>995</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1009</CostOrOtherBasisAmt>
          <GainOrLossAmt>-14</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-14</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>78.833 WCM FOCUSED INTL GROWTH-INS</PropertyDesc>
          <AcquiredDt>2020-07-21</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>2000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1655</CostOrOtherBasisAmt>
          <GainOrLossAmt>345</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>345</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. ISHARES CORE S&amp;P 500 ETF</PropertyDesc>
          <AcquiredDt>2023-03-29</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>513</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>401</CostOrOtherBasisAmt>
          <GainOrLossAmt>112</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>112</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6. ISHARES CORE S&amp;P 500 ETF</PropertyDesc>
          <AcquiredDt>2023-03-07</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>3077</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2403</CostOrOtherBasisAmt>
          <GainOrLossAmt>674</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>674</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>18. ISHARES RUSSELL MID-CAP GROWTH ETF</PropertyDesc>
          <AcquiredDt>2022-03-17</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>2013</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1733</CostOrOtherBasisAmt>
          <GainOrLossAmt>280</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>280</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>8. ISHARES S&amp;P SMALL CAP 600 GROWTH ETF</PropertyDesc>
          <AcquiredDt>2018-05-10</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>1008</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>730</CostOrOtherBasisAmt>
          <GainOrLossAmt>278</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>278</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>12.112 PRINCIPAL MIDCAP FUND-R6</PropertyDesc>
          <AcquiredDt>2020-10-23</AcquiredDt>
          <SoldDt>2024-03-11</SoldDt>
          <GrossSalesPriceAmt>500</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>400</CostOrOtherBasisAmt>
          <GainOrLossAmt>100</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>100</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. DEERE &amp; CO</PropertyDesc>
          <AcquiredDt>2021-01-13</AcquiredDt>
          <SoldDt>2024-04-01</SoldDt>
          <GrossSalesPriceAmt>1216</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>907</CostOrOtherBasisAmt>
          <GainOrLossAmt>309</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>309</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>21. INTERPUBLIC GROUP COMPANIES INC</PropertyDesc>
          <SoldDt>2024-04-01</SoldDt>
          <GrossSalesPriceAmt>682</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>465</CostOrOtherBasisAmt>
          <GainOrLossAmt>217</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>217</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>17. ISHARES CORE S&amp;P 500 ETF</PropertyDesc>
          <AcquiredDt>2023-03-07</AcquiredDt>
          <SoldDt>2024-06-17</SoldDt>
          <GrossSalesPriceAmt>9334</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>6810</CostOrOtherBasisAmt>
          <GainOrLossAmt>2524</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2524</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>259.089 ALLSPRING SPECIAL MID CAP VALUE FUND CL R6</PropertyDesc>
          <SoldDt>2024-06-17</SoldDt>
          <GrossSalesPriceAmt>12654</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>12308</CostOrOtherBasisAmt>
          <GainOrLossAmt>346</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>346</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>12. COMCAST CORPORATION CL A</PropertyDesc>
          <SoldDt>2024-08-15</SoldDt>
          <GrossSalesPriceAmt>470</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>537</CostOrOtherBasisAmt>
          <GainOrLossAmt>-67</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-67</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. COMCAST CORPORATION CL A</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-08-15</SoldDt>
          <GrossSalesPriceAmt>118</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>95</CostOrOtherBasisAmt>
          <GainOrLossAmt>23</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>23</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6. COMCAST CORPORATION CL A</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-08-15</SoldDt>
          <GrossSalesPriceAmt>235</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>190</CostOrOtherBasisAmt>
          <GainOrLossAmt>45</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>45</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. ELI LILLY &amp; CO</PropertyDesc>
          <AcquiredDt>2018-07-16</AcquiredDt>
          <SoldDt>2024-08-15</SoldDt>
          <GrossSalesPriceAmt>928</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>89</CostOrOtherBasisAmt>
          <GainOrLossAmt>839</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>839</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. TJX COMPANIES INC NEW</PropertyDesc>
          <AcquiredDt>2023-02-09</AcquiredDt>
          <SoldDt>2024-08-15</SoldDt>
