The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 2,719 33,735 SH   SOLE   33,735 0 0
ACTIVISION BLIZZARD INC COM 00507V109 602 13,214 SH   SOLE   12,149 0 1,065
ACTIVISION BLIZZARD INC COM 00507V109 168 3,699 SH   DFND 1 3,699 0 0
ADOBE INC COM 00724F101 464 1,742 SH   SOLE   1,742 0 0
ADVANCED MICRO DEVICES INC COM 007903107 310 12,133 SH   SOLE   12,133 0 0
AES CORP COM 00130H105 169 9,343 SH   SOLE   0 0 9,343
AES CORP COM 00130H105 599 33,139 SH   DFND 1 33,139 0 0
ALLISON TRANSMISSION HLDGS I COM 01973R101 837 18,630 SH   SOLE   18,630 0 0
ALLSTATE CORP COM 020002101 1,245 13,222 SH   SOLE   11,698 0 1,524
ALLSTATE CORP COM 020002101 498 5,290 SH   DFND 1 5,290 0 0
ALPHABET INC CAP STK CL A 02079K305 2,568 2,182 SH   SOLE   2,182 0 0
ALPHABET INC CAP STK CL C 02079K107 4,198 3,578 SH   SOLE   3,578 0 0
ALTRIA GROUP INC COM 02209S103 425 7,396 SH   SOLE   7,396 0 0
AMAZON COM INC COM 023135106 7,666 4,305 SH   SOLE   4,305 0 0
AMERICAN CAMPUS CMNTYS INC COM 024835100 92 1,930 SH   SOLE   530 0 1,400
AMERICAN CAMPUS CMNTYS INC COM 024835100 231 4,852 SH   DFND 1 4,852 0 0
AMERICAN EXPRESS CO COM 025816109 4,560 41,720 SH   SOLE   38,178 0 3,542
AMERICAN EXPRESS CO COM 025816109 1,344 12,301 SH   DFND 1 12,301 0 0
AMGEN INC COM 031162100 2,762 14,536 SH   SOLE   13,402 0 1,134
AMGEN INC COM 031162100 746 3,928 SH   DFND 1 3,928 0 0
ANALOG DEVICES INC COM 032654105 348 3,310 SH   SOLE   2,859 0 451
ANALOG DEVICES INC COM 032654105 164 1,560 SH   DFND 1 1,560 0 0
ANNALY CAP MGMT INC COM 035710409 424 42,455 SH   SOLE   42,455 0 0
ANTHEM INC COM 036752103 2,070 7,212 SH   SOLE   6,407 0 805
ANTHEM INC COM 036752103 803 2,797 SH   DFND 1 2,797 0 0
APPLE INC COM 037833100 8,994 47,350 SH   SOLE   45,742 0 1,608
APPLE INC COM 037833100 1,060 5,578 SH   DFND 1 5,578 0 0
APPLIED MATLS INC COM 038222105 2,178 54,928 SH   SOLE   54,928 0 0
APTIV PLC SHS G6095L109 497 6,257 SH   SOLE   5,424 0 833
APTIV PLC SHS G6095L109 236 2,963 SH   DFND 1 2,963 0 0
ARCOSA INC COM 039653100 63 2,067 SH   SOLE   0 0 2,067
ARCOSA INC COM 039653100 224 7,327 SH   DFND 1 7,327 0 0
AT&T INC COM 00206R102 3,227 102,907 SH   SOLE   86,654 0 16,253
AT&T INC COM 00206R102 1,775 56,598 SH   DFND 1 56,598 0 0
AVALONBAY CMNTYS INC COM 053484101 81 403 SH   SOLE   0 0 403
AVALONBAY CMNTYS INC COM 053484101 280 1,395 SH   DFND 1 1,395 0 0
BALL CORP COM 058498106 99 1,715 SH   SOLE   409 0 1,306
BALL CORP COM 058498106 262 4,528 SH   DFND 1 4,528 0 0
BANK AMER CORP COM 060505104 1,952 70,764 SH   SOLE   50,266 0 20,498
BANK AMER CORP COM 060505104 1,963 71,150 SH   DFND 1 71,150 0 0
BEST BUY INC COM 086516101 2,441 34,347 SH   SOLE   32,319 0 2,028
