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          <RecipientUSAddress>
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          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
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          <RecipientBusinessName>
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          <RecipientUSAddress>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AB SMALL CAP CORE PORTFOLIO ADVISOR CLASS - 3,117.308 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>57323</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AMAZON.COM INC - 230 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AMEREN CORPORATION - 87 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EOG RESOURCES INC - 119 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>20042</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>HONEYWELL INTERNATIONAL INC - 30 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>HUBSPOT INC - 8 SHRS.</StockNm>
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        <EOYFMVAmt>13952</EOYFMVAmt>
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        <StockNm>KLA CORP - 11 SHRS.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>LINDE PLC - 24 SHRS.</StockNm>
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      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>LYONDELLBASELL INDU-CL A - 129 SHRS.</StockNm>
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        <EOYFMVAmt>9581</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MEDTRONIC PLC - 168 SHRS.</StockNm>
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        <EOYFMVAmt>13420</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>8754</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>META PLATFORMS INC-CLASS A - 68 SHRS.</StockNm>
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        <EOYFMVAmt>39815</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>84722</EOYFMVAmt>
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        <EOYFMVAmt>6583</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>78022</EOYFMVAmt>
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        <EOYFMVAmt>9986</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>4730</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>PROCTER &amp; GAMBLE CO/THE - 63 SHRS.</StockNm>
        <EOYBookValueAmt>10562</EOYBookValueAmt>
        <EOYFMVAmt>10562</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROGRESSIVE CORP - 66 SHRS.</StockNm>
        <EOYBookValueAmt>15814</EOYBookValueAmt>
        <EOYFMVAmt>15814</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROLOGIS INC - 94 SHRS.</StockNm>
        <EOYBookValueAmt>9936</EOYBookValueAmt>
        <EOYFMVAmt>9936</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>QUALCOMM INC - 28 SHRS.</StockNm>
        <EOYBookValueAmt>4301</EOYBookValueAmt>
        <EOYFMVAmt>4301</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>REGENERON PHARMACEUTICALS - 9 SHRS.</StockNm>
        <EOYBookValueAmt>6411</EOYBookValueAmt>
        <EOYFMVAmt>6411</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ROCHE HOLDINGS LTD-SPONS ADR - 248 SHRS.</StockNm>
        <EOYBookValueAmt>8650</EOYBookValueAmt>
        <EOYFMVAmt>8650</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SCHWAB (CHARLES) CORP - 241 SHRS.</StockNm>
        <EOYBookValueAmt>17836</EOYBookValueAmt>
        <EOYFMVAmt>17836</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SERVICENOW INC - 4 SHRS.</StockNm>
        <EOYBookValueAmt>4240</EOYBookValueAmt>
        <EOYFMVAmt>4240</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STARBUCKS CORP - 76 SHRS.</StockNm>
        <EOYBookValueAmt>6935</EOYBookValueAmt>
        <EOYFMVAmt>6935</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TAIWAN SEMICONDUCTOR-SP ADR - 43 SHRS.</StockNm>
        <EOYBookValueAmt>8492</EOYBookValueAmt>
        <EOYFMVAmt>8492</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>THERMO FISHER SCIENTIFIC INC - 17 SHRS.</StockNm>
        <EOYBookValueAmt>8844</EOYBookValueAmt>
        <EOYFMVAmt>8844</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>T-MOBILE US INC - 64 SHRS.</StockNm>
        <EOYBookValueAmt>14127</EOYBookValueAmt>
        <EOYFMVAmt>14127</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP INC - 56 SHRS.</StockNm>
        <EOYBookValueAmt>28328</EOYBookValueAmt>
        <EOYFMVAmt>28328</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VERTEX PHARMACEUTICALS INC - 26 SHRS.</StockNm>
        <EOYBookValueAmt>10470</EOYBookValueAmt>
        <EOYFMVAmt>10470</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VISA INC-CLASS A SHARES - 130 SHRS.</StockNm>
        <EOYBookValueAmt>41085</EOYBookValueAmt>
        <EOYFMVAmt>41085</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALMART INC - 294 SHRS.</StockNm>
        <EOYBookValueAmt>26563</EOYBookValueAmt>
        <EOYFMVAmt>26563</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALT DISNEY CO/THE - 127 SHRS.</StockNm>
        <EOYBookValueAmt>14141</EOYBookValueAmt>
        <EOYFMVAmt>14141</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WATERS CORP - 26 SHRS.</StockNm>
        <EOYBookValueAmt>9646</EOYBookValueAmt>
        <EOYFMVAmt>9646</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WELLS FARGO &amp; CO - 275 SHRS.</StockNm>
        <EOYBookValueAmt>19316</EOYBookValueAmt>
        <EOYFMVAmt>19316</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WESTERN DIGITAL CORP - 46 SHRS.</StockNm>
        <EOYBookValueAmt>2743</EOYBookValueAmt>
        <EOYFMVAmt>2743</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WILLIS TOWERS WATSON PLC - 20 SHRS.</StockNm>
        <EOYBookValueAmt>6265</EOYBookValueAmt>
        <EOYFMVAmt>6265</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ZOETIS INC - 44 SHRS.</StockNm>
        <EOYBookValueAmt>7169</EOYBookValueAmt>
        <EOYFMVAmt>7169</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc2018100001">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB EMERGING MARKETS PORTFOLIO - 5,438.561 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>146841</BookValueAmt>
        <EOYFMVAmt>146841</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB GLOBAL REAL ESTATE INVESTMENT II - 14,468.606 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>144252</BookValueAmt>
        <EOYFMVAmt>144252</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB HIGH INCOME FUND ADVISOR CLASS - 43,290.486 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>303467</BookValueAmt>
        <EOYFMVAmt>303467</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>AB INTERNATIONAL STRATEGIC EQUITIES PORTFOLIO ADVISOR CLASS-23,492.541 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>298590</BookValueAmt>
        <EOYFMVAmt>298590</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BERNSTEIN INTERMEDIATE DURATION PORTFOLIO - 72,455.746 SHRS.</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>803534</BookValueAmt>
        <EOYFMVAmt>803534</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <LegalFeesSchedule documentId="RetDoc2002100001">
      <LegalFeesGrp>
        <CategoryTxt>GENERAL COUNSEL</CategoryTxt>
        <LegalFeesAmt>101323</LegalFeesAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>101323</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>OTHER INVESTMENT EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>88</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>88</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc2001500001">
      <OtherIncomeDetail>
        <Desc>OTHER INVESTMENT INCOME (LOSS)</Desc>
        <RevenueAndExpensesPerBooksAmt>8</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>8</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>8</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>ROYALTIES</Desc>
        <RevenueAndExpensesPerBooksAmt>110482</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>110482</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>110482</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>SECURITY LITIGATION PROCEEDS</Desc>
        <RevenueAndExpensesPerBooksAmt>190</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>190</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>190</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="RetDoc2049700001">
      <OtherIncreasesDetail>
        <Desc>CHANGE IN UNREALIZED GAIN ON INVESTMENTS</Desc>
        <Amt>123688</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc2002300001">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>INVESTMENT MANAGEMENT FEES</CategoryTxt>
        <Amt>24121</Amt>
        <NetInvestmentIncomeAmt>24121</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc2002500001">
      <TaxesDetail>
        <CategoryTxt>EXCISE TAXES</CategoryTxt>
        <Amt>5000</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>2281</Amt>
        <NetInvestmentIncomeAmt>2281</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>