          <GrossSalesPriceAmt>222</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>162</CostOrOtherBasisAmt>
          <GainOrLossAmt>60</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>60</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>129.45 WASATCH INTL OPPORTUNIT-INST</PropertyDesc>
          <AcquiredDt>2024-06-17</AcquiredDt>
          <SoldDt>2024-08-20</SoldDt>
          <GrossSalesPriceAmt>418</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>400</CostOrOtherBasisAmt>
          <GainOrLossAmt>18</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>18</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2703.848 WASATCH INTL OPPORTUNIT-INST</PropertyDesc>
          <SoldDt>2024-08-20</SoldDt>
          <GrossSalesPriceAmt>8733</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9995</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1262</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1262</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. AIR PRODUCTS &amp; CHEMICALS INC</PropertyDesc>
          <AcquiredDt>2022-10-26</AcquiredDt>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>580</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>506</CostOrOtherBasisAmt>
          <GainOrLossAmt>74</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>74</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. APPLE INC</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>226</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>47</CostOrOtherBasisAmt>
          <GainOrLossAmt>179</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>179</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>10. FOX CORP - CLASS A - W/I</PropertyDesc>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>405</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>394</CostOrOtherBasisAmt>
          <GainOrLossAmt>11</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>11</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. HOME DEPOT INC</PropertyDesc>
          <AcquiredDt>2021-08-26</AcquiredDt>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>392</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>322</CostOrOtherBasisAmt>
          <GainOrLossAmt>70</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>70</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. MICROSOFT CORP</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>434</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>97</CostOrOtherBasisAmt>
          <GainOrLossAmt>337</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>337</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>9. SCHLUMBERGER LTD SEDOL 2779201</PropertyDesc>
          <AcquiredDt>2021-05-25</AcquiredDt>
          <SoldDt>2024-09-23</SoldDt>
          <GrossSalesPriceAmt>386</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>283</CostOrOtherBasisAmt>
          <GainOrLossAmt>103</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>103</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>12. CSX CORP</PropertyDesc>
          <AcquiredDt>2024-04-01</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>401</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>441</CostOrOtherBasisAmt>
          <GainOrLossAmt>-40</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-40</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>15. CSX CORP</PropertyDesc>
          <AcquiredDt>2023-07-07</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>501</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>503</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>12. CSX CORP</PropertyDesc>
          <AcquiredDt>2023-07-07</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>402</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>402</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6. CSX CORP</PropertyDesc>
          <AcquiredDt>2023-11-28</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>201</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>192</CostOrOtherBasisAmt>
          <GainOrLossAmt>9</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>9</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>10. CSX CORP</PropertyDesc>
          <AcquiredDt>2023-07-07</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>336</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>335</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. CINTAS CORP</PropertyDesc>
          <AcquiredDt>2019-04-25</AcquiredDt>
          <SoldDt>2024-10-29</SoldDt>
          <GrossSalesPriceAmt>626</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>161</CostOrOtherBasisAmt>
          <GainOrLossAmt>465</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>465</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6. CELANESE CORP</PropertyDesc>
          <SoldDt>2024-11-06</SoldDt>
          <GrossSalesPriceAmt>554</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>662</CostOrOtherBasisAmt>
          <GainOrLossAmt>-108</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-108</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. CELANESE CORP</PropertyDesc>
          <AcquiredDt>2023-04-12</AcquiredDt>
          <SoldDt>2024-11-06</SoldDt>
          <GrossSalesPriceAmt>93</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>110</CostOrOtherBasisAmt>
