The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC Com 00287Y109   3,070,111 19,811 SH   SOLE 0 19,811 0 0
ABBVIE INC Com 00287Y109   1,115,474 7,198 SH   DFND 0 7,198 0 0
ADOBE SYSTEMS INC Com 00724F101   1,160,387 1,945 SH   SOLE 0 1,945 0 0
ADOBE SYSTEMS INC Com 00724F101   193,895 325 SH   DFND 0 325 0 0
ALPHABET INC-CL C Com 02079K107   1,205,656 8,555 SH   SOLE 0 8,555 0 0
ALPHABET INC-CL C Com 02079K107   1,155,626 8,200 SH   DFND 0 8,200 0 0
ALPHABET INC-CL A Com 02079K305   4,561,437 32,654 SH   SOLE 0 32,654 0 0
ALPHABET INC-CL A Com 02079K305   1,431,823 10,250 SH   DFND 0 10,250 0 0
ALTRIA GROUP INC Com 02209S103   189,598 4,700 SH   SOLE 0 4,700 0 0
ALTRIA GROUP INC Com 02209S103   206,985 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   1,336,622 3,519 SH   SOLE 0 3,519 0 0
ANALOG DEVICES INC Com 032654105   132,241 666 SH   SOLE 0 666 0 0
ANALOG DEVICES INC Com 032654105   237,478 1,196 SH   DFND 0 1,196 0 0
ARISTA NETWORKS INC COM Com 040413106   420,385 1,785 SH   SOLE 0 1,785 0 0
ASTRAZENECA PLC ADR Com 046353108   291,491 4,328 SH   SOLE 0 4,328 0 0
Bank of America Pfd Stk 060505EH3   247,961 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4   100,296 100,000 SH   SOLE 0 100,000 0 0
BLACKROCK INC Com 09247X101   1,367,883 1,685 SH   SOLE 0 1,685 0 0
BLACKROCK INC Com 09247X101   160,736 198 SH   DFND 0 198 0 0
BLACKSTONE INC Com 09260D107   712,074 5,439 SH   SOLE 0 5,439 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   186,563 3,636 SH   SOLE 0 3,636 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   476,567 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101   1,087,228 974 SH   SOLE 0 974 0 0
BROADCOM INC Com 11135F101   463,244 415 SH   DFND 0 415 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100   684,336 8,608 SH   SOLE 0 8,608 0 0
CVS HEALTH CORP Com 126650100   1,190,875 15,082 SH   SOLE 0 15,082 0 0
CVS HEALTH CORP Com 126650100   102,648 1,300 SH   DFND 0 1,300 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   448,562 3,421 SH   SOLE 0 3,421 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   13,112 100 SH   DFND 0 100 0 0
CARLISLE COS INC Com 142339100   1,739,298 5,567 SH   SOLE 0 0 0 5,567
CARRIER GLOBAL CORPORATION Com 14448C104   404,908 7,048 SH   SOLE 0 5,376 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104   49,982 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101   798,900 2,702 SH   SOLE 0 2,702 0 0
CATERPILLAR INC Com 149123101   133,052 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100   3,381,905 22,673 SH   SOLE 0 20,930 0 1,743
CHEVRON CORP Com 166764100   257,003 1,723 SH   DFND 0 1,723 0 0
CHIPOTLE MEXICAN GRILL INC COM Com 169656105   365,914 160 SH   SOLE 0 160 0 0
CISCO SYSTEMS INC Com 17275R102   1,270,730 25,153 SH   SOLE 0 25,153 0 0
CISCO SYSTEMS INC Com 17275R102   437,402 8,658 SH   DFND 0 8,658 0 0
CITIGROUP INC Com 172967424   437,034 8,496 SH   SOLE 0 8,496 0 0
COCA-COLA CO/THE Com 191216100   6,607,291 112,121 SH   SOLE 0 112,121 0 0
COCA-COLA CO/THE Com 191216100   155,929 2,646 SH   DFND 0 2,646 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   35,499 470 SH   SOLE 0 470 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   277,950 3,680 SH   DFND 0 3,680 0 0
COMCAST CORP-CLASS A Com 20030N101   276,123 6,297 SH   SOLE 0 6,297 0 0
COMCAST CORP-CLASS A Com 20030N101   29,643 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104   1,301,609 11,214 SH   SOLE 0 11,214 0 0
COSTCO WHOLESALE CORP Com 22160K105   5,780,321 8,757 SH   SOLE 0 8,757 0 0
COSTCO WHOLESALE CORP Com 22160K105   487,139 738 SH   DFND 0 738 0 0
CUMMINS INC Com 231021106   860,056 3,590 SH   SOLE 0 3,590 0 0
DTE ENERGY COMPANY Com 233331107   467,613 4,241 SH   SOLE 0 4,241 0 0
DANAHER CORP Com 235851102   835,831 3,613 SH   SOLE 0 3,613 0 0
DANAHER CORP Com 235851102   5,089 22 SH   DFND 0 22 0 0
DARDEN RESTAURANTS INC Com 237194105   267,645 1,629 SH   SOLE 0 1,629 0 0
