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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ROYAL CARIBBEAN CRUI F COM v7780t103 26,444 322,325 SH   SOLE   322,325 0 0
ISHARES IBOXX INVSTMNT GRADE C ETF 464287242 2,971 25,350 SH   SOLE   25,350 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 11,506 240,000 SH   SOLE   240,000 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 6,742 116,000 SH   SOLE   116,000 0 0
VANGUARD INDEX FDS VANGUARDSMA ETF 922908751 12,219 94,750 SH   SOLE   94,750 0 0
VANGUARD INTL EQUITY INDEXFUND ETF 922042858 7,876 220,135 SH   SOLE   220,135 0 0
VANGUARD REIT INDEX FD ETF ETF 922908553 10,935 132,500 SH   SOLE   132,500 0 0
VANGUARD TOTAL STK MKT ETF ETF 922908769 44,629 387,000 SH   SOLE   387,000 0 0
VANGUARD WHITEHALL FDSHIGH DIV ETF 921946406 21,973 290,000 SH   SOLE   290,000 0 0
WISDOMTREE TR EMERGINGMKTS HIG ETF 97717w315 3,333 89,265 SH   SOLE   89,265 0 0
WISDOMTREE TR SMALLCAPDIVID FD ETF 97717w604 8,996 108,755 SH   SOLE   108,755 0 0