          <GainOrLossAmt>-17</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-17</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>18. SCHLUMBERGER LTD SEDOL 2779201</PropertyDesc>
          <AcquiredDt>2021-05-25</AcquiredDt>
          <SoldDt>2024-11-06</SoldDt>
          <GrossSalesPriceAmt>764</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>565</CostOrOtherBasisAmt>
          <GainOrLossAmt>199</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>199</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>210. ISHARES MSCI USA MIN VOL FACTOR ETF</PropertyDesc>
          <AcquiredDt>2023-10-02</AcquiredDt>
          <SoldDt>2024-11-20</SoldDt>
          <GrossSalesPriceAmt>19290</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>15042</CostOrOtherBasisAmt>
          <GainOrLossAmt>4248</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4248</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. ABBVIE INC</PropertyDesc>
          <SoldDt>2024-11-22</SoldDt>
          <GrossSalesPriceAmt>350</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>179</CostOrOtherBasisAmt>
          <GainOrLossAmt>171</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>171</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6. BOSTON SCIENTIFIC CORP</PropertyDesc>
          <AcquiredDt>2023-09-07</AcquiredDt>
          <SoldDt>2024-11-22</SoldDt>
          <GrossSalesPriceAmt>540</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>327</CostOrOtherBasisAmt>
          <GainOrLossAmt>213</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>213</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>5. CDW CORP/DE</PropertyDesc>
          <SoldDt>2024-11-22</SoldDt>
          <GrossSalesPriceAmt>893</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>571</CostOrOtherBasisAmt>
          <GainOrLossAmt>322</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>322</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. STRYKER CORP</PropertyDesc>
          <AcquiredDt>2019-08-08</AcquiredDt>
          <SoldDt>2024-11-22</SoldDt>
          <GrossSalesPriceAmt>385</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>217</CostOrOtherBasisAmt>
          <GainOrLossAmt>168</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>168</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. ALPHABET INC/CA-CL A</PropertyDesc>
          <AcquiredDt>2023-10-03</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>167</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>133</CostOrOtherBasisAmt>
          <GainOrLossAmt>34</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>34</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. APPLE INC</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>694</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>141</CostOrOtherBasisAmt>
          <GainOrLossAmt>553</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>553</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. BLACKROCK FUNDING INC/DE</PropertyDesc>
          <AcquiredDt>2020-12-23</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>1040</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>705</CostOrOtherBasisAmt>
          <GainOrLossAmt>335</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>335</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2. LAM RESEARCH CORP</PropertyDesc>
          <AcquiredDt>2020-03-05</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>147</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>60</CostOrOtherBasisAmt>
          <GainOrLossAmt>87</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>87</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. MICROSOFT CORP</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>416</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>97</CostOrOtherBasisAmt>
          <GainOrLossAmt>319</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>319</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4. TAIWAN SEMICONDUCTOR MTG CO ADR</PropertyDesc>
          <AcquiredDt>2020-12-09</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>739</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>422</CostOrOtherBasisAmt>
          <GainOrLossAmt>317</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>317</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1. VISA INC CLASS A SHARES</PropertyDesc>
          <AcquiredDt>2018-05-11</AcquiredDt>
          <SoldDt>2024-11-25</SoldDt>
          <GrossSalesPriceAmt>311</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>132</CostOrOtherBasisAmt>
          <GainOrLossAmt>179</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>179</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAIN DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GainOrLossAmt>6437</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>20239</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>411</InvestmentIncomeExciseTaxAmt>
        <TaxUnderSection511Amt>0</TaxUnderSection511Amt>
        <SubtotalAmt>411</SubtotalAmt>
        <SubtitleATaxAmt>0</SubtitleATaxAmt>
        <TaxBasedOnInvestmentIncomeAmt>411</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>116</EstimatedPlusOvpmtIncmTxAmt>
        <ExemptFrgnOrgTaxWthldAtSrceAmt>0</ExemptFrgnOrgTaxWthldAtSrceAmt>
        <ExtsnRequestIncomeTaxPaidAmt>0</ExtsnRequestIncomeTaxPaidAmt>
        <TotalPaymentsAndCreditsAmt>116</TotalPaymentsAndCreditsAmt>
        <EsPenaltyAmt>0</EsPenaltyAmt>
        <TaxDueAmt>295</TaxDueAmt>
