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    <nameOfIssuer>AIR PRODUCTS AND CHEMICALS I</nameOfIssuer>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
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    <nameOfIssuer>COLUMBIA ETF TR II</nameOfIssuer>
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    <nameOfIssuer>ERMENEGILDO ZEGNA N V</nameOfIssuer>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
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      <Sole>2032</Sole>
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      <None>201778</None>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>10677444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>67377</None>
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    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>648566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7029</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7029</None>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR TECHN ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>220813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1159</None>
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    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>7109540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71611</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>70796</None>
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    <nameOfIssuer>SLB LIMITED</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>9035746</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>2187</Sole>
      <Shared>0</Shared>
      <None>192172</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ST DOW INTL ETF</titleOfClass>
    <cusip>78463X863</cusip>
    <value>31765858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1176078</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
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      <None>1160623</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>SP CHINA ETF</titleOfClass>
    <cusip>78463X400</cusip>
    <value>17147195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198188</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>2015</Sole>
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      <None>196173</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP DIV</titleOfClass>
    <cusip>78464A763</cusip>
    <value>262511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1725</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP BIOT</titleOfClass>
    <cusip>78464A870</cusip>
    <value>26748510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169027</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>2020</Sole>
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      <None>167007</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR DOW REIT</titleOfClass>
    <cusip>78464A607</cusip>
    <value>1221651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10814</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>10814</None>
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    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>ST STR BL LN ETF</titleOfClass>
    <cusip>78467V608</cusip>
    <value>29155052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723630</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11380</Sole>
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      <None>712250</None>
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    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>18978413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25414</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>25414</None>
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    <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1299069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1847</sshPrnamt>
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    <otherManager>0</otherManager>
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      <Sole>20</Sole>
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      <None>1827</None>
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  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>247817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1080</None>
    </votingAuthority>
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    <nameOfIssuer>SUN CMNTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>866674104</cusip>
    <value>5821712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48551</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>553</Sole>
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      <None>47998</None>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>874054109</cusip>
    <value>14955303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59826</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
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      <None>59146</None>
    </votingAuthority>
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    <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G87052109</cusip>
    <value>241730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1199</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1199</None>
    </votingAuthority>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>270866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>644</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>20928090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>443</Sole>
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      <None>41300</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>214578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>650</None>
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    <nameOfIssuer>TREX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89531P105</cusip>
    <value>9969769</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>196836</None>
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    <nameOfIssuer>TRIP COM GROUP LTD</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>89677Q107</cusip>
    <value>5941076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149123</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1385</Sole>
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      <None>147738</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1452752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5341</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5341</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>9588914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
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      <None>8361</None>
    </votingAuthority>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>10840911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26083</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
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      <None>25763</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>LOW CARBN ENERGY</titleOfClass>
    <cusip>92189F502</cusip>
    <value>285766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1956</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1956</None>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 GRTH</titleOfClass>
    <cusip>921932794</cusip>
    <value>271553</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1770</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>1543180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>31000</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>7036960</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>32290</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>424765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5272</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Shared>0</Shared>
      <None>5272</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>9180973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106582</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Shared>0</Shared>
      <None>106582</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>706727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1029</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1029</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>44775595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464333</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>459068</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>376608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1242</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1242</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>2480378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6703</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6703</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>153845639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1836963</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>22202</Sole>
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      <None>1814761</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>43666019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>493178</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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