DEERE & CO Com 244199105   860,920 2,153 SH   SOLE 0 2,153 0 0
DEERE & CO Com 244199105   259,916 650 SH   DFND 0 650 0 0
DIGITAL RLTY TR INC COM Com 253868103   622,029 4,622 SH   SOLE 0 4,622 0 0
DIGITAL RLTY TR INC COM Com 253868103   24,224 180 SH   DFND 0 180 0 0
WALT DISNEY CO/THE Com 254687106   1,429,200 15,829 SH   SOLE 0 15,829 0 0
WALT DISNEY CO/THE Com 254687106   21,218 235 SH   DFND 0 235 0 0
DUKE ENERGY CORP Com 26441C204   282,775 2,914 SH   SOLE 0 2,914 0 0
DUKE ENERGY CORP Com 26441C204   17,467 180 SH   DFND 0 180 0 0
DUPONT DE NEMOURS INC COM Com 26614N102   300,489 3,906 SH   SOLE 0 3,778 0 128
EOG RESOURCES INC Com 26875P101   221,339 1,830 SH   SOLE 0 1,830 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   459,720 7,610 SH   SOLE 0 7,610 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   86,386 1,430 SH   DFND 0 1,430 0 0
ECOLAB INC Com 278865100   1,341,838 6,765 SH   SOLE 0 6,765 0 0
ELECTRONIC ARTS INC Com 285512109   339,426 2,481 SH   SOLE 0 2,481 0 0
EMERSON ELECTRIC CO Com 291011104   749,538 7,701 SH   SOLE 0 7,701 0 0
EMERSON ELECTRIC CO Com 291011104   343,575 3,530 SH   DFND 0 3,530 0 0
ENBRIDGE INC Com 29250N105   837,069 23,239 SH   SOLE 0 23,239 0 0
ENBRIDGE INC Com 29250N105   253,653 7,042 SH   DFND 0 7,042 0 0
EXXON MOBIL CORP Com 30231G102   1,667,266 16,676 SH   SOLE 0 14,889 0 1,787
EXXON MOBIL CORP Com 30231G102   1,406,819 14,071 SH   DFND 0 14,071 0 0
META PLATFORMS INC Com 30303M102   1,286,291 3,634 SH   SOLE 0 3,634 0 0
FEDEX CORP Com 31428X106   610,670 2,414 SH   SOLE 0 2,414 0 0
FEDEX CORP Com 31428X106   583,096 2,305 SH   DFND 0 2,305 0 0
FIDELITY NATL INFORMATION SVCS COM Com 31620M106   214,750 3,575 SH   SOLE 0 3,575 0 0
FIDELITY NATL INFORMATION SVCS COM Com 31620M106   9,611 160 SH   DFND 0 160 0 0
FISERV INC Com 337738108   1,380,340 10,391 SH   SOLE 0 10,391 0 0
FORD MOTOR CO Com 345370860   312,064 25,600 SH   DFND 0 25,600 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104   198,349 28,663 SH   SOLE 0 28,663 0 0
GENERAL DYNAMICS CORP Com 369550108   382,234 1,472 SH   SOLE 0 1,472 0 0
GENERAL MILLS INC Com 370334104   433,246 6,651 SH   SOLE 0 6,651 0 0
GENERAL MILLS INC Com 370334104   72,957 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103   500,156 6,174 SH   SOLE 0 6,174 0 0
GILEAD SCIENCES INC Com 375558103   33,619 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889   358,958 6,190 SH   SOLE 0 6,190 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   888,428 2,303 SH   SOLE 0 2,303 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503   783,314 8,350 SH   SOLE 0 8,350 0 0
WW GRAINGER INC Com 384802104   23,203 28 SH   SOLE 0 28 0 0
WW GRAINGER INC Com 384802104   1,457,666 1,759 SH   DFND 0 1,759 0 0
HP INC Com 40434L105   242,706 8,066 SH   SOLE 0 8,066 0 0
HOME DEPOT INC Com 437076102   1,155,398 3,334 SH   SOLE 0 3,334 0 0
HOME DEPOT INC Com 437076102   771,420 2,226 SH   DFND 0 2,226 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,253,646 5,978 SH   SOLE 0 5,978 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   194,821 929 SH   DFND 0 929 0 0
ILLINOIS TOOL WORKS Com 452308109   996,682 3,805 SH   SOLE 0 3,805 0 0
ILLINOIS TOOL WORKS Com 452308109   18,336 70 SH   DFND 0 70 0 0
INTEL CORP Com 458140100   357,177 7,108 SH   SOLE 0 7,108 0 0
INTEL CORP Com 458140100   292,706 5,825 SH   DFND 0 5,825 0 0
INTL BUSINESS MACHINES CORP Com 459200101   1,051,136 6,427 SH   SOLE 0 6,027 0 400
INTL BUSINESS MACHINES CORP Com 459200101   408,875 2,500 SH   DFND 0 2,500 0 0
INVESCO QQQ TRUST Com 46090E103   4,123,047 10,068 SH   SOLE 0 10,068 0 0
INVESCO QQQ TRUST Com 46090E103   117,532 287 SH   DFND 0 287 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   983,672 22,983 SH   SOLE 0 22,983 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   87,826 2,052 SH   DFND 0 2,052 0 0
INVITATION HOMES INC Com 46187W107   255,961 7,504 SH   SOLE 0 7,504 0 0
