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    <nameOfIssuer>AMERICA MOVIL S.A.</nameOfIssuer>
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    <nameOfIssuer>BANCO BILBAO VIZCAYA - SP ADR</nameOfIssuer>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040h105</cusip>
    <value>2580</value>
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      <sshPrnamt>41070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41070</Sole>
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      <None>0</None>
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    <nameOfIssuer>CATERPILLAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>3017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>151020104</cusip>
    <value>1275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CERNER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>156782104</cusip>
    <value>2990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>4252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CHINA MOBILE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>16941m109</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171232101</cusip>
    <value>2629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171340102</cusip>
    <value>973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>1590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>1427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825c104</cusip>
    <value>3327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER DISCRETIONARY SELECT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369y407</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSUMER STAPLES SELECT SECTOR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369y308</cusip>
    <value>2161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COVIDIEN LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060935297</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>2115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>2601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23918k108</cusip>
    <value>1715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>2099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179m103</cusip>
    <value>1384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25243q205</cusip>
    <value>3651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DNAPRINT GENOMICS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23324q202</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746u109</cusip>
    <value>2409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260003108</cusip>
    <value>1319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260543103</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DR PEPPER SNAPPLE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26138e109</cusip>
    <value>919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DU PONT (E.I.) DE NEMOURS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>263534109</cusip>
    <value>2392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>264399106</cusip>
    <value>1391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278058102</cusip>
    <value>1406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECA MARCELLUS TRUST I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26827l109</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMC  CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>268648102</cusip>
    <value>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>2566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875p101</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219G108</cusip>
    <value>1769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>160440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1835485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FOSSIL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>349882100</cusip>
    <value>1661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16076</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESENIUS MEDICAL CARE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>358029106</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>2465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38259p508</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER (W.W.) INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HARLEY DAVIDSON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>412822106</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HCC INSURANCE HOLDINGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>404132102</cusip>
    <value>2351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42217k106</cusip>
    <value>2844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806407102</cusip>
    <value>1966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438506107</cusip>
    <value>4934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONG KONG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286871</cusip>
    <value>467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDUSTRIALS SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHINE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>4052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COHEN &amp; STEERS REIT IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287564</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES U.S. HEALTHC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287762</cusip>
    <value>611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES US TECH SECT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287721</cusip>
    <value>1701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES US TELECOMMU</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287713</cusip>
    <value>1210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287465</cusip>
    <value>3491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287234</cusip>
    <value>1476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 INDEX FUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287655</cusip>
    <value>6177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287630</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/BARRA G</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287606</cusip>
    <value>2680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/BARRA V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287705</cusip>
    <value>2262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P NORTH AMER TECH SE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287549</cusip>
    <value>1950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/BARRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287887</cusip>
    <value>2508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/BARRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287879</cusip>
    <value>2156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J.P. MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>616880100</cusip>
    <value>2157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAPAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286848</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>3067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>485170104</cusip>
    <value>1597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>KINDER MORGAN ENERGY PRTNERS M</nameOfIssuer>
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    <cusip>494550106</cusip>
    <value>597</value>
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    <votingAuthority>
      <Sole>6990</Sole>
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      <None>0</None>
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    <nameOfIssuer>KKR &amp; CO LP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48248m102</cusip>
    <value>712</value>
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      <sshPrnamt>36215</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>KOHLS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500255104</cusip>
    <value>1134</value>
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      <sshPrnamt>22450</sshPrnamt>
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    <votingAuthority>
      <Sole>22450</Sole>
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      <None>0</None>
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    <nameOfIssuer>KRAFTS FOODS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50076q106</cusip>
    <value>1589</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>28435</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <value>358</value>
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      <sshPrnamt>23000</sshPrnamt>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <value>2201</value>
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      <sshPrnamt>63650</sshPrnamt>
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      <Sole>63650</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
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    <cusip>56585a102</cusip>
    <value>711</value>
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      <sshPrnamt>10000</sshPrnamt>
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    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTERNATIONAL</nameOfIssuer>
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    <value>268</value>
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      <sshPrnamt>6631</sshPrnamt>
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    <votingAuthority>
      <Sole>6631</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
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    <cusip>57636q104</cusip>
    <value>1804</value>
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      <sshPrnamt>3140</sshPrnamt>
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    <votingAuthority>
      <Sole>3140</Sole>
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      <None>0</None>
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    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>1274</value>
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      <sshPrnamt>33235</sshPrnamt>
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    <votingAuthority>
      <Sole>33235</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <cusip>580135101</cusip>
    <value>4248</value>
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      <sshPrnamt>42906</sshPrnamt>
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    <votingAuthority>
      <Sole>42906</Sole>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>585055106</cusip>
    <value>680</value>
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      <sshPrnamt>13212</sshPrnamt>
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      <Sole>13212</Sole>
