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        <EOYFMVAmt>181987</EOYFMVAmt>
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        <EOYFMVAmt>7312</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ADT LTD</StockNm>
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        <EOYFMVAmt>1590</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ALLIANCEBERN GLOBAL BOND ADV</StockNm>
        <EOYBookValueAmt>233038</EOYBookValueAmt>
        <EOYFMVAmt>236000</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ALLIANCEBERNSTEIN REAL RETURN</StockNm>
        <EOYBookValueAmt>99768</EOYBookValueAmt>
        <EOYFMVAmt>111792</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ALPHABET INC CL C</StockNm>
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        <StockNm>AMAZON COM</StockNm>
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        <EOYFMVAmt>17312</EOYFMVAmt>
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        <StockNm>AMER FIN GRP HLD</StockNm>
        <EOYBookValueAmt>2047</EOYBookValueAmt>
        <EOYFMVAmt>2050</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <StockNm>ANALOG DEVICES INC</StockNm>
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        <EOYFMVAmt>5695</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>APPLE INC</StockNm>
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        <EOYFMVAmt>24196</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AUTOMATIC DATA PROCESSING INC</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AUTOZONE INC</StockNm>
        <EOYBookValueAmt>6395</EOYBookValueAmt>
        <EOYFMVAmt>6783</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BAE SYSTEMS PLC</StockNm>
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        <EOYFMVAmt>5294</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BANK OF AMERICA CORP</StockNm>
        <EOYBookValueAmt>5667</EOYBookValueAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BERNSTEIN INTERMEDIATE DURATIO</StockNm>
        <EOYBookValueAmt>230273</EOYBookValueAmt>
        <EOYFMVAmt>236331</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BOOKING HOLDINGS INC</StockNm>
        <EOYBookValueAmt>4987</EOYBookValueAmt>
        <EOYFMVAmt>5355</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BROADCOM INC</StockNm>
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        <EOYFMVAmt>15575</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CBOE HOLDINGS INC</StockNm>
        <EOYBookValueAmt>3952</EOYBookValueAmt>
        <EOYFMVAmt>5020</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CISCO SYSTEMS INC</StockNm>
        <EOYBookValueAmt>7263</EOYBookValueAmt>
        <EOYFMVAmt>7857</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CME GROUP, INC</StockNm>
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        <EOYFMVAmt>1638</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>COLGATE-PALMOLIVE COMPANY</StockNm>
        <EOYBookValueAmt>3764</EOYBookValueAmt>
        <EOYFMVAmt>3240</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>COMPASS GROUP PLC ADR</StockNm>
        <EOYBookValueAmt>5778</EOYBookValueAmt>
        <EOYFMVAmt>5469</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>COPT DEFENSE PROPERTIES</StockNm>
        <EOYBookValueAmt>1567</EOYBookValueAmt>
        <EOYFMVAmt>1529</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>DIGITAL RLTY TR INC</StockNm>
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        <EOYFMVAmt>2166</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EATON CORP PLC</StockNm>
        <EOYBookValueAmt>1995</EOYBookValueAmt>
        <EOYFMVAmt>1911</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ELI LILLY &amp; CO</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EVEREST GROUP, LTD</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EXPERIAN GROUP LTD S/ADR</StockNm>
        <EOYBookValueAmt>3792</EOYBookValueAmt>
        <EOYFMVAmt>3885</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EXTRA SPACE STORAGE</StockNm>
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        <EOYFMVAmt>1432</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EXXON MOBIL CORP</StockNm>
        <EOYBookValueAmt>2475</EOYBookValueAmt>
        <EOYFMVAmt>2768</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>GENPACT LIMITED</StockNm>
        <EOYBookValueAmt>2099</EOYBookValueAmt>
        <EOYFMVAmt>2292</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>GILEAD SCIENCES INC</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>HANOVER INS GROUP</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>INTUIT</StockNm>