INVITATION HOMES INC Com 46187W107   88,686 2,600 SH   DFND 0 2,600 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   2,424,499 23,040 SH   SOLE 0 23,040 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   668,631 6,354 SH   DFND 0 6,354 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   1,037,514 8,851 SH   SOLE 0 8,851 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   49,232 420 SH   DFND 0 420 0 0
ISHARES CORE S&P 500 ETF Com 464287200   11,157,914 23,361 SH   SOLE 0 23,361 0 0
ISHARES CORE S&P 500 ETF Com 464287200   593,216 1,242 SH   DFND 0 1,242 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291   1,313,488 19,265 SH   SOLE 0 19,265 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309   1,974,304 26,289 SH   SOLE 0 26,289 0 0
ISHARES S&P 500 VALUE ETF Com 464287408   1,282,787 7,377 SH   SOLE 0 7,377 0 0
ISHARES MSCI EAFE ETF Com 464287465   2,226,894 29,554 SH   SOLE 0 29,554 0 0
ISHARES MSCI EAFE ETF Com 464287465   3,165 42 SH   DFND 0 42 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   161,759 1,391 SH   SOLE 0 1,391 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   90,241 776 SH   DFND 0 776 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   1,387,247 17,847 SH   SOLE 0 17,847 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   218,732 2,814 SH   DFND 0 2,814 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   10,636,740 38,379 SH   SOLE 0 38,379 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   475,035 1,714 SH   DFND 0 1,714 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   10,150,316 61,424 SH   SOLE 0 61,424 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   287,370 1,739 SH   DFND 0 1,739 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   466,923 5,894 SH   SOLE 0 5,894 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   241,779 3,052 SH   DFND 0 3,052 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   25,438,085 83,907 SH   SOLE 0 83,907 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   1,655,611 5,461 SH   DFND 0 5,461 0 0
ISHARES RUSSELL 1000 ETF Com 464287622   2,715,178 10,353 SH   SOLE 0 10,353 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   192,609 1,240 SH   SOLE 0 1,240 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   41,162 265 SH   DFND 0 265 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   3,920,255 15,543 SH   SOLE 0 15,543 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   75,666 300 SH   DFND 0 300 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   1,501,913 7,483 SH   SOLE 0 7,483 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   274,371 1,367 SH   DFND 0 1,367 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   350,103 3,070 SH   SOLE 0 3,070 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   218,957 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   3,956,601 32,233 SH   SOLE 0 32,233 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   190,876 1,555 SH   DFND 0 1,555 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796   538,352 12,202 SH   SOLE 0 12,202 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   6,172,523 57,021 SH   SOLE 0 57,021 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   243,021 2,245 SH   DFND 0 2,245 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   164,912 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   206,140 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   444,122 3,549 SH   SOLE 0 3,549 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   265,797 2,124 SH   DFND 0 2,124 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   251,238 2,317 SH   SOLE 0 2,317 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   6,614 61 SH   DFND 0 61 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224   393,469 25,271 SH   SOLE 0 25,271 0 0