BEST BUY INC COM 086516101 502 7,061 SH   DFND 1 7,061 0 0
BIOGEN INC COM 09062X103 419 1,771 SH   SOLE   1,649 0 122
BIOGEN INC COM 09062X103 100 422 SH   DFND 1 422 0 0
BLACKROCK INC COM 09247X101 872 2,040 SH   SOLE   2,040 0 0
BOEING CO COM 097023105 6,310 16,544 SH   SOLE   16,544 0 0
BROADCOM INC COM 11135F101 690 2,293 SH   SOLE   1,992 0 301
BROADCOM INC COM 11135F101 312 1,038 SH   DFND 1 1,038 0 0
BRUNSWICK CORP COM 117043109 333 6,626 SH   SOLE   5,342 0 1,284
BRUNSWICK CORP COM 117043109 225 4,463 SH   DFND 1 4,463 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 59 1,161 SH   SOLE   0 0 1,161
CARNIVAL CORP UNIT 99/99/9999 143658300 205 4,033 SH   DFND 1 4,033 0 0
CATERPILLAR INC DEL COM 149123101 1,105 8,158 SH   SOLE   7,172 0 986
CATERPILLAR INC DEL COM 149123101 465 3,429 SH   DFND 1 3,429 0 0
CELGENE CORP COM 151020104 1,611 17,078 SH   SOLE   17,078 0 0
CENTENE CORP DEL COM 15135B101 1,603 30,187 SH   SOLE   29,167 0 1,020
CENTENE CORP DEL COM 15135B101 188 3,534 SH   DFND 1 3,534 0 0
CHEVRON CORP NEW COM 166764100 1,098 8,912 SH   SOLE   6,715 0 2,197
CHEVRON CORP NEW COM 166764100 939 7,624 SH   DFND 1 7,624 0 0
CIGNA CORP NEW COM 125523100 1,578 9,813 SH   SOLE   8,355 0 1,458
CIGNA CORP NEW COM 125523100 814 5,060 SH   DFND 1 5,060 0 0
CISCO SYS INC COM 17275R102 3,966 73,462 SH   SOLE   64,116 0 9,346
CISCO SYS INC COM 17275R102 1,751 32,434 SH   DFND 1 32,434 0 0
CITIGROUP INC COM NEW 172967424 2,101 33,760 SH   SOLE   28,771 0 4,989
CITIGROUP INC COM NEW 172967424 1,078 17,321 SH   DFND 1 17,321 0 0
CITIZENS FINL GROUP INC COM 174610105 61 1,881 SH   SOLE   0 0 1,881
CITIZENS FINL GROUP INC COM 174610105 217 6,668 SH   DFND 1 6,668 0 0
COCA COLA CO COM 191216100 579 12,349 SH   SOLE   9,752 0 2,597
COCA COLA CO COM 191216100 422 9,008 SH   DFND 1 9,008 0 0
COMCAST CORP NEW CL A 20030N101 6,380 159,592 SH   SOLE   150,717 0 8,875
COMCAST CORP NEW CL A 20030N101 1,236 30,906 SH   DFND 1 30,906 0 0
COMERICA INC COM 200340107 228 3,110 SH   SOLE   3,110 0 0
CONOCOPHILLIPS COM 20825C104 143 2,142 SH   SOLE   0 0 2,142
CONOCOPHILLIPS COM 20825C104 498 7,463 SH   DFND 1 7,463 0 0
CONSTELLATION BRANDS INC CL A 21036P108 821 4,682 SH   SOLE   4,682 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,601 6,610 SH   SOLE   6,610 0 0
CROWN HOLDINGS INC COM 228368106 276 5,066 SH   SOLE   5,066 0 0
CUMMINS INC COM 231021106 356 2,258 SH   SOLE   1,958 0 300
CUMMINS INC COM 231021106 163 1,035 SH   DFND 1 1,035 0 0
CVS HEALTH CORP COM 126650100 1,754 32,526 SH   SOLE   29,942 0 2,584
CVS HEALTH CORP COM 126650100 484 8,972 SH   DFND 1 8,972 0 0