        <EOYBookValueAmt>6794</EOYBookValueAmt>
        <EOYFMVAmt>7287</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>JACOBS SOLUTIONS INC</StockNm>
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        <EOYFMVAmt>2119</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN CHASE</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>L3HARRIS TECHNOLOGIES</StockNm>
        <EOYBookValueAmt>5908</EOYBookValueAmt>
        <EOYFMVAmt>7633</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>LEIDOS HOLDINGS INC</StockNm>
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        <EOYFMVAmt>7036</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>M&amp;T BANK CORP</StockNm>
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        <EOYFMVAmt>2418</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MARSH AND MCLENNAN COMPANIES I</StockNm>
        <EOYBookValueAmt>3818</EOYBookValueAmt>
        <EOYFMVAmt>3339</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MASTERCARD INC</StockNm>
        <EOYBookValueAmt>6426</EOYBookValueAmt>
        <EOYFMVAmt>6851</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MCKESSON CORP</StockNm>
        <EOYBookValueAmt>6289</EOYBookValueAmt>
        <EOYFMVAmt>9023</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MEDTRONIC PLC</StockNm>
        <EOYBookValueAmt>3902</EOYBookValueAmt>
        <EOYFMVAmt>4611</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MERCK &amp; CO INC</StockNm>
        <EOYBookValueAmt>7977</EOYBookValueAmt>
        <EOYFMVAmt>8631</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>META PLATFORMS INC</StockNm>
        <EOYBookValueAmt>6002</EOYBookValueAmt>
        <EOYFMVAmt>6601</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MICROSOFT CORP</StockNm>
        <EOYBookValueAmt>31810</EOYBookValueAmt>
        <EOYFMVAmt>36272</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MONSTER BEVERAGE CORP</StockNm>
        <EOYBookValueAmt>1747</EOYBookValueAmt>
        <EOYFMVAmt>2223</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MOTOROLA SOLUTIONS INC</StockNm>
        <EOYBookValueAmt>4638</EOYBookValueAmt>
        <EOYFMVAmt>4217</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NETFLIX INC</StockNm>
        <EOYBookValueAmt>4526</EOYBookValueAmt>
        <EOYFMVAmt>3750</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>NEW YORK TIMES CO CL A</StockNm>
        <EOYBookValueAmt>2515</EOYBookValueAmt>
        <EOYFMVAmt>3332</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NEXTERA ENERGY, INC</StockNm>
        <EOYBookValueAmt>5419</EOYBookValueAmt>
        <EOYFMVAmt>5218</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>NICE SYSTEMS LTD</StockNm>
        <EOYBookValueAmt>3810</EOYBookValueAmt>
        <EOYFMVAmt>2713</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>NVIDIA CORP</StockNm>
        <EOYBookValueAmt>16476</EOYBookValueAmt>
        <EOYFMVAmt>21261</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>O'REILLY AUTOMOTIVE INC</StockNm>
        <EOYBookValueAmt>1970</EOYBookValueAmt>
        <EOYFMVAmt>2280</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PHILIP MORRIS INTL</StockNm>
        <EOYBookValueAmt>4939</EOYBookValueAmt>
        <EOYFMVAmt>6416</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROCTER GAMBLE CO</StockNm>
        <EOYBookValueAmt>2662</EOYBookValueAmt>
        <EOYFMVAmt>2293</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>REINSURANCE GROUP AMER INC</StockNm>
        <EOYBookValueAmt>1709</EOYBookValueAmt>
        <EOYFMVAmt>1628</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>RELX PLC</StockNm>
        <EOYBookValueAmt>4808</EOYBookValueAmt>
        <EOYFMVAmt>4204</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ROPER INDUSTRIES</StockNm>
        <EOYBookValueAmt>3135</EOYBookValueAmt>
        <EOYFMVAmt>2671</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>S&amp;P GLOBAL INC COM</StockNm>
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        <EOYFMVAmt>6794</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>SERVICE NOW</StockNm>
        <EOYBookValueAmt>7970</EOYBookValueAmt>
        <EOYFMVAmt>6128</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>SHELL ADR EACH REPRESENTING 2</StockNm>
        <EOYBookValueAmt>4325</EOYBookValueAmt>
        <EOYFMVAmt>5070</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>SS&amp;C TECHNOLOGIES INC</StockNm>
        <EOYBookValueAmt>4384</EOYBookValueAmt>
        <EOYFMVAmt>4458</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STANTEC INC</StockNm>
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        <EOYFMVAmt>3491</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>TAIWAN SEMICONDUCTOR MFG CO LT</StockNm>
