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          <HowAcquiredCd>P</HowAcquiredCd>
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          <HowAcquiredCd>P</HowAcquiredCd>
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          <PropertyDesc>UBER TECHNOLOGIES INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
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          <GrossSalesPriceAmt>64656</GrossSalesPriceAmt>
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          <PropertyDesc>NASSAU CNTY NY BUILD AMER BONDS-SER</PropertyDesc>
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          <PropertyDesc>JPM MANAGED INCOME FD - USD - L FUND</PropertyDesc>
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          <PropertyDesc>SCHWAB U.S. TIPS ETF PIERCE FEENER &amp;</PropertyDesc>
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          <PropertyDesc>JPMORGAN BETABUILDERS CANADA</PropertyDesc>
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          <GrossSalesPriceAmt>1741</GrossSalesPriceAmt>
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          <PropertyDesc>AMAZON.COM INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
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          <GrossSalesPriceAmt>47700</GrossSalesPriceAmt>
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          <GrossSalesPriceAmt>45009</GrossSalesPriceAmt>
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          <PropertyDesc>COCA-COLA CO/THE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
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          <GrossSalesPriceAmt>47625</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>41349</CostOrOtherBasisAmt>
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          <GrossSalesPriceAmt>90133</GrossSalesPriceAmt>
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          <PropertyDesc>VISA INC-CLASS A SHARES</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-04-03</SoldDt>
          <GrossSalesPriceAmt>86989</GrossSalesPriceAmt>
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          <HowAcquiredCd>P</HowAcquiredCd>
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          <GrossSalesPriceAmt>9325</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9597</CostOrOtherBasisAmt>
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          <PropertyDesc>INVESCO QQQ TRUST SERIES 1</PropertyDesc>
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          <GrossSalesPriceAmt>106404</GrossSalesPriceAmt>
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          <PropertyDesc>SPDR EURO STOXX 50 ETF</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
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          <GrossSalesPriceAmt>13937</GrossSalesPriceAmt>
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          <GainOrLossAmt>-399</GainOrLossAmt>
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          <PropertyDesc>AMERICAN TOWER CORP</PropertyDesc>
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        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
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        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
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        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
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        <InfluenceElectionInd>false</InfluenceElectionInd>
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        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
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        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
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          <USAddress>
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          <PersonNm>WENDY S ATTERBURY</PersonNm>
          <USAddress>
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          <TitleTxt>SECY/TREAS/D</TitleTxt>
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          <PersonNm>EDWIN R BOYNTON</PersonNm>
          <USAddress>
            <AddressLine1Txt>30 VALLEY STREAM PARKWAY</AddressLine1Txt>
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            <StateAbbreviationCd>PA</StateAbbreviationCd>
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          <TitleTxt>DIRECTOR</TitleTxt>
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          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
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        <AverageMonthlyCashBalancesAmt>203039</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
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        <AdjustedTotalFMVOfUnusedAstAmt>6403254</AdjustedTotalFMVOfUnusedAstAmt>
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        <TaxBasedOnInvestmentIncomeAmt>14741</TaxBasedOnInvestmentIncomeAmt>
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        <DistributableBeforeDedAmt>300619</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>300619</DistributableAsAdjustedAmt>
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        <QualifyingDistributionsAmt>322250</QualifyingDistributionsAmt>
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        <UndistributedIncomePYAmt>41</UndistributedIncomePYAmt>
        <QualifyingDistributionsAmt>322250</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>41</AppliedToYear1Amt>
        <AppliedToCurrentYearAmt>300619</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>21590</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>21590</TotalCorpusAmt>
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        <ExcessDistriCyovToNextYrAmt>21590</ExcessDistriCyovToNextYrAmt>
        <ExcessFromCurrentYearAmt>21590</ExcessFromCurrentYearAmt>
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            <BusinessNameLine1Txt>LAGUNA BLANCA SCHOOL</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>4125 PALOMA DRIVE</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93110</ZIPCd>