ISHARES MSCI ACWI ETF Com 464288257   1,116,213 10,968 SH   SOLE 0 10,968 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   348,759 3,916 SH   SOLE 0 3,916 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   14,695 165 SH   DFND 0 165 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   410,652 8,728 SH   SOLE 0 8,728 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   91,700 1,949 SH   DFND 0 1,949 0 0
ISHARES TR MBS ETF Com 464288588   1,749,229 18,593 SH   SOLE 0 18,488 0 105
ISHARES TR MBS ETF Com 464288588   123,339 1,311 SH   DFND 0 1,311 0 0
ISHARES BROAD USD INVT GRADE CORP BD ETF Com 464288620   605,637 11,815 SH   SOLE 0 11,815 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Com 464288653   114,539 1,058 SH   SOLE 0 1,058 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Com 464288653   85,525 790 SH   DFND 0 790 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   4,688,234 42,570 SH   SOLE 0 42,570 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   44,052 400 SH   DFND 0 400 0 0
ISHARES S&P PREF STK ETF Com 464288687   1,024,217 32,838 SH   SOLE 0 32,838 0 0
ISHARES S&P PREF STK ETF Com 464288687   379,832 12,178 SH   DFND 0 12,178 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   1,576,086 29,203 SH   SOLE 0 29,203 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   80,955 1,500 SH   DFND 0 1,500 0 0
ISHARES TR MSCI EAFE VALUE ETF Com 464288877   4,192,331 80,467 SH   SOLE 0 80,467 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   233,021 2,406 SH   SOLE 0 2,406 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   145,275 1,500 SH   DFND 0 1,500 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   9,698,757 420,953 SH   SOLE 0 420,953 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   712,005 30,903 SH   DFND 0 30,903 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   188,580 1,849 SH   SOLE 0 1,849 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   96,891 950 SH   DFND 0 950 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   4,593,626 58,870 SH   SOLE 0 58,870 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   722,558 9,260 SH   DFND 0 9,260 0 0
ISHARES US ETF TR BLACKROCK SHORT DURATION Com 46431W507   5,731,848 113,457 SH   SOLE 0 113,457 0 0
ISHARES US ETF TR BLACKROCK SHORT DURATION Com 46431W507   905,066 17,915 SH   DFND 0 17,915 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   7,179,696 48,795 SH   SOLE 0 48,795 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   184,661 1,255 SH   DFND 0 1,255 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   1,355,746 13,402 SH   SOLE 0 13,402 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   6,741,078 95,822 SH   SOLE 0 95,822 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   1,303,374 18,527 SH   DFND 0 18,527 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   590,522 11,675 SH   SOLE 0 11,675 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   212,436 4,200 SH   DFND 0 4,200 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   4,048,809 73,070 SH   SOLE 0 73,070 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   319,771 5,771 SH   DFND 0 5,771 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863   697,690 21,762 SH   SOLE 0 21,762 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   752,149 17,815 SH   SOLE 0 17,815 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   329,316 7,800 SH   DFND 0 7,800 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613   2,008,606 43,599 SH   SOLE 0 43,599 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613   417,855 9,070 SH   DFND 0 9,070 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   4,640,616 91,948 SH   SOLE 0 91,948 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   235,443 4,665 SH   DFND 0 4,665 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   5,244,111 49,982 SH   SOLE 0 49,982 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   73,444 700 SH   DFND 0 700 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516   2,148,207 28,438 SH   SOLE 0 28,438 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663   616,370 16,216 SH   SOLE 0 16,216 0 0