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        <EOYFMVAmt>8205</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>THE COCA-COLA CO</StockNm>
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        <EOYFMVAmt>3985</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>THERMO FISHER SCIENTIFIC INC</StockNm>
        <EOYBookValueAmt>3228</EOYBookValueAmt>
        <EOYFMVAmt>3477</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TRAVELERS COMPANIES INC</StockNm>
        <EOYBookValueAmt>4243</EOYBookValueAmt>
        <EOYFMVAmt>4931</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP INC</StockNm>
        <EOYBookValueAmt>5557</EOYBookValueAmt>
        <EOYFMVAmt>3631</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>VERALTO CORPORATION</StockNm>
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        <EOYFMVAmt>1896</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>VISA INC</StockNm>
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        <EOYFMVAmt>10521</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>WILLIS TOWERS WATSON PUBLIC LT</StockNm>
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        <EOYFMVAmt>3615</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>WOLTERS KLUWER S/ADR</StockNm>
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        <EOYFMVAmt>2485</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>YUM BRANDS INC</StockNm>
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        <EOYFMVAmt>4690</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ZOETIS INC</StockNm>
        <EOYBookValueAmt>3019</EOYBookValueAmt>
        <EOYFMVAmt>2391</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
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        <LoanOriginalAmt>1000</LoanOriginalAmt>
        <BalanceDueAmt>0</BalanceDueAmt>
        <NoteDt>2024-12</NoteDt>
        <LoanMaturityDt>2025-01</LoanMaturityDt>
        <RepaymentTermsTxt>PRINCIPAL ON MATURITY</RepaymentTermsTxt>
        <InterestRt>0.</InterestRt>
        <SecurityProvidedBorrowerTxt>NONE</SecurityProvidedBorrowerTxt>
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        <LenderPersonNm>CINDA H JONES PRESDIRSECTREAS</LenderPersonNm>
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        <BalanceDueAmt>0</BalanceDueAmt>
        <NoteDt>2024-12</NoteDt>
        <LoanMaturityDt>2025-01</LoanMaturityDt>
        <RepaymentTermsTxt>PRINCIPAL ON MATURITY</RepaymentTermsTxt>
        <InterestRt>0.</InterestRt>
        <SecurityProvidedBorrowerTxt>NONE</SecurityProvidedBorrowerTxt>
        <LoanPurposeTxt>TO MAKE GRANTS ON BEHALF OF FOUNDATION</LoanPurposeTxt>
        <LenderConsiderationDesc>CASH - $1,000</LenderConsiderationDesc>
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        <LoanOriginalAmt>1000</LoanOriginalAmt>
        <BalanceDueAmt>0</BalanceDueAmt>
        <NoteDt>2024-12</NoteDt>
        <LoanMaturityDt>2025-02</LoanMaturityDt>
        <RepaymentTermsTxt>PRINCIPAL ON MATURITY</RepaymentTermsTxt>
        <InterestRt>0.</InterestRt>
        <SecurityProvidedBorrowerTxt>NONE</SecurityProvidedBorrowerTxt>
        <LoanPurposeTxt>TO MAKE GRANTS ON BEHALF OF FOUNDATION</LoanPurposeTxt>
        <LenderConsiderationDesc>CASH - $1,000</LenderConsiderationDesc>
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        <BalanceDueAmt>0</BalanceDueAmt>
        <NoteDt>2024-12</NoteDt>
        <LoanMaturityDt>2025-01</LoanMaturityDt>
        <RepaymentTermsTxt>PRINCIPAL ON MATURITY</RepaymentTermsTxt>
        <InterestRt>0.</InterestRt>
        <SecurityProvidedBorrowerTxt>NONE</SecurityProvidedBorrowerTxt>
        <LoanPurposeTxt>TO MAKE GRANTS ON BEHALF OF FOUNDATION</LoanPurposeTxt>
        <LenderConsiderationDesc>CASH - $10,000</LenderConsiderationDesc>
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      <OtherExpensesScheduleGrp>
        <Desc>State or Local Filing Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>25</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>25</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherProfessionalFeesSchedule documentId="OthProfFeesSch">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>Investment Management Services</CategoryTxt>
        <Amt>10413</Amt>
        <NetInvestmentIncomeAmt>10413</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>990-PF Excise Tax for 2024</CategoryTxt>
        <Amt>42</Amt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>Foreign Tax Paid</CategoryTxt>
        <Amt>33</Amt>
        <NetInvestmentIncomeAmt>33</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>