CYPRESS SEMICONDUCTOR CORP COM 232806109 63 4,191 SH   SOLE   1,655 0 2,536
CYPRESS SEMICONDUCTOR CORP COM 232806109 131 8,793 SH   DFND 1 8,793 0 0
DEERE & CO COM 244199105 473 2,960 SH   SOLE   2,960 0 0
DISCOVER FINL SVCS COM 254709108 1,590 22,347 SH   SOLE   19,274 0 3,073
DISCOVER FINL SVCS COM 254709108 761 10,698 SH   DFND 1 10,698 0 0
DISNEY WALT CO COM DISNEY 254687106 2,685 24,180 SH   SOLE   22,341 0 1,839
DISNEY WALT CO COM DISNEY 254687106 711 6,406 SH   DFND 1 6,406 0 0
DOMINION ENERGY INC COM 25746U109 129 1,689 SH   SOLE   0 0 1,689
DOMINION ENERGY INC COM 25746U109 451 5,880 SH   DFND 1 5,880 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,146 12,736 SH   SOLE   12,736 0 0
EASTMAN CHEMICAL CO COM 277432100 54 718 SH   SOLE   0 0 718
EASTMAN CHEMICAL CO COM 277432100 189 2,489 SH   DFND 1 2,489 0 0
EATON CORP PLC SHS G29183103 929 11,537 SH   SOLE   10,484 0 1,053
EATON CORP PLC SHS G29183103 294 3,653 SH   DFND 1 3,653 0 0
EBAY INC COM 278642103 233 6,266 SH   SOLE   6,266 0 0
EMERSON ELEC CO COM 291011104 1,403 20,491 SH   SOLE   19,873 0 618
EMERSON ELEC CO COM 291011104 147 2,146 SH   DFND 1 2,146 0 0
LAUDER ESTEE COS INC CL A 518439104 569 3,435 SH   SOLE   3,435 0 0
EVERCORE INC CLASS A 29977A105 348 3,819 SH   SOLE   3,819 0 0
EXXON MOBIL CORP COM 30231G102 209 2,585 SH   SOLE   0 0 2,585
EXXON MOBIL CORP COM 30231G102 725 8,968 SH   DFND 1 8,968 0 0
FACEBOOK INC CL A 30303M102 995 5,971 SH   SOLE   5,971 0 0
F M C CORP COM NEW 302491303 266 3,469 SH   SOLE   2,999 0 470
F M C CORP COM NEW 302491303 125 1,627 SH   DFND 1 1,627 0 0
FREEPORT-MCMORAN INC CL B 35671D857 36 2,767 SH   SOLE   0 0 2,767
FREEPORT-MCMORAN INC CL B 35671D857 124 9,596 SH   DFND 1 9,596 0 0
GARMIN LTD SHS H2906T109 2,107 24,397 SH   SOLE   24,397 0 0
GATES INDUSTRIAL CORPRATIN P ORD SHS G39108108 43 2,974 SH   SOLE   579 0 2,395
GATES INDUSTRIAL CORPRATIN P ORD SHS G39108108 119 8,306 SH   DFND 1 8,306 0 0
GENERAL DYNAMICS CORP COM 369550108 394 2,327 SH   SOLE   2,005 0 322
GENERAL DYNAMICS CORP COM 369550108 188 1,108 SH   DFND 1 1,108 0 0
GENERAL MLS INC COM 370334104 489 9,441 SH   SOLE   7,624 0 1,817
GENERAL MLS INC COM 370334104 327 6,313 SH   DFND 1 6,313 0 0
GENUINE PARTS CO COM 372460105 803 7,171 SH   SOLE   7,171 0 0
GILEAD SCIENCES INC COM 375558103 835 12,850 SH   SOLE   12,850 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 68 1,365 SH   SOLE   0 0 1,365
HARTFORD FINL SVCS GROUP INC COM 416515104 241 4,840 SH   DFND 1 4,840 0 0
HEXCEL CORP NEW COM 428291108 516 7,458 SH   SOLE   6,504 0 954
HEXCEL CORP NEW COM 428291108 234 3,381 SH   DFND 1 3,381 0 0