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    <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589331107</cusip>
    <value>667</value>
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      <sshPrnamt>14355</sshPrnamt>
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    <votingAuthority>
      <Sole>14355</Sole>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>2004</value>
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      <sshPrnamt>43797</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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    <cusip>594918104</cusip>
    <value>3146</value>
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      <sshPrnamt>91060</sshPrnamt>
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    <votingAuthority>
      <Sole>91060</Sole>
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    <nameOfIssuer>MOLEX INC COM</nameOfIssuer>
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    <cusip>608554101</cusip>
    <value>1652</value>
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      <sshPrnamt>56300</sshPrnamt>
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    <votingAuthority>
      <Sole>56300</Sole>
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      <None>0</None>
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    <nameOfIssuer>MOLSON COORS BREWING CO</nameOfIssuer>
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    <cusip>608171r20</cusip>
    <value>483</value>
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      <sshPrnamt>10100</sshPrnamt>
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    <votingAuthority>
      <Sole>10100</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>1480</value>
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      <sshPrnamt>51860</sshPrnamt>
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    <votingAuthority>
      <Sole>51860</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONSANTO CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61166w101</cusip>
    <value>252</value>
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      <sshPrnamt>2550</sshPrnamt>
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    <votingAuthority>
      <Sole>2550</Sole>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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    <cusip>617446448</cusip>
    <value>381</value>
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      <None>0</None>
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    <nameOfIssuer>MURPHY OIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>706</value>
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    <votingAuthority>
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    <nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
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    <cusip>637071101</cusip>
    <value>2026</value>
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      <Sole>29400</Sole>
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    <nameOfIssuer>NESTLE S.A.</nameOfIssuer>
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    <cusip>641069406</cusip>
    <value>750</value>
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      <sshPrnamt>11400</sshPrnamt>
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      <Sole>11400</Sole>
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    <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339f101</cusip>
    <value>2386</value>
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      <sshPrnamt>29285</sshPrnamt>
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    <votingAuthority>
      <Sole>29285</Sole>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>654106103</cusip>
    <value>3914</value>
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      <sshPrnamt>61462</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61462</Sole>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
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      <Sole>46070</Sole>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>66987v109</cusip>
    <value>1636</value>
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      <sshPrnamt>23135</sshPrnamt>
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      <Sole>23135</Sole>
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      <None>0</None>
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    <nameOfIssuer>NOVO-NORDISK AS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670100205</cusip>
    <value>1048</value>
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      <sshPrnamt>6765</sshPrnamt>
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    <votingAuthority>
      <Sole>6765</Sole>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
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    <cusip>670346105</cusip>
    <value>241</value>
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      <Sole>5560</Sole>
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    <nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>2933</value>
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    <votingAuthority>
      <Sole>32870</Sole>
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      <None>0</None>
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    <nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>2473</value>
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      <sshPrnamt>39330</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39330</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389x105</cusip>
    <value>1893</value>
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      <sshPrnamt>61625</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61625</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PACIFIC EX-JAPAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286665</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>2570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31427</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31427</Sole>
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      <None>0</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>1495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53375</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>53375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2845</value>
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      <sshPrnamt>32850</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32850</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>2919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49552</sshPrnamt>
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      <Sole>49552</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLUM CREEK TIMBER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>729251108</cusip>
    <value>4036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86485</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>86485</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POTASH CORP SASK INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>73755L107</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES DYN PHARMACEUTICAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>73935x799</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6110</sshPrnamt>
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      <Sole>6110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW BANK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>73937B746</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ NASDAQ 100</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>73935a104</cusip>
    <value>6452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351t106</cusip>
    <value>527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>1800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>2467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SERVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCHE HOLDINGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>771195104</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>775109200</cusip>
    <value>323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES, INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780259206</cusip>
    <value>643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDEX S&amp;P 500 EQUAL WEIGHTED I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78355W106</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI-AVENTIS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>80105n105</cusip>
    <value>605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>803054205</cusip>
    <value>390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>B58JVZ5</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIEMENS AG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>826197501</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SINGAPORE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286673</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83175m205</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDUSTRIAL AVER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>252787106</cusip>
    <value>1044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR LEHMAN HIGH YIELD BOND ET</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78464a417</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P INTERNATIONAL DIVIDEN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78463x772</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467y107</cusip>
    <value>7979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P RETAIL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78464a714</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR TRUST SERIES 1</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78462f103</cusip>
    <value>958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>847560109</cusip>
    <value>3185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATOILHYDRO ASA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85771p102</cusip>
    <value>464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SWEDEN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286756</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNERGY RESOURCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87164p103</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNGENTA AG-ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87160a100</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286731</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>874039100</cusip>
    <value>2222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>121303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612e106</cusip>