ISHARES ESG SCREENED S&P 500 ETF Com 46436E569   310,953 8,546 SH   SOLE 0 8,546 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF Com 46436E841   1,130,993 50,514 SH   SOLE 0 50,514 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF Com 46436E858   1,120,604 49,031 SH   SOLE 0 49,031 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF Com 46436E866   1,110,852 47,717 SH   SOLE 0 47,717 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF Com 46436E874   1,102,070 46,189 SH   SOLE 0 46,189 0 0
JPMORGAN CHASE & CO Com 46625H100   3,496,576 20,556 SH   SOLE 0 20,556 0 0
JPMORGAN CHASE & CO Com 46625H100   940,823 5,531 SH   DFND 0 5,531 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4   349,303 350,000 SH   SOLE 0 350,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   2,055,813 40,928 SH   SOLE 0 40,928 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   20,092 400 SH   DFND 0 400 0 0
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF Com 46654Q203   439,883 8,810 SH   SOLE 0 8,810 0 0
JACOBS SOLUTIONS INC Com 46982L108   254,408 1,960 SH   SOLE 0 1,960 0 0
JOHNSON & JOHNSON Com 478160104   1,973,200 12,589 SH   SOLE 0 12,589 0 0
JOHNSON & JOHNSON Com 478160104   1,410,973 9,002 SH   DFND 0 9,002 0 0
KLA CORPORATION Com 482480100   359,825 619 SH   SOLE 0 619 0 0
KIMBERLY-CLARK CORP Com 494368103   542,421 4,464 SH   SOLE 0 4,464 0 0
KIMBERLY-CLARK CORP Com 494368103   24,788 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208   496,347 10,386 SH   SOLE 0 10,386 0 0
ELI LILLY & CO Com 532457108   5,387,930 9,243 SH   SOLE 0 9,243 0 0
ELI LILLY & CO Com 532457108   673,856 1,156 SH   DFND 0 1,156 0 0
LOCKHEED MARTIN CORP Com 539830109   222,088 490 SH   SOLE 0 490 0 0
LOCKHEED MARTIN CORP Com 539830109   41,698 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107   1,035,970 4,655 SH   SOLE 0 4,655 0 0
LOWE'S COS INC Com 548661107   35,608 160 SH   DFND 0 160 0 0
LULULEMON ATHLETICA INC Com 550021109   247,976 485 SH   SOLE 0 485 0 0
MARRIOTT INTERNATIONAL -CL A Com 571903202   347,736 1,542 SH   SOLE 0 1,542 0 0
MARRIOTT INTERNATIONAL -CL A Com 571903202   8,795 39 SH   DFND 0 39 0 0
MASTERCARD INC-CLASS A Com 57636Q104   1,428,809 3,350 SH   SOLE 0 3,350 0 0
MCDONALD'S CORP Com 580135101   1,783,211 6,014 SH   SOLE 0 6,014 0 0
MCDONALD'S CORP Com 580135101   231,871 782 SH   DFND 0 782 0 0
MCKESSON CORP Com 58155Q103   1,460,702 3,155 SH   SOLE 0 3,155 0 0
MERCK & CO. INC. Com 58933Y105   1,074,283 9,854 SH   SOLE 0 9,854 0 0
MERCK & CO. INC. Com 58933Y105   1,073,738 9,849 SH   DFND 0 9,849 0 0
MICROSOFT CORP Com 594918104   11,663,633 31,017 SH   SOLE 0 31,017 0 0
MICROSOFT CORP Com 594918104   5,798,537 15,420 SH   DFND 0 15,420 0 0
MICRON TECHNOLOGY INC Com 595112103   522,025 6,117 SH   SOLE 0 6,117 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   310,218 4,283 SH   SOLE 0 4,283 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   317,678 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307   314,342 1,004 SH   SOLE 0 1,004 0 0
MOTOROLA SOLUTIONS INC Com 620076307   50,721 162 SH   DFND 0 162 0 0
NETFLIX INC Com 64110L106   464,970 955 SH   SOLE 0 955 0 0
NETFLIX INC Com 64110L106   9,738 20 SH   DFND 0 20 0 0
NEXTERA ENERGY INC Com 65339F101   711,691 11,717 SH   SOLE 0 11,717 0 0
NEXTERA ENERGY INC Com 65339F101   331,640 5,460 SH   DFND 0 5,460 0 0
NIKE INC -CL B Com 654106103   1,386,113 12,767 SH   SOLE 0 12,767 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109   316,642 3,136 SH   SOLE 0 3,136 0 0
NVIDIA CORP Com 67066G104   11,553,978 23,331 SH   SOLE 0 23,331 0 0
NVIDIA CORP Com 67066G104   1,059,276 2,139 SH   DFND 0 2,139 0 0
ORACLE CORP Com 68389X105   674,963 6,402 SH   SOLE 0 6,402 0 0
ORACLE CORP Com 68389X105   222,984 2,115 SH   DFND 0 2,115 0 0
PALO ALTO NETWORKS INC Com 697435105   1,329,319 4,508 SH   SOLE 0 4,508 0 0