        <AppliedToESTaxAmt>0</AppliedToESTaxAmt>
        <RefundAmt>0</RefundAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NJ</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd referenceDocumentId="ExplnOfNonFilingWithAGStmt">false</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>PNC BANK NA</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>4127686324</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>500 FIRST AVE P7-PFSC-03-Z</AddressLine1Txt>
          <CityNm>PITTSBURGH</CityNm>
          <StateAbbreviationCd>PA</StateAbbreviationCd>
          <ZIPCd>15219</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>true</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>PNC BANK N A</PersonNm>
          <USAddress>
            <AddressLine1Txt>500 FIRST AVE P7-PFSC-03-Z</AddressLine1Txt>
            <CityNm>PITTSBURGH</CityNm>
            <StateAbbreviationCd>PA</StateAbbreviationCd>
            <ZIPCd>15219</ZIPCd>
          </USAddress>
          <TitleTxt>Trustee</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>2</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>7806</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <OtherEmployeePaidOver50kCnt>0</OtherEmployeePaidOver50kCnt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
        <ContractorPaidOver50kCnt>0</ContractorPaidOver50kCnt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp />
      <SumOfProgramRelatedInvstGrp />
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>696166</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>0</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>696166</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>696166</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>10442</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>685724</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>34286</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>34286</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>411</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>411</TotalTaxAmt>
        <DistributableBeforeAdjAmt>33875</DistributableBeforeAdjAmt>
        <RecoveriesQualfiedDistriAmt>0</RecoveriesQualfiedDistriAmt>
        <DistributableBeforeDedAmt>33875</DistributableBeforeDedAmt>
        <DeductionFromDistributableAmt>0</DeductionFromDistributableAmt>
        <DistributableAsAdjustedAmt>33875</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>30135</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <CharitableAssetsAcquisPaidAmt>0</CharitableAssetsAcquisPaidAmt>
        <SetAsideSuitabilityTestAmt>0</SetAsideSuitabilityTestAmt>
        <SetAsideCashDistriTestAmt>0</SetAsideCashDistriTestAmt>
        <QualifyingDistributionsAmt>30135</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>33875</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>28574</UndistributedIncomePYAmt>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>0</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>0</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>0</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>0</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>0</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>0</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>30135</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>28574</AppliedToYear1Amt>
        <AppliedToPriorYearsAmt>0</AppliedToPriorYearsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>1561</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>0</RemainingDistriFromCorpusAmt>
        <ExcessDistriCyovAppCYCorpusAmt>0</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>0</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>0</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <PriorYearDeficiencyOrTaxAmt>0</PriorYearDeficiencyOrTaxAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>32314</UndistributedIncomeCYAmt>
        <CorpusDistri170b1EOr4942g3Amt>0</CorpusDistri170b1EOr4942g3Amt>
        <ExcessDistriCyovFromYr5Amt>0</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>0</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>0</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>0</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>0</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>0</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>0</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>DEBORAH HOSPITAL FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>212 TRENTON RD</AddressLine1Txt>
            <CityNm>BROWNS MILLS</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>08015</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>28574</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>28574</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <FeesContractsFromGovtAgGrp />
        <MembershipDuesAndAssmntGrp />
        <IntOnSavAndTempCashInvstGrp />
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>15851</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <NetRntlIncmReDebtFincdPropGrp />
        <NetRntlIncmReNotDebtFincdProp />
        <NetRentalIncomePersonalPropGrp />
        <OtherInvestmentIncomeGrp />
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>20239</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <NetIncomeLossFromSpecialEvtGrp />
        <GrossProfitLossSlsOfInvntryGrp />