    <value>2201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>4160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>136010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88076w103</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE BUCKLE INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>118440106</cusip>
    <value>2808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE WALT DISNEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>2805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>891027104</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL SA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89151e109</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOWERS WATSON &amp; CO - CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>891894107</cusip>
    <value>656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892331307</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSCANADA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89353d107</cusip>
    <value>472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417e109</cusip>
    <value>3411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U.S. BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902973304</cusip>
    <value>2260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER N.V.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>904784709</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>3690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>913017109</cusip>
    <value>3811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369y886</cusip>
    <value>715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX U.S</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922042775</cusip>
    <value>711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>921943858</cusip>
    <value>2141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922042858</cusip>
    <value>3777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP GROWTH</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922908538</cusip>
    <value>1377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP VIPERS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922908629</cusip>
    <value>4115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD PACIFIC VIPERS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922042866</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>922908751</cusip>
    <value>872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276f100</cusip>
    <value>854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>4049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VFC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>3404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826c839</cusip>
    <value>4485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92857w100</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106l109</cusip>
    <value>1777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>1106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962166104</cusip>
    <value>578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE EMERGING MARKETS DI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>97717W315</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>393134107</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389b100</cusip>
    <value>595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>2412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98978v103</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA - SP ADR</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>05946k101</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>084670108</cusip>
    <value>674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>084670702</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>055622104</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>205887102</cusip>
    <value>639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURIS INC</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>231269101</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>337738108</cusip>
    <value>5402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALENA BIOPHARMA</nameOfIssuer>
    <titleOfClass>UNS</titleOfClass>
    <cusip>363256108</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN BEACON INTERNATIONAL</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>02368a794</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN CENTURY HERITAGE FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>025083791</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FUNDS EUROPACIFIC GRO</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>298706409</cusip>
    <value>587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FUNDS NEW ECONOMY FUN</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>643822406</cusip>
    <value>691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTISAN INTERNATIONAL FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>04314h204</cusip>
    <value>577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK HEALTH SC-INV A</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>091937573</cusip>
    <value>1224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUFFALO GROWTH FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>119826105</cusip>
    <value>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHEN &amp; STEERS REALTY SHARES</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>192476109</cusip>
    <value>994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA ACORN TR INTL</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>197199813</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA ENERGY &amp; NATURAL RESO</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>19765y829</cusip>
    <value>872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA MID CAP INDEX FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>19765j608</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA MID CAP VALUE</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>19765j830</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SMALL CAP VALUE FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>19765j764</cusip>
    <value>2079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>123284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA VALUE &amp; RESTRUCTURING</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>300722782</cusip>
    <value>1266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVIS FINANCIAL FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>239103500</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREYFUS MIDCAP INDEX FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>712223106</cusip>
    <value>2730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREYFUS SMALL CAP INDEX</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>26200q204</cusip>
    <value>3009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY ADVISOR MID CAP FUND-</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>315805606</cusip>
    <value>488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18554</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST EAGLE OVERSEAS FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>32008f101</cusip>
    <value>1990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS SMALL CAP VALUE</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>38141w612</cusip>
    <value>937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARBOR INTERNATIONAL FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>411511306</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS GLOBAL TECHNOLOGY FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>471023663</cusip>
    <value>1361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MFS UTILITIES FUND-A</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>552986309</cusip>
    <value>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN EMERGING MKTS EQ</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>665162582</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN SMALL CAP VALUE FD</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>665162400</cusip>
    <value>2265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>119949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OAKMARK EQUITY &amp; INCOME FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>413838400</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OAKMARK INTERNATIONAL FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>413838202</cusip>
    <value>1545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL MIDCAP BLEND FD-IN</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>74253q747</cusip>
    <value>2799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>156047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RS PARTNERS FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>74972h408</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB EMERGING MARKETS INDEX</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>808509343</cusip>
    <value>1567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>195428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB INTERNATIONAL INDEX FUN</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>808509830</cusip>
    <value>4125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>237883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB S&amp;P 500 INDEX</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>808509855</cusip>
    <value>11772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>466396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB SMALL CAP INDEX FUND -</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>808509848</cusip>
    <value>2255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOUT INTERNATIONAL FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>904199403</cusip>
    <value>3713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOUT MID CAP FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>81063u206</cusip>
    <value>1801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELPATH MLP ALPHA FUND-I</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>858268501</cusip>
    <value>507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELPATH MLP SELECT 40-I</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>858268204</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE YACKTMAN FUND</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>984281105</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THORNBURG INTERNATIONAL VALUE</nameOfIssuer>
    <titleOfClass>MF</titleOfClass>
    <cusip>885215566</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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