PEPSICO INC Com 713448108   952,293 5,607 SH   SOLE 0 5,607 0 0
PEPSICO INC Com 713448108   1,199,580 7,063 SH   DFND 0 7,063 0 0
PFIZER INC Com 717081103   977,277 33,945 SH   SOLE 0 33,945 0 0
PFIZER INC Com 717081103   223,842 7,775 SH   DFND 0 7,775 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   291,836 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   433,991 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104   606,053 4,552 SH   SOLE 0 4,552 0 0
PHILLIPS 66 Com 718546104   19,705 148 SH   DFND 0 148 0 0
PIONEER NATURAL RESOURCES Com 723787107   564,224 2,509 SH   SOLE 0 2,509 0 0
PIONEER NATURAL RESOURCES Com 723787107   14,842 66 SH   DFND 0 66 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,843,034 12,577 SH   SOLE 0 12,577 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,202,507 8,206 SH   DFND 0 8,206 0 0
PROLOGIS INC Com 74340W103   706,090 5,297 SH   SOLE 0 5,297 0 0
PROLOGIS INC Com 74340W103   121,303 910 SH   DFND 0 910 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   583,860 9,548 SH   SOLE 0 9,548 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   37,668 616 SH   DFND 0 616 0 0
PUBLIC STORAGE Com 74460D109   455,060 1,492 SH   SOLE 0 1,492 0 0
PUBLIC STORAGE Com 74460D109   378,200 1,240 SH   DFND 0 1,240 0 0
QUALCOMM INC Com 747525103   743,109 5,138 SH   SOLE 0 5,138 0 0
QUALCOMM INC Com 747525103   76,365 528 SH   DFND 0 528 0 0
QUEST DIAGNOSTICS INC Com 74834L100   263,213 1,909 SH   SOLE 0 1,909 0 0
ROPER TECHNOLOGIES INC Com 776696106   580,606 1,065 SH   SOLE 0 1,065 0 0
SHELL PLC SPONSORED ADR Com 780259305   222,075 3,375 SH   SOLE 0 3,375 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840   139,147 15,158 SH   SOLE 0 15,158 0 0
S&P GLOBAL INC Com 78409V104   219,379 498 SH   SOLE 0 498 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   9,548,503 20,089 SH   SOLE 0 20,089 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   596,989 1,256 SH   DFND 0 1,256 0 0
SPDR GOLD TRUST Com 78463V107   1,056,023 5,524 SH   SOLE 0 5,524 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   291,810 5,722 SH   SOLE 0 5,722 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   23,102 453 SH   DFND 0 453 0 0
SPDR MSCI ACWI EX-US Com 78463X848   3,774,027 139,572 SH   SOLE 0 139,572 0 0
SPDR MSCI ACWI EX-US Com 78463X848   113,189 4,186 SH   DFND 0 4,186 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   1,608,224 22,290 SH   SOLE 0 22,290 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   27,922 387 SH   DFND 0 387 0 0
KBW BANK ETF Com 78464A797   365,859 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797   24,851 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870   348,231 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107   1,218,727 2,402 SH   SOLE 0 2,402 0 0
SALESFORCE.COM INC Com 79466L302   334,714 1,272 SH   SOLE 0 1,272 0 0
SCHLUMBERGER LTD Com 806857108   197,700 3,799 SH   SOLE 0 3,799 0 0
SCHLUMBERGER LTD Com 806857108   52,040 1,000 SH   DFND 0 1,000 0 0
SCHWAB (CHARLES) CORP Com 808513105   1,221,338 17,752 SH   SOLE 0 17,752 0 0
CHARLES SCHWAB CORP Pfd Stk 808513BD6   98,656 100,000 SH   SOLE 0 100,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   579,876 6,779 SH   SOLE 0 6,779 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   111,202 1,300 SH   DFND 0 1,300 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   2,663,501 19,530 SH   SOLE 0 19,530 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   88,647 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308   520,993 7,233 SH   SOLE 0 7,233 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407   1,600,528 8,951 SH   SOLE 0 8,951 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   304,758 3,635 SH   SOLE 0 3,635 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   176,986 2,111 SH   DFND 0 2,111 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605   768,356 20,435 SH   SOLE 0 20,435 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704   318,602 2,795 SH   SOLE 0 2,795 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803   296,227 1,539 SH   SOLE 0 1,539 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR ETF Com 81369Y852   175,111 2,410 SH   SOLE 0 2,410 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR ETF Com 81369Y852   42,724 588 SH   DFND 0 588 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   1,014,167 16,014 SH   SOLE 0 16,014 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   312,597 4,936 SH   DFND 0 4,936 0 0