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>36090</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>36090</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp />
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <ExplnOfNonFilingWithAGStmt documentId="ExplnOfNonFilingWithAGStmt">
      <ExplanationTxt>The New Jersey Office of the Attorney General has indicated that no Forms 990-PF should be filed with the State unless a charitable organization has pre-registered with the office. Although the situs of this trust is New Jersey, it does not solicit contributions from the public and therefore it does not meet the registration requirements of the State of New Jersey. As a result, the Trust does not furnish a copy of its Form 990-PF to the State.</ExplanationTxt>
    </ExplnOfNonFilingWithAGStmt>
    <InvestmentsCorpStockSchedule documentId="InvestmentsCorpStockSchedule">
      <InvestmentsCorporateStockGrp>
        <StockNm>172908105 CINTAS CORP</StockNm>
        <EOYBookValueAmt>482</EOYBookValueAmt>
        <EOYFMVAmt>1644</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>437076102 HOME DEPOT INC</StockNm>
        <EOYBookValueAmt>165</EOYBookValueAmt>
        <EOYFMVAmt>1945</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>460690100 INTERPUBLIC GROUP CO</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>512807108 LAM RESEARCH CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>532457108 ELI LILLY &amp; CO</StockNm>
        <EOYBookValueAmt>357</EOYBookValueAmt>
        <EOYFMVAmt>3088</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>594918104 MICROSOFT CORP</StockNm>
        <EOYBookValueAmt>2239</EOYBookValueAmt>
        <EOYFMVAmt>9695</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>617446448 MORGAN STANLEY</StockNm>
        <EOYBookValueAmt>638</EOYBookValueAmt>
        <EOYFMVAmt>1509</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>620076307 MOTOROLA SOLUTIONS I</StockNm>
        <EOYBookValueAmt>496</EOYBookValueAmt>
        <EOYFMVAmt>1387</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>742718109 PROCTER &amp; GAMBLE CO</StockNm>
        <EOYBookValueAmt>766</EOYBookValueAmt>
        <EOYFMVAmt>1341</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>863667101 STRYKER CORP</StockNm>
        <EOYBookValueAmt>651</EOYBookValueAmt>
        <EOYFMVAmt>1080</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>874039100 TAIWAN SEMICONDUCTOR</StockNm>
        <EOYBookValueAmt>613</EOYBookValueAmt>
        <EOYFMVAmt>1185</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>879360105 TELEDYNE TECHNOLOGIE</StockNm>
        <EOYBookValueAmt>685</EOYBookValueAmt>
        <EOYFMVAmt>928</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>74762E102 QUANTA SVCS INC</StockNm>
        <EOYBookValueAmt>311</EOYBookValueAmt>
        <EOYFMVAmt>1896</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>00287Y109 ABBVIE INC</StockNm>
        <EOYBookValueAmt>575</EOYBookValueAmt>
        <EOYFMVAmt>1244</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>02079K305 ALPHABET INC/CA-CL A</StockNm>
        <EOYBookValueAmt>1980</EOYBookValueAmt>
        <EOYFMVAmt>6626</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>09247X101 BLACKROCK INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>11135F101 BROADCOM INC</StockNm>
        <EOYBookValueAmt>545</EOYBookValueAmt>
        <EOYFMVAmt>4637</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>12514G108 CDW CORP/DE</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>20030N101 COMCAST CORPORATION</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>22160K105 COSTCO WHOLESALE COR</StockNm>
        <EOYBookValueAmt>439</EOYBookValueAmt>
        <EOYFMVAmt>1833</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>30303M102 META PLATFORMS INC</StockNm>
        <EOYBookValueAmt>1972</EOYBookValueAmt>
        <EOYFMVAmt>5270</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>46625H100 JPMORGAN CHASE &amp; CO</StockNm>
        <EOYBookValueAmt>456</EOYBookValueAmt>
        <EOYFMVAmt>2877</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>58933Y105 MERCK &amp; CO INC</StockNm>
        <EOYBookValueAmt>1193</EOYBookValueAmt>
        <EOYFMVAmt>1492</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>78409V104 S&amp;P GLOBAL INC</StockNm>
        <EOYBookValueAmt>600</EOYBookValueAmt>
        <EOYFMVAmt>1494</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>91324P102 UNITEDHEALTH GROUP I</StockNm>
        <EOYBookValueAmt>1354</EOYBookValueAmt>
        <EOYFMVAmt>2529</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>92826C839 VISA INC CLASS A SHA</StockNm>
        <EOYBookValueAmt>789</EOYBookValueAmt>
        <EOYFMVAmt>1896</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>92939U106 WEC ENERGY GROUP INC</StockNm>
        <EOYBookValueAmt>496</EOYBookValueAmt>
        <EOYFMVAmt>752</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>G1151C101 ACCENTURE PLC CLASS</StockNm>
        <EOYBookValueAmt>686</EOYBookValueAmt>
        <EOYFMVAmt>1407</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>002824100 ABBOTT LABORATORIES</StockNm>
        <EOYBookValueAmt>1696</EOYBookValueAmt>
        <EOYFMVAmt>1584</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>023135106 AMAZON COM INC</StockNm>
        <EOYBookValueAmt>4577</EOYBookValueAmt>
        <EOYFMVAmt>6582</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>030420103 AMERICAN WATER WORKS</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>037833100 APPLE INC</StockNm>
