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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 116 444 SH   SOLE   0 0 444
LINDE PLC SHS G5494J103 40 151 SH   SOLE   0 0 151
MEDTRONIC PLC SHS G5960L103 79 678 SH   SOLE   0 0 678
AT&T INC COM 00206R102 96 3,328 SH   SOLE   0 0 3,327
ABBOTT LABS COM 002824100 123 1,119 SH   SOLE   0 0 1,119
ABBVIE INC COM 00287Y109 139 1,299 SH   SOLE   0 0 1,299
ADOBE SYSTEMS INCORPORATED COM 00724F101 179 357 SH   SOLE   0 0 357
AIR PRODS & CHEMS INC COM 009158106 22 80 SH   SOLE   0 0 80
ALPHABET INC CAP STK CL C 02079K107 441 252 SH   SOLE   0 0 252
ALPHABET INC CAP STK CL A 02079K305 719 410 SH   SOLE   0 0 410
AMAZON COM INC COM 023135106 59,671 18,321 SH   SOLE   0 0 18,321
AMERICAN ELEC PWR CO INC COM 025537101 339 4,065 SH   SOLE   0 0 4,065
AMERICAN EXPRESS CO COM 025816109 74 611 SH   SOLE   0 0 611
AMERICAN TOWER CORP NEW COM 03027X100 18 81 SH   SOLE   0 0 81
AMGEN INC COM 031162100 81 354 SH   SOLE   0 0 354
APPLE INC COM 037833100 4,523 34,087 SH   SOLE   0 0 34,087
APPLIED MATLS INC COM 038222105 113 1,311 SH   SOLE   0 0 1,311
AUTODESK INC COM 052769106 35 116 SH   SOLE   0 0 116
AUTOMATIC DATA PROCESSING IN COM 053015103 29 162 SH   SOLE   0 0 162
BANCO SANTANDER S.A. ADR 05964H105 16 5,296 SH   SOLE   0 0 5,296
BK OF AMERICA CORP COM 060505104 221 7,294 SH   SOLE   0 0 7,294
BECTON DICKINSON & CO COM 075887109 65 259 SH   SOLE   0 0 259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,618 15,602 SH   SOLE   0 0 15,602
BLACKROCK INC COM 09247X101 38 52 SH   SOLE   0 0 52
BOEING CO COM 097023105 155 722 SH   SOLE   0 0 722
BOOKING HOLDINGS INC COM 09857L108 38 17 SH   SOLE   0 0 17
BRISTOL-MYERS SQUIBB CO COM 110122108 133 2,146 SH   SOLE   0 0 2,146
BROADCOM INC COM 11135F101 119 272 SH   SOLE   0 0 272
CIGNA CORP NEW COM 125523100 133 640 SH   SOLE   0 0 640
CVS HEALTH CORP COM 126650100 60 881 SH   SOLE   0 0 881
CATERPILLAR INC COM 149123101 66 365 SH   SOLE   0 0 365
CHARTER COMMUNICATIONS INC N CL A 16119P108 34 52 SH   SOLE   0 0 52
CHEVRON CORP NEW COM 166764100 296 3,507 SH   SOLE   0 0 3,507
CISCO SYS INC COM 17275R102 271 6,053 SH   SOLE   0 0 6,052
CITIGROUP INC COM NEW 172967424 23 380 SH   SOLE   0 0 380
COCA COLA CO COM 191216100 226 4,112 SH   SOLE   0 0 4,112
COLGATE PALMOLIVE CO COM 194162103 29 334 SH   SOLE   0 0 334
COMCAST CORP NEW CL A 20030N101 142 2,712 SH   SOLE   0 0 2,712
COSTCO WHSL CORP NEW COM 22160K105 303 804 SH   SOLE   0 0 804
DANAHER CORPORATION COM 235851102 123 552 SH   SOLE   0 0 552
DEERE & CO COM 244199105 15 54 SH   SOLE   0 0 54
DISNEY WALT CO COM 254687106 1,109 6,119 SH   SOLE   0 0 6,119
EDWARDS LIFESCIENCES CORP COM 28176E108 76 828 SH   SOLE   0 0 828
FACEBOOK INC CL A 30303M102 790 2,891 SH   SOLE   0 0 2,891
GENERAL ELECTRIC CO COM 369604103 62 5,709 SH   SOLE   0 0 5,709
GOLDMAN SACHS GROUP INC COM 38141G104 40 150 SH   SOLE   0 0 150
HOME DEPOT INC COM 437076102 110 414 SH   SOLE   0 0 414
HONEYWELL INTL INC COM 438516106 38 180 SH   SOLE   0 0 180
HUMANA INC COM 444859102 56 137 SH   SOLE   0 0 137