SOUTHERN CO/THE Com 842587107   285,529 4,072 SH   SOLE 0 4,072 0 0
SOUTHERN CO/THE Com 842587107   120,256 1,715 SH   DFND 0 1,715 0 0
STARBUCKS CORP Com 855244109   640,099 6,667 SH   SOLE 0 6,667 0 0
Alta Properties, Inc. Com 863012544   181,626 24,544 SH   DFND 0 24,544 0 0
STRYKER CORP Com 863667101   839,985 2,805 SH   SOLE 0 2,805 0 0
TJX COMPANIES INC Com 872540109   558,920 5,958 SH   SOLE 0 5,958 0 0
T-MOBILE US INC Com 872590104   549,772 3,429 SH   SOLE 0 3,429 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   1,199,224 11,531 SH   SOLE 0 11,531 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   35,984 346 SH   DFND 0 346 0 0
TEXAS INSTRUMENTS INC Com 882508104   244,269 1,433 SH   SOLE 0 1,433 0 0
TEXAS INSTRUMENTS INC Com 882508104   124,777 732 SH   DFND 0 732 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102   2,025,495 3,816 SH   SOLE 0 3,816 0 0
3M CO Com 88579Y101   227,714 2,083 SH   SOLE 0 2,083 0 0
3M CO Com 88579Y101   346,544 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   710,598 3,875 SH   SOLE 0 3,875 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   20,172 110 SH   DFND 0 110 0 0
UNION PACIFIC CORP Com 907818108   1,789,587 7,286 SH   SOLE 0 7,286 0 0
UNION PACIFIC CORP Com 907818108   677,911 2,760 SH   DFND 0 2,760 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   501,878 3,192 SH   SOLE 0 3,192 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   23,270 148 SH   DFND 0 148 0 0
UNITEDHEALTH GROUP INC Com 91324P102   1,001,346 1,902 SH   SOLE 0 1,902 0 0
UNITEDHEALTH GROUP INC Com 91324P102   88,973 169 SH   DFND 0 169 0 0
VALERO ENERGY CORP Com 91913Y100   505,180 3,886 SH   SOLE 0 3,886 0 0
VALERO ENERGY CORP Com 91913Y100   42,900 330 SH   DFND 0 330 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676   377,719 2,160 SH   SOLE 0 2,160 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   5,702,947 33,468 SH   SOLE 0 33,468 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   54,528 320 SH   DFND 0 320 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   1,890,900 39,476 SH   SOLE 0 39,476 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   47,900 1,000 SH   DFND 0 1,000 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   3,950,139 35,386 SH   SOLE 0 35,386 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   357,997 3,207 SH   DFND 0 3,207 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   2,704,946 40,682 SH   SOLE 0 40,682 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   26,596 400 SH   DFND 0 400 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   9,368,467 118,080 SH   SOLE 0 118,080 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   185,497 2,338 SH   DFND 0 2,338 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   424,196 9,960 SH   SOLE 0 9,960 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   2,555 60 SH   DFND 0 60 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775   1,424,047 25,366 SH   SOLE 0 25,366 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   594,758 14,471 SH   SOLE 0 14,471 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   47,265 1,150 SH   DFND 0 1,150 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866   1,019,297 14,151 SH   SOLE 0 14,151 0 0
VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF Com 922042874   1,234,921 19,152 SH   SOLE 0 19,152 0 0