        <EOYBookValueAmt>1792</EOYBookValueAmt>
        <EOYFMVAmt>9516</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>053332102 AUTOZONE INC</StockNm>
        <EOYBookValueAmt>2455</EOYBookValueAmt>
        <EOYFMVAmt>3202</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>060505104 BANK OF AMERICA CORP</StockNm>
        <EOYBookValueAmt>1316</EOYBookValueAmt>
        <EOYFMVAmt>2022</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>09260D107 BLACKSTONE INC</StockNm>
        <EOYBookValueAmt>1292</EOYBookValueAmt>
        <EOYFMVAmt>1552</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>244199105 DEERE &amp; CO</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>30231G102 EXXON MOBIL CORP</StockNm>
        <EOYBookValueAmt>994</EOYBookValueAmt>
        <EOYFMVAmt>2044</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>57636Q104 MASTERCARD INC CL A</StockNm>
        <EOYBookValueAmt>1635</EOYBookValueAmt>
        <EOYFMVAmt>2633</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>718172109 PHILIP MORRIS INTERN</StockNm>
        <EOYBookValueAmt>1508</EOYBookValueAmt>
        <EOYFMVAmt>1805</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>806857108 SCHLUMBERGER LTD SED</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>98978V103 ZOETIS INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>009158106 AIR PRODUCTS &amp; CHEMI</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>166764100 CHEVRON CORPORATION</StockNm>
        <EOYBookValueAmt>1088</EOYBookValueAmt>
        <EOYFMVAmt>1014</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>35137L105 FOX CORP - CLASS A -</StockNm>
        <EOYBookValueAmt>547</EOYBookValueAmt>
        <EOYFMVAmt>680</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>580135101 MCDONALD'S CORP</StockNm>
        <EOYBookValueAmt>1098</EOYBookValueAmt>
        <EOYFMVAmt>1160</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>101137107 BOSTON SCIENTIFIC CO</StockNm>
        <EOYBookValueAmt>918</EOYBookValueAmt>
        <EOYFMVAmt>1518</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>126408103 CSX CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>127387108 CADENCE DESIGN SYSTE</StockNm>
        <EOYBookValueAmt>1042</EOYBookValueAmt>
        <EOYFMVAmt>1502</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>150870103 CELANESE CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>438516106 HONEYWELL INTL INC</StockNm>
        <EOYBookValueAmt>1498</EOYBookValueAmt>
        <EOYFMVAmt>1807</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>452308109 ILLINOIS TOOL WORKS</StockNm>
        <EOYBookValueAmt>1742</EOYBookValueAmt>
        <EOYFMVAmt>1775</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>713448108 PEPSICO INC</StockNm>
        <EOYBookValueAmt>1572</EOYBookValueAmt>
        <EOYFMVAmt>1369</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>81762P102 SERVICE NOW INC</StockNm>
        <EOYBookValueAmt>1097</EOYBookValueAmt>
        <EOYFMVAmt>2120</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>872540109 TJX COMPANIES INC NE</StockNm>
        <EOYBookValueAmt>893</EOYBookValueAmt>
        <EOYFMVAmt>1329</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>H11356104 BUNGE GLOBAL SA SEDO</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>H1467J104 CHUBB LTD SEDOL B3BQ</StockNm>
        <EOYBookValueAmt>999</EOYBookValueAmt>
        <EOYFMVAmt>1382</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>049560105 ATMOS ENERGY CORP</StockNm>
        <EOYBookValueAmt>1136</EOYBookValueAmt>
        <EOYFMVAmt>1393</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>09290D101 BLACKROCK FUNDING IN</StockNm>
        <EOYBookValueAmt>585</EOYBookValueAmt>
        <EOYFMVAmt>1025</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>254687106 DISNEY WALT CO</StockNm>
        <EOYBookValueAmt>1091</EOYBookValueAmt>
        <EOYFMVAmt>1002</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>277432100 EASTMAN CHEM CO</StockNm>
        <EOYBookValueAmt>995</EOYBookValueAmt>
        <EOYFMVAmt>822</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>443510607 HUBBELL INC</StockNm>
        <EOYBookValueAmt>1140</EOYBookValueAmt>
        <EOYFMVAmt>1257</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>512807306 LAM RESEARCH CORP</StockNm>
        <EOYBookValueAmt>543</EOYBookValueAmt>
        <EOYFMVAmt>1300</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>571903202 MARRIOTT INTERNATION</StockNm>
        <EOYBookValueAmt>971</EOYBookValueAmt>
        <EOYFMVAmt>1116</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>67066G104 NVIDIA CORP</StockNm>
        <EOYBookValueAmt>8534</EOYBookValueAmt>
        <EOYFMVAmt>8460</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>754730109 RAYMOND JAMES FINANC</StockNm>
        <EOYBookValueAmt>1191</EOYBookValueAmt>
        <EOYFMVAmt>1243</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>824348106 SHERWIN-WILLIAMS CO</StockNm>
        <EOYBookValueAmt>1137</EOYBookValueAmt>
        <EOYFMVAmt>1020</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>893641100 TRANSDIGM GROUP INC</StockNm>
        <EOYBookValueAmt>1337</EOYBookValueAmt>
        <EOYFMVAmt>1267</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>G54950103 NEW LINDE PLC SEDOL</StockNm>
        <EOYBookValueAmt>1431</EOYBookValueAmt>