ILLINOIS TOOL WKS INC COM 452308109 23 113 SH   SOLE   0 0 113
INTEL CORP COM 458140100 241 4,827 SH   SOLE   0 0 4,827
INTERNATIONAL BUSINESS MACHS COM 459200101 214 1,701 SH   SOLE   0 0 1,700
INVESCO QQQ TR UNIT SER 1 46090E103 295 940 SH   SOLE   0 0 940
INTUIT COM 461202103 25 67 SH   SOLE   0 0 67
ISHARES GOLD TRUST ISHARES 464285105 21,049 1,161,024 SH   SOLE   0 0 1,161,024
ISHARES TR CORE S&P500 ETF 464287200 4,927 13,126 SH   SOLE   0 0 13,125
ISHARES TR S&P 500 VAL ETF 464287408 449 3,508 SH   SOLE   0 0 3,508
ISHARES TR MSCI EAFE ETF 464287465 2,939 40,282 SH   SOLE   0 0 40,282
ISHARES TR RUS MID CAP ETF 464287499 1,265 18,451 SH   SOLE   0 0 18,451
ISHARES TR CORE S&P MCP ETF 464287507 2,622 11,408 SH   SOLE   0 0 11,408
ISHARES TR RUS 1000 ETF 464287622 8,034 37,924 SH   SOLE   0 0 37,924
ISHARES TR RUSSELL 2000 ETF 464287655 887 4,523 SH   SOLE   0 0 4,523
ISHARES TR CORE S&P SCP ETF 464287804 7,680 83,567 SH   SOLE   0 0 83,567
ISHARES TR SHRT NAT MUN ETF 464288158 625 5,778 SH   SOLE   0 0 5,778
ISHARES TR JPMORGAN USD EMG 464288281 14,159 122,155 SH   SOLE   0 0 122,155
ISHARES TR NATIONAL MUN ETF 464288414 351 2,993 SH   SOLE   0 0 2,993
ISHARES TR CRE U S REIT ETF 464288521 12,145 250,872 SH   SOLE   0 0 250,871
ISHARES TR MSCI USA ESG SLC 464288802 2,767 33,610 SH   SOLE   0 0 33,610
ISHARES TR CORE MSCI EAFE 46432F842 34,058 492,946 SH   SOLE   0 0 492,946
ISHARES INC CORE MSCI EMKT 46434G103 14,008 225,795 SH   SOLE   0 0 225,794
ISHARES INC ESG AWR MSCI EM 46434G863 5,177 123,310 SH   SOLE   0 0 123,310
ISHARES TR ESG AWR MSCI USA 46435G425 7,223 83,960 SH   SOLE   0 0 83,960
ISHARES TR ESG AW MSCI EAFE 46435G516 16,603 227,310 SH   SOLE   0 0 227,310
ISHARES TR ESG AWARE MSCI 46435U663 746 21,866 SH   SOLE   0 0 21,866
ISORAY INC COM 46489V104 275 610,500 SH   SOLE   0 0 610,500
JPMORGAN CHASE & CO COM 46625H100 466 3,667 SH   SOLE   0 0 3,667
JOHNSON & JOHNSON COM 478160104 387 2,459 SH   SOLE   0 0 2,459
LILLY ELI & CO COM 532457108 52 306 SH   SOLE   0 0 306
LOWES COS INC COM 548661107 129 805 SH   SOLE   0 0 805
MASTERCARD INCORPORATED CL A 57636Q104 353 988 SH   SOLE   0 0 988
MCDONALDS CORP COM 580135101 451 2,103 SH   SOLE   0 0 2,103
MERCK & CO. INC COM 58933Y105 231 2,830 SH   SOLE   0 0 2,829
MICROSOFT CORP COM 594918104 68,325 307,187 SH   SOLE   0 0 307,187
MONDELEZ INTL INC CL A 609207105 81 1,385 SH   SOLE   0 0 1,385
MORGAN STANLEY COM NEW 617446448 49 710 SH   SOLE   0 0 710
NEOLEUKIN THERAPEUTICS INC COM 64049K104 663 46,999 SH   SOLE   0 0 46,999
NETFLIX INC COM 64110L106 73 135 SH   SOLE   0 0 135
NEXTERA ENERGY INC COM 65339F101 141 1,823 SH   SOLE   0 0 1,823
NIKE INC CL B 654106103 335 2,365 SH   SOLE   0 0 2,365
NVIDIA CORPORATION COM 67066G104 155 296 SH   SOLE   0 0 296
ORACLE CORP COM 68389X105 131 2,029 SH   SOLE   0 0 2,029
PNC FINL SVCS GROUP INC COM 693475105 55 371 SH   SOLE   0 0 371
PAYPAL HLDGS INC COM 70450Y103 80 342 SH   SOLE   0 0 342
PEPSICO INC COM 713448108 194 1,309 SH   SOLE   0 0 1,309
PFIZER INC COM 717081103 61 1,661 SH   SOLE   0 0 1,661