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          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
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            <BusinessNameLine1Txt>LOBERTO THEATRE</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>33 E CANON PERDIDO ST</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93101</ZIPCd>
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          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>VNA HEALTH FOUNDATION</BusinessNameLine1Txt>
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            <AddressLine1Txt>500 E MONTECITO ST S-200</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93103</ZIPCd>
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          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SANTA BARBARA MARITIME MUSEUM</BusinessNameLine1Txt>
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            <AddressLine1Txt>113 HARBOR WAY STE 190</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93109</ZIPCd>
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          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SANTA BARBARA YOUTH SAILING FDN</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>130 HARBOR WAY</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93109</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>LAKE FOREST COLLEGE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>555 N SHERIDAN RD</AddressLine1Txt>
            <CityNm>LAKE FOREST</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60045</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORGANIZAT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>YMCA CHANNEL ISLANDS</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>1180 EUGENIA PLACE</AddressLine1Txt>
            <AddressLine2Txt>SUITE 104</AddressLine2Txt>
            <CityNm>CARPINTERIA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93013</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>111000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WOMEN'S FUND OF SANTA BARBARA</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>133 EAST DE LA GUERRA ST</AddressLine1Txt>
            <AddressLine2Txt>15</AddressLine2Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93101</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>2750</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SANTA BARBARA FOUNDATION</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>1111 CHAPALA ST</AddressLine1Txt>
            <AddressLine2Txt>200</AddressLine2Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93101</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ROGER WILLIAMS UNIVERSITY</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>1 OLD FERRY ROAD</AddressLine1Txt>
            <CityNm>BRISTOL</CityNm>
            <StateAbbreviationCd>RI</StateAbbreviationCd>
            <ZIPCd>02809</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TRANSPAC YACHT CLUB</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>134 CALLE DE LOS MOLINOS</AddressLine1Txt>
            <CityNm>SAN CLEMENTE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>92672</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>OLDFIELDS SCHOOL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1500 GLENCOE ROAD</AddressLine1Txt>
            <CityNm>SPARKS GLENCOE</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21152</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ISLAND ACADEMY</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>2870 TYNEWICK DRIVE</AddressLine1Txt>
            <CityNm>ROSWELL</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>30075</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>8500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>URBAN TREE FOUNDATION</BusinessNameLine1Txt>
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            <AddressLine1Txt>115 S DOLLNER STREET</AddressLine1Txt>
            <CityNm>VISALIA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93291</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WINDMARK FOUNDATION</BusinessNameLine1Txt>
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            <AddressLine1Txt>PO BOX 638</AddressLine1Txt>
            <CityNm>OYSTER BAY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11771</ZIPCd>
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          <RecipientFoundationStatusTxt>501(C)(3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GRANT TO ANOTHER 501(C)(3) ORG</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ELING'S PARK FOUNDATION</BusinessNameLine1Txt>
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            <AddressLine1Txt>1298 LAS POSITAS ROAD</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93105</ZIPCd>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>HEARTS THERAPEUTIC EQUESTRIAN CENTE</BusinessNameLine1Txt>
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            <AddressLine1Txt>4420 CALLE REAL</AddressLine1Txt>
            <CityNm>SANTA BARBARA</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>93110</ZIPCd>
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        <StockNm>ALCON INC</StockNm>
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        <StockNm>AMERICAN TOWER CORP</StockNm>
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        <StockNm>AMERIPRISE FINANCIAL INC</StockNm>
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        <EOYFMVAmt>51113</EOYFMVAmt>
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        <StockNm>AMGEN INC</StockNm>
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        <StockNm>ANALOG DEVICES INC</StockNm>
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        <StockNm>ANSYS INC</StockNm>
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        <StockNm>ATLASSIAN CORPORATION</StockNm>
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        <StockNm>ATMOS ENERGY CORP</StockNm>
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        <StockNm>AUTODESK INC</StockNm>
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        <StockNm>BIORAD LABORATORIES INC</StockNm>