        <EOYFMVAmt>1256</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>461418444 WCM FOCUSED INTL GRO</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>23661</BookValueAmt>
        <EOYFMVAmt>24424</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464287200 ISHARES CORE S&amp;P 500</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>122067</BookValueAmt>
        <EOYFMVAmt>192498</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464287804 ISHARES CORE S&amp;P SMA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>6560</BookValueAmt>
        <EOYFMVAmt>10715</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464287887 ISHARES S&amp;P SMALL CA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>6345</BookValueAmt>
        <EOYFMVAmt>9611</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>552746364 MFS EMERGING MKTS DE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>14192</BookValueAmt>
        <EOYFMVAmt>12378</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>921939203 VANGUARD INTERNATION</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>26332</BookValueAmt>
        <EOYFMVAmt>25114</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>936793686 WASATCH INTL OPPORTU</CategoryOrItemTxt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>09260B309 BLACKROCK CORE BOND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>45580</BookValueAmt>
        <EOYFMVAmt>55434</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>74256W584 PRINCIPAL MIDCAP FUN</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>13334</BookValueAmt>
        <EOYFMVAmt>18039</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>74440Y884 PGIM HIGH YIELD FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>15352</BookValueAmt>
        <EOYFMVAmt>13909</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>97717X669 WISDOMTREE U.S. QUAL</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>21019</BookValueAmt>
        <EOYFMVAmt>26950</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>317609295 SEAFARER OVERSEAS GR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>16212</BookValueAmt>
        <EOYFMVAmt>12836</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>413838566 OAKMARK INTL SM CAP-</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>6463</BookValueAmt>
        <EOYFMVAmt>8042</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>00171A852 AMG RR SM CAP VAL-I</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>8600</BookValueAmt>
        <EOYFMVAmt>9459</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>00770X675 PZENA EMERG MKTS VAL</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>8087</BookValueAmt>
        <EOYFMVAmt>9774</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464287481 ISHARES RUSSELL MID-</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>10512</BookValueAmt>
        <EOYFMVAmt>13943</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>89154M702 TOUCHSTONE SANDS EM</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>14061</BookValueAmt>
        <EOYFMVAmt>10338</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>94987W513 ALLSPRING SPECIAL MI</CategoryOrItemTxt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>256210105 DODGE &amp; COX INCOME F</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>31600</BookValueAmt>
        <EOYFMVAmt>31335</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46429B267 ISHARES U S TREASURY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>24517</BookValueAmt>
        <EOYFMVAmt>24497</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46429B697 ISHARES MSCI USA MIN</CategoryOrItemTxt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46434V456 ISHARES MSCI INTL QU</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>22475</BookValueAmt>
        <EOYFMVAmt>23126</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>04314H576 ARTISAN INTL SM/MID-</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>9000</BookValueAmt>
        <EOYFMVAmt>8419</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>411512460 HARBOR MID CAP VALUE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12000</BookValueAmt>
        <EOYFMVAmt>12190</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherDecreasesSchedule documentId="OtherDecreasesSchedule">
      <OtherDecreasesDetail>
        <Desc>2024 TRANSACTION POSTED IN 2025</Desc>
        <Amt>451</Amt>
      </OtherDecreasesDetail>
      <OtherDecreasesDetail>
        <Desc>COST BASIS ADJUSTMENT/PY ROC</Desc>
        <Amt>114</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherIncreasesSchedule documentId="OtherIncreasesSchedule">
      <OtherIncreasesDetail>
        <Desc>2023 TRANSACTION POSTED IN 2024</Desc>
        <Amt>413</Amt>
      </OtherIncreasesDetail>
      <OtherIncreasesDetail>
        <Desc>ROUNDING ADJ FOR SALES AND TRANSACTIONS</Desc>
        <Amt>5</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>10</Amt>
        <NetInvestmentIncomeAmt>10</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL ESTIMATES - PRINCIPAL</CategoryTxt>
        <Amt>64</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON QUALIFIED FOR</CategoryTxt>
        <Amt>202</Amt>
        <NetInvestmentIncomeAmt>202</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON NONQUALIFIED</CategoryTxt>
        <Amt>61</Amt>
        <NetInvestmentIncomeAmt>61</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>