PIMCO ETF TR ACTIVE BD ETF 72201R775 389 3,440 SH   SOLE   0 0 3,440
PROCTER AND GAMBLE CO COM 742718109 392 2,819 SH   SOLE   0 0 2,819
PROLOGIS INC. COM 74340W103 12 118 SH   SOLE   0 0 118
QUALCOMM INC COM 747525103 193 1,266 SH   SOLE   0 0 1,265
QUANTUM CORP COM NEW 747906501 427 69,723 SH   SOLE   0 0 69,723
S&P GLOBAL INC COM 78409V104 29 87 SH   SOLE   0 0 87
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,649 44,529 SH   SOLE   0 0 44,529
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,078 31,930 SH   SOLE   0 0 31,930
SALESFORCE COM INC COM 79466L302 102 458 SH   SOLE   0 0 458
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 261 2,872 SH   SOLE   0 0 2,872
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 654 7,191 SH   SOLE   0 0 7,190
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,017 15,851 SH   SOLE   0 0 15,851
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,816 300,362 SH   SOLE   0 0 300,362
SHERWIN WILLIAMS CO COM 824348106 24 33 SH   SOLE   0 0 33
SMARTSHEET INC COM CL A 83200N103 208 3,000 SH   SOLE   0 0 3,000
STARBUCKS CORP COM 855244109 1,667 15,580 SH   SOLE   0 0 15,580
SYSCO CORP COM 871829107 62 840 SH   SOLE   0 0 839
TJX COS INC NEW COM 872540109 30 434 SH   SOLE   0 0 434
TARGET CORP COM 87612E106 89 505 SH   SOLE   0 0 505
TESLA INC COM 88160R101 2,052 2,908 SH   SOLE   0 0 2,908
TEXAS INSTRS INC COM 882508104 170 1,038 SH   SOLE   0 0 1,038
THERMO FISHER SCIENTIFIC INC COM 883556102 258 554 SH   SOLE   0 0 554
3M CO COM 88579Y101 129 738 SH   SOLE   0 0 738
UNION PAC CORP COM 907818108 35 170 SH   SOLE   0 0 170
UNITED PARCEL SERVICE INC CL B 911312106 139 823 SH   SOLE   0 0 823
UNITEDHEALTH GROUP INC COM 91324P102 688 1,963 SH   SOLE   0 0 1,962
VANECK VECTORS ETF TR LOW CARBN ENERGY 92189F502 1,053 6,365 SH   SOLE   0 0 6,365
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 30,308 214,689 SH   SOLE   0 0 214,688
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,703 44,929 SH   SOLE   0 0 44,929
VANGUARD BD INDEX FDS INTERMED TERM 921937819 22,607 243,477 SH   SOLE   0 0 243,477
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 27,765 334,917 SH   SOLE   0 0 334,917
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 49,509 1,048,692 SH   SOLE   0 0 1,048,691
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,416 41,502 SH   SOLE   0 0 41,502
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,324 56,963 SH   SOLE   0 0 56,963
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,722 253,876 SH   SOLE   0 0 253,875
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,193 70,391 SH   SOLE   0 0 70,391
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,397 28,218 SH   SOLE   0 0 28,218
VANGUARD INDEX FDS MID CAP ETF 922908629 4,870 23,554 SH   SOLE   0 0 23,554
VANGUARD INDEX FDS GROWTH ETF 922908736 394 1,556 SH   SOLE   0 0 1,556
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,976 10,149 SH   SOLE   0 0 10,149
VANGUARD INDEX FDS TOTAL STK MKT 922908769 489 2,512 SH   SOLE   0 0 2,512
VERIZON COMMUNICATIONS INC COM 92343V104 206 3,498 SH   SOLE   0 0 3,498