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        <StockNm>BLACKSTONE INC</StockNm>
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        <StockNm>CADENCE DESIGN SYSTEMS INC</StockNm>
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        <StockNm>CAPITAL ONE FINANCIAL CORP</StockNm>
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        <EOYFMVAmt>75251</EOYFMVAmt>
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        <StockNm>CHIPOTLE MEXICAN GRILL INC</StockNm>
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        <StockNm>COCA COLA CO</StockNm>
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        <StockNm>COMMERCE BANCSHARES INC</StockNm>
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        <StockNm>CONSTELLATION BRANDS INC</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EDWARDS LIFE SCIENCES</StockNm>
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        <StockNm>EQUITY LIFESTYLE PROPERTIES INC</StockNm>
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        <StockNm>FORTIVE CORP</StockNm>
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        <StockNm>GENERAL DYNAMICS CORP</StockNm>
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        <StockNm>HONEYWELL INTL INC</StockNm>
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        <StockNm>INTUIT CORP</StockNm>
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        <StockNm>LENNAR CORP</StockNm>
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        <StockNm>MARTIN MARIETTA MATERIALS INC</StockNm>
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        <StockNm>MICROCHIP TECHNOLOGY INC</StockNm>
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        <StockNm>MITSUBISHI UFJ FINANCIAL GROUP INC</StockNm>
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        <StockNm>NOVO-NORDISK</StockNm>
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        <StockNm>NVIDIA CORP</StockNm>
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        <StockNm>OSHKOSH CORP</StockNm>
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        <StockNm>PARKER-HANNIFIN CORP</StockNm>
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        <StockNm>PNC FINANCIAL SERVICES GROUP</StockNm>
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        <StockNm>PROCTER &amp; GAMBLE CO</StockNm>
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        <StockNm>RPM INTERNATIONAL INC</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>SONY CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SYSCO CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>THERMO FISHER SCIENTIFIC INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP PLC</StockNm>
        <EOYBookValueAmt>25192</EOYBookValueAmt>
        <EOYFMVAmt>39457</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VERISK ANALYTICS INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VISA INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WEST PHARMACEUTICALS SERVICES INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>XCEL ENERGY INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>XYLEM INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AGILENT TECHNOLOGIES INC COM</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ARTHUR J. GALLAGHER &amp; CO</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>GARTNER INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UBER TECHNOLOGIES INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>US BANCORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VERALTO CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>LOWES COMPANIES</StockNm>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="RetDoc3">
      <StateLocalSecBookVlEOYAmt>15054</StateLocalSecBookVlEOYAmt>
      <StateLocalSecEOYFMVAmt>14914</StateLocalSecEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <InvestmentsOtherSchedule2 documentId="RetDoc4">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI EAFE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>IBORROW FINANCE LOAN FUND I LP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>139857</BookValueAmt>
        <EOYFMVAmt>263608</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR EMERGING MARKETS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD SMALL CAP VALUE FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BAYONNE NJ TAXABLE GEN IMP 5%</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BENSALEM TWP PA SCH DIST TXBLE GO BD</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>GLENDALE CA CMNTY COLLEGE 1.963%</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES TRUST RUSSELL 2500 USD ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CONSUMER DISCRETIONARY SELT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>15051</BookValueAmt>
        <EOYFMVAmt>15705</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FIDELITY 500 INDEX FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>1795115</BookValueAmt>
        <EOYFMVAmt>1997946</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FINANCIAL SELECT SECTOR SPDR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>79537</BookValueAmt>
        <EOYFMVAmt>86752</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>HEALTH CARE SELECT SECTOR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>45157</BookValueAmt>
        <EOYFMVAmt>43059</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>INDUSTRIAL SELECT SECT SPDR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>15335</BookValueAmt>
        <EOYFMVAmt>14362</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>INVESCO QQQ TRUST SERIES 1</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>277681</BookValueAmt>
        <EOYFMVAmt>316963</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>INVESCO S&amp;P 500 EQUAL WEIGHT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>82889</BookValueAmt>
        <EOYFMVAmt>86914</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANECK SEMICONDUCTOR ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>56025</BookValueAmt>
        <EOYFMVAmt>57879</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANECK OIL SERVICES ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>58246</BookValueAmt>