VANGUARD HEALTH CARE ETF Com 92204A504   259,224 1,034 SH   SOLE 0 1,034 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   12,933,569 221,731 SH   SOLE 0 221,731 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   1,018,733 17,465 SH   DFND 0 17,465 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409   10,000,924 129,261 SH   SOLE 0 129,221 0 40
VANGUARD SHORT-TERM CORP BO Com 92206C409   1,119,002 14,463 SH   DFND 0 14,463 0 0
VANGUARD INTERMEDIATE TERM GOVERNMENT BOND ET Com 92206C706   266,050 4,485 SH   SOLE 0 4,485 0 0
VANGUARD S&P 500 ETF Com 922908363   1,818,835 4,164 SH   SOLE 0 4,164 0 0
VANGUARD S&P 500 ETF Com 922908363   231,941 531 SH   DFND 0 531 0 0
VANGUARD REAL ESTATE ETF Com 922908553   866,193 9,803 SH   SOLE 0 9,738 0 65
VANGUARD REAL ESTATE ETF Com 922908553   47,714 540 SH   DFND 0 540 0 0
VANGUARD IND FD MID-CAP Com 922908629   1,086,429 4,670 SH   SOLE 0 4,670 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   623,481 3,792 SH   SOLE 0 3,792 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   67,412 410 SH   DFND 0 410 0 0
VANGUARD GROWTH INDEX FUND Com 922908736   284,455 915 SH   SOLE 0 915 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   917,930 6,140 SH   SOLE 0 6,140 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   10,465 70 SH   DFND 0 70 0 0
VANGUARD SMALL-CAP ETF Com 922908751   514,765 2,413 SH   SOLE 0 2,413 0 0
VANGUARD TOTAL STOCK MARKET ETF Com 922908769   368,877 1,555 SH   SOLE 0 1,555 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   1,157,239 30,696 SH   SOLE 0 30,696 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   105,522 2,799 SH   DFND 0 2,799 0 0
VISA INC-CLASS A SHARES Com 92826C839   2,978,925 11,442 SH   SOLE 0 11,442 0 0
VISA INC-CLASS A SHARES Com 92826C839   12,497 48 SH   DFND 0 48 0 0
WALMART INC Com 931142103   1,029,455 6,530 SH   SOLE 0 6,530 0 0
WALMART INC Com 931142103   378,360 2,400 SH   DFND 0 2,400 0 0
WASTE MGMT INC Com 94106L109   770,309 4,301 SH   SOLE 0 4,301 0 0
WASTE MGMT INC Com 94106L109   13,791 77 SH   DFND 0 77 0 0
WELLS FARGO & CO Com 949746101   523,061 10,627 SH   SOLE 0 10,627 0 0
WELLS FARGO & CO Com 949746101   100,409 2,040 SH   DFND 0 2,040 0 0
WELLS FARGO CO NEW PERP PFD CNV A Pfd Stk 949746804   221,123 185 SH   SOLE 0 185 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315   490,723 12,063 SH   SOLE 0 12,063 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604   1,268,045 39,417 SH   SOLE 0 39,417 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   1,136,370 39,348 SH   SOLE 0 39,348 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   72,489 2,510 SH   DFND 0 2,510 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669   1,057,081 15,041 SH   SOLE 0 15,041 0 0
XYLEM INC Com 98419M100   297,793 2,604 SH   SOLE 0 2,604 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   196,546 1,615 SH   SOLE 0 1,615 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   43,812 360 SH   DFND 0 360 0 0
ZOETIS INC CL A Com 98978V103   606,518 3,073 SH   SOLE 0 3,073 0 0
ACCENTURE PLC-CL A Com G1151C101   1,962,640 5,593 SH   SOLE 0 5,593 0 0
ACCENTURE PLC-CL A Com G1151C101   231,601 660 SH   DFND 0 660 0 0
EATON CORP PLC Com G29183103   599,642 2,490 SH   SOLE 0 2,490 0 0
EATON CORP PLC Com G29183103   905,724 3,761 SH   DFND 0 3,761 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   669,834 11,621 SH   SOLE 0 11,621 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   275,173 4,774 SH   DFND 0 4,774 0 0
MEDTRONIC PLC Com G5960L103   306,701 3,723 SH   SOLE 0 3,723 0 0
MEDTRONIC PLC Com G5960L103   28,751 349 SH   DFND 0 349 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   833,894 3,419 SH   SOLE 0 3,419 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   302,436 1,240 SH   DFND 0 1,240 0 0
CHUBB LTD Com H1467J104   609,974 2,699 SH   SOLE 0 2,699 0 0
CHUBB LTD Com H1467J104   18,080 80 SH   DFND 0 80 0 0
NXP SEMICONDUCTORS Com N6596X109   284,803 1,240 SH   SOLE 0 1,240 0 0