VISA INC COM CL A 92826C839 421 1,926 SH   SOLE   0 0 1,926
WALMART INC COM 931142103 143 993 SH   SOLE   0 0 993
WASTE MGMT INC DEL COM 94106L109 106 899 SH   SOLE   0 0 899
ZOETIS INC CL A 98978V103 111 668 SH   SOLE   0 0 668
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 500 1,915 SH   OTR 1 1,915 0 0
LINDE PLC SHS G5494J103 384 1,458 SH   OTR 1 1,458 0 0
MEDTRONIC PLC SHS G5960L103 424 3,620 SH   OTR 1 3,620 0 0
AT&T INC COM 00206R102 264 9,190 SH   OTR 1 9,190 0 0
ABBOTT LABS COM 002824100 479 4,373 SH   OTR 1 4,373 0 0
ABBVIE INC COM 00287Y109 562 5,248 SH   OTR 1 5,248 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 748 1,495 SH   OTR 1 1,495 0 0
AIR PRODS & CHEMS INC COM 009158106 246 901 SH   OTR 1 901 0 0
ALPHABET INC CAP STK CL C 02079K107 1,076 614 SH   OTR 1 614 0 0
ALPHABET INC CAP STK CL A 02079K305 1,753 1,000 SH   OTR 1 1,000 0 0
AMAZON COM INC COM 023135106 2,257 693 SH   OTR 1 693 0 0
AMERICAN ELEC PWR CO INC COM 025537101 73 874 SH   OTR 1 874 0 0
AMERICAN EXPRESS CO COM 025816109 174 1,435 SH   OTR 1 1,435 0 0
AMERICAN TOWER CORP NEW COM 03027X100 206 919 SH   OTR 1 919 0 0
AMGEN INC COM 031162100 237 1,030 SH   OTR 1 1,030 0 0
APPLE INC COM 037833100 4,298 32,388 SH   OTR 1 32,388 0 0
APPLIED MATLS INC COM 038222105 321 3,718 SH   OTR 1 3,718 0 0
AUTODESK INC COM 052769106 231 757 SH   OTR 1 757 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 219 1,244 SH   OTR 1 1,244 0 0
BANCO SANTANDER S.A. ADR 05964H105 25 8,096 SH   OTR 1 8,096 0 0
BK OF AMERICA CORP COM 060505104 458 15,115 SH   OTR 1 15,115 0 0
BECTON DICKINSON & CO COM 075887109 210 841 SH   OTR 1 841 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 548 2,363 SH   OTR 1 2,363 0 0
BLACKROCK INC COM 09247X101 322 446 SH   OTR 1 446 0 0
BOEING CO COM 097023105 149 694 SH   OTR 1 694 0 0
BOOKING HOLDINGS INC COM 09857L108 281 126 SH   OTR 1 126 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 358 5,764 SH   OTR 1 5,764 0 0
BROADCOM INC COM 11135F101 299 682 SH   OTR 1 682 0 0
CIGNA CORP NEW COM 125523100 118 568 SH   OTR 1 568 0 0
CVS HEALTH CORP COM 126650100 232 3,395 SH   OTR 1 3,395 0 0
CATERPILLAR INC COM 149123101 217 1,193 SH   OTR 1 1,193 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 209 316 SH   OTR 1 316 0 0
CHEVRON CORP NEW COM 166764100 204 2,411 SH   OTR 1 2,411 0 0
CISCO SYS INC COM 17275R102 568 12,695 SH   OTR 1 12,695 0 0
CITIGROUP INC COM NEW 172967424 190 3,086 SH   OTR 1 3,086 0 0
COCA COLA CO COM 191216100 315 5,747 SH   OTR 1 5,747 0 0
COLGATE PALMOLIVE CO COM 194162103 230 2,694 SH   OTR 1 2,694 0 0
COMCAST CORP NEW CL A 20030N101 597 11,395 SH   OTR 1 11,395 0 0
COSTCO WHSL CORP NEW COM 22160K105 249 662 SH   OTR 1 662 0 0
DANAHER CORPORATION COM 235851102 232 1,044 SH   OTR 1 1,044 0 0
DEERE & CO COM 244199105 232 861 SH   OTR 1 861 0 0
DISNEY WALT CO COM 254687106 839 4,633 SH   OTR 1 4,632 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 136 1,488 SH   OTR 1 1,488 0 0
FACEBOOK INC CL A 30303M102 953 3,488 SH   OTR 1 3,488 0 0
