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        <ExplanationTxt>THE CONFLICT OF INTEREST POLICY WAS AMENDED AND RESTATED AS OF JANUARY 1, 2025 TO INCLUDE "ADVISORS" WITJHIN THE DEFINITION OF "INTERESTED PERSON" IN ARTICLE II.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART IX, LINE 11G</FormAndLineReferenceDesc>
        <ExplanationTxt>PARTICIPANT PAYMENTS: PROGRAM SERVICE EXPENSES 74,510. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 74,510. INDEPENDENT CONTRACTOR: PROGRAM SERVICE EXPENSES 1,075. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 1,075. FILING FEES: PROGRAM SERVICE EXPENSES 0. MANAGEMENT AND GENERAL EXPENSES 888. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 888.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>