        <EOYFMVAmt>45295</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE S&amp;P MIDCAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>118069</BookValueAmt>
        <EOYFMVAmt>122938</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ARTISAN INTL VAL-INST</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>111976</BookValueAmt>
        <EOYFMVAmt>109158</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FIDELITY INTL INDX-INST PRM</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>240873</BookValueAmt>
        <EOYFMVAmt>229573</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>JPMORGAN BETABUILDERS CANADA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>56048</BookValueAmt>
        <EOYFMVAmt>59437</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES MSCI EUROPE FINANCIAL</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>43456</BookValueAmt>
        <EOYFMVAmt>46134</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES MSCI UNITED KINGDOM</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>42617</BookValueAmt>
        <EOYFMVAmt>42273</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR EURO STOXX 50 ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>130761</BookValueAmt>
        <EOYFMVAmt>119893</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD FTSE EUROPE ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>130672</BookValueAmt>
        <EOYFMVAmt>123576</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES MSCI JAPAN ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>170897</BookValueAmt>
        <EOYFMVAmt>162852</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>WISDOMTREE JAPAN HEDGED EQ</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>88870</BookValueAmt>
        <EOYFMVAmt>89776</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI EMERGING</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>368443</BookValueAmt>
        <EOYFMVAmt>369404</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANECK GOLD MINERS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>48591</BookValueAmt>
        <EOYFMVAmt>49712</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BLACKROCK HIGH YIELD-K</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>93733</BookValueAmt>
        <EOYFMVAmt>92048</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>DODGE &amp; COX INCOME-I</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>189940</BookValueAmt>
        <EOYFMVAmt>189634</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES 7-10 YEAR TREASURY B</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>187050</BookValueAmt>
        <EOYFMVAmt>179815</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>PIMCO TOTAL RETURN FUND-INST</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>124646</BookValueAmt>
        <EOYFMVAmt>124580</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD TTL BD MKT IDX-ADM</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>322126</BookValueAmt>
        <EOYFMVAmt>322492</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <LegalFeesSchedule documentId="RetDoc5">
      <LegalFeesGrp>
        <CategoryTxt>STRADLEY, RONON, STEVENS &amp; YOUNG</CategoryTxt>
        <LegalFeesAmt>21081</LegalFeesAmt>
        <NetInvestmentIncomeAmt>21081</NetInvestmentIncomeAmt>
      </LegalFeesGrp>
    </LegalFeesSchedule>
    <OtherExpensesSchedule documentId="RetDoc6">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OFFICE EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>8592</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>ACCOUNT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>-549</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>IBORROW FINANCE PORTFOLIO DED</Desc>
        <RevenueAndExpensesPerBooksAmt>3464</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>3464</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>KIMPACT EVERGREEN REAL ESTATE</Desc>
        <RevenueAndExpensesPerBooksAmt>525</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>525</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
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      <OtherIncomeDetail>
        <Desc>NET RENTAL INCOME(LOSS)</Desc>
        <RevenueAndExpensesPerBooksAmt>-7912</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>-7912</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>OTHER NET RENTAL INCOME(LOSS)</Desc>
        <RevenueAndExpensesPerBooksAmt>-42</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>-42</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>INTEREST</Desc>
        <RevenueAndExpensesPerBooksAmt>295</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>295</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>LP-ORDINARY BUSINESS LOSS</Desc>
        <RevenueAndExpensesPerBooksAmt>-1138</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>-1138</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>LP-NET RENTAL REAL ESTATE LOS</Desc>
        <RevenueAndExpensesPerBooksAmt>-1793</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>-1793</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>LP- INTEREST</Desc>
        <RevenueAndExpensesPerBooksAmt>1104</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1104</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>LP-DIVIDENDS</Desc>
        <RevenueAndExpensesPerBooksAmt>17781</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>17781</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
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      <OtherProfessionalFeesDetail>
        <CategoryTxt>BEACON POINTE-INVESTMENT ADVISOR</CategoryTxt>
        <Amt>16705</Amt>
        <NetInvestmentIncomeAmt>16705</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>RRC ACCOUNTING SERVICES</CategoryTxt>
        <Amt>4350</Amt>
      </OtherProfessionalFeesDetail>
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      <TaxesDetail>
        <CategoryTxt>PAYROLL TAXES</CategoryTxt>
        <Amt>9815</Amt>
        <NetInvestmentIncomeAmt>4907</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>