GENERAL ELECTRIC CO COM 369604103 103 9,581 SH   OTR 1 9,581 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 311 1,180 SH   OTR 1 1,180 0 0
HOME DEPOT INC COM 437076102 773 2,911 SH   OTR 1 2,911 0 0
HONEYWELL INTL INC COM 438516106 189 887 SH   OTR 1 887 0 0
HUMANA INC COM 444859102 198 482 SH   OTR 1 482 0 0
ILLINOIS TOOL WKS INC COM 452308109 266 1,304 SH   OTR 1 1,304 0 0
INTEL CORP COM 458140100 587 11,773 SH   OTR 1 11,773 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 182 1,445 SH   OTR 1 1,445 0 0
INTUIT COM 461202103 239 629 SH   OTR 1 629 0 0
JPMORGAN CHASE & CO COM 46625H100 969 7,625 SH   OTR 1 7,625 0 0
JOHNSON & JOHNSON COM 478160104 1,267 8,053 SH   OTR 1 8,053 0 0
LILLY ELI & CO COM 532457108 192 1,136 SH   OTR 1 1,136 0 0
LOWES COS INC COM 548661107 326 2,033 SH   OTR 1 2,033 0 0
MASTERCARD INCORPORATED CL A 57636Q104 535 1,498 SH   OTR 1 1,498 0 0
MCDONALDS CORP COM 580135101 330 1,537 SH   OTR 1 1,537 0 0
MERCK & CO. INC COM 58933Y105 591 7,226 SH   OTR 1 7,226 0 0
MICROSOFT CORP COM 594918104 2,323 10,446 SH   OTR 1 10,446 0 0
MONDELEZ INTL INC CL A 609207105 236 4,043 SH   OTR 1 4,043 0 0
MORGAN STANLEY COM NEW 617446448 367 5,361 SH   OTR 1 5,361 0 0
NETFLIX INC COM 64110L106 432 798 SH   OTR 1 798 0 0
NEXTERA ENERGY INC COM 65339F101 411 5,333 SH   OTR 1 5,333 0 0
NIKE INC CL B 654106103 497 3,514 SH   OTR 1 3,514 0 0
NVIDIA CORPORATION COM 67066G104 901 1,726 SH   OTR 1 1,726 0 0
ORACLE CORP COM 68389X105 381 5,897 SH   OTR 1 5,897 0 0
PNC FINL SVCS GROUP INC COM 693475105 295 1,983 SH   OTR 1 1,983 0 0
PAYPAL HLDGS INC COM 70450Y103 874 3,733 SH   OTR 1 3,733 0 0
PEPSICO INC COM 713448108 677 4,568 SH   OTR 1 4,568 0 0
PFIZER INC COM 717081103 255 6,921 SH   OTR 1 6,921 0 0
PROCTER AND GAMBLE CO COM 742718109 660 4,747 SH   OTR 1 4,747 0 0
PROLOGIS INC. COM 74340W103 235 2,363 SH   OTR 1 2,363 0 0
QUALCOMM INC COM 747525103 309 2,028 SH   OTR 1 2,028 0 0
S&P GLOBAL INC COM 78409V104 255 775 SH   OTR 1 775 0 0
SALESFORCE COM INC COM 79466L302 570 2,560 SH   OTR 1 2,560 0 0
SHERWIN WILLIAMS CO COM 824348106 205 279 SH   OTR 1 279 0 0
STARBUCKS CORP COM 855244109 343 3,206 SH   OTR 1 3,206 0 0
SYSCO CORP COM 871829107 190 2,562 SH   OTR 1 2,562 0 0
TJX COS INC NEW COM 872540109 216 3,165 SH   OTR 1 3,165 0 0
TARGET CORP COM 87612E106 142 802 SH   OTR 1 802 0 0
TESLA INC COM 88160R101 893 1,266 SH   OTR 1 1,266 0 0
TEXAS INSTRS INC COM 882508104 481 2,932 SH   OTR 1 2,932 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 310 666 SH   OTR 1 666 0 0
3M CO COM 88579Y101 303 1,731 SH   OTR 1 1,731 0 0
UNION PAC CORP COM 907818108 369 1,774 SH   OTR 1 1,774 0 0
UNITED PARCEL SERVICE INC CL B 911312106 283 1,679 SH   OTR 1 1,679 0 0
UNITEDHEALTH GROUP INC COM 91324P102 975 2,780 SH   OTR 1 2,780 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 747 12,712 SH   OTR 1 12,712 0 0
VISA INC COM CL A 92826C839 683 3,122 SH   OTR 1 3,122 0 0
WALMART INC COM 931142103 303 2,103 SH   OTR 1 2,103 0 0
WASTE MGMT INC DEL COM 94106L109 176 1,495 SH   OTR 1 1,495 0 0
ZOETIS INC CL A 98978V103 186 1,122 SH   OTR 1 1,122 0 0