HOME DEPOT INC COM 437076102 5,060 26,367 SH   SOLE   26,367 0 0
HUNTINGTON BANCSHARES INC COM 446150104 80 6,280 SH   SOLE   0 0 6,280
HUNTINGTON BANCSHARES INC COM 446150104 277 21,810 SH   DFND 1 21,810 0 0
HUNTINGTON INGALLS INDS INC COM 446413106 1,174 5,665 SH   SOLE   4,973 0 692
HUNTINGTON INGALLS INDS INC COM 446413106 496 2,394 SH   DFND 1 2,394 0 0
HUNTSMAN CORP COM 447011107 356 15,808 SH   SOLE   13,578 0 2,230
HUNTSMAN CORP COM 447011107 174 7,727 SH   DFND 1 7,727 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,186 8,404 SH   SOLE   8,404 0 0
INTEL CORP COM 458140100 3,588 66,823 SH   SOLE   59,741 0 7,082
INTEL CORP COM 458140100 1,324 24,662 SH   DFND 1 24,662 0 0
INTL PAPER CO COM 460146103 621 13,431 SH   SOLE   13,431 0 0
JOHNSON & JOHNSON COM 478160104 164 1,171 SH   SOLE   0 0 1,171
JOHNSON & JOHNSON COM 478160104 567 4,055 SH   DFND 1 4,055 0 0
JPMORGAN CHASE & CO COM 46625H100 4,050 40,003 SH   SOLE   33,770 0 6,233
JPMORGAN CHASE & CO COM 46625H100 2,190 21,633 SH   DFND 1 21,633 0 0
KIMBERLY CLARK CORP COM 494368103 903 7,290 SH   SOLE   7,290 0 0
KLA-TENCOR CORP COM 482480100 279 2,336 SH   SOLE   2,336 0 0
LAM RESEARCH CORP COM 512807108 737 4,117 SH   SOLE   4,117 0 0
LAS VEGAS SANDS CORP COM 517834107 1,439 23,607 SH   SOLE   21,226 0 2,381
LAS VEGAS SANDS CORP COM 517834107 505 8,279 SH   DFND 1 8,279 0 0
LINCOLN NATL CORP IND COM 534187109 688 11,717 SH   SOLE   8,542 0 3,175
LINCOLN NATL CORP IND COM 534187109 647 11,020 SH   DFND 1 11,020 0 0
LOCKHEED MARTIN CORP COM 539830109 3,507 11,683 SH   SOLE   11,349 0 334
LOCKHEED MARTIN CORP COM 539830109 345 1,149 SH   DFND 1 1,149 0 0
MARATHON OIL CORP COM 565849106 782 46,794 SH   SOLE   42,506 0 4,288
MARATHON OIL CORP COM 565849106 249 14,887 SH   DFND 1 14,887 0 0
MARATHON PETE CORP COM 56585A102 1,547 25,854 SH   SOLE   19,362 0 6,492
MARATHON PETE CORP COM 56585A102 1,349 22,540 SH   DFND 1 22,540 0 0
MASTERCARD INC CL A 57636Q104 3,626 15,401 SH   SOLE   15,401 0 0
MCDONALDS CORP COM 580135101 169 891 SH   SOLE   0 0 891
MCDONALDS CORP COM 580135101 588 3,097 SH   DFND 1 3,097 0 0
METLIFE INC COM 59156R108 1,560 36,634 SH   SOLE   34,341 0 2,293
METLIFE INC COM 59156R108 339 7,954 SH   DFND 1 7,954 0 0
MICROSOFT CORP COM 594918104 10,921 92,595 SH   SOLE   88,668 0 3,927
MICROSOFT CORP COM 594918104 1,609 13,639 SH   DFND 1 13,639 0 0
MORGAN STANLEY COM NEW 617446448 67 1,592 SH   SOLE   0 0 1,592
MORGAN STANLEY COM NEW 617446448 233 5,533 SH   DFND 1 5,533 0 0
NETFLIX INC COM 64110L106 1,173 3,290 SH   SOLE   3,290 0 0
NEXTERA ENERGY INC COM 65339F101 1,495 7,732 SH   SOLE   6,317 0 1,415
NEXTERA ENERGY INC COM 65339F101