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

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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
AMGEN INC COM 031162100   1,365,196 6,149 SH   DFND 1 6,149 0 0
APPLE INC COM 037833100   2,324,199 11,982 SH   DFND 1 11,982 0 0
ARCH CAP GROUP LTD ORD G0450A105   1,957,477 26,152 SH   DFND 1 26,152 0 0
AUTOZONE INC COM 053332102   1,578,297 633 SH   DFND 1 633 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,748,648 5,128 SH   DFND 1 5,128 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,208,066 18,891 SH   DFND 1 18,891 0 0
CHEVRON CORP NEW COM 166764100   2,516,785 15,995 SH   DFND 1 15,995 0 0
CORNING INC COM 219350105   1,400,854 39,979 SH   DFND 1 39,979 0 0
DOLLAR GEN CORP NEW COM 256677105   1,647,497 9,704 SH   DFND 1 9,704 0 0
EXXON MOBIL CORP COM 30231G102   2,733,954 25,491 SH   DFND 1 25,491 0 0
GRAINGER W W INC COM 384802104   1,432,841 1,817 SH   DFND 1 1,817 0 0
HOME DEPOT INC COM 437076102   1,907,932 6,142 SH   DFND 1 6,142 0 0
HUMANA INC COM 444859102   1,334,947 2,986 SH   DFND 1 2,986 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   1,245,088 15,644 SH   DFND 1 15,644 0 0
JOHNSON & JOHNSON COM 478160104   2,178,978 13,164 SH   DFND 1 13,164 0 0
JPMORGAN CHASE & CO COM 46625H100   1,717,666 11,810 SH   DFND 1 11,810 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,313,936 6,712 SH   DFND 1 6,712 0 0
LOCKHEED MARTIN CORP COM 539830109   1,302,400 2,829 SH   DFND 1 2,829 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,751,227 9,311 SH   DFND 1 9,311 0 0
MCDONALDS CORP COM 580135101   1,757,635 5,890 SH   DFND 1 5,890 0 0
MCKESSON CORP COM 58155Q103   1,726,329 4,040 SH   DFND 1 4,040 0 0
MICROSOFT CORP COM 594918104   2,362,221 6,937 SH   DFND 1 6,937 0 0
ORACLE CORP COM 68389X105   1,542,096 12,949 SH   DFND 1 12,949 0 0
PACCAR INC COM 693718108   1,342,478 16,049 SH   DFND 1 16,049 0 0
PHILIP MORRIS INTL INC COM 718172109   1,957,183 20,049 SH   DFND 1 20,049 0 0
PROGRESSIVE CORP COM 743315103   1,679,492 12,688 SH   DFND 1 12,688 0 0
QUALCOMM INC COM 747525103   1,118,592 9,397 SH   DFND 1 9,397 0 0
SCHWAB CHARLES CORP COM 808513105   1,478,985 26,094 SH   DFND 1 26,094 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   71,879,980 326,312 SH   DFND 1 326,312 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   38,244,583 360,560 SH   DFND 1 360,560 0 0
VISA INC COM CL A 92826C839   2,023,532 8,521 SH   DFND 1 8,521 0 0
WABTEC COM 929740108   1,246,848 11,369 SH   DFND 1 11,369 0 0
WALMART INC COM 931142103   2,537,580 16,144 SH   DFND 1 16,144 0 0
WILLIAMS COS INC COM 969457100   1,702,286 52,169 SH   DFND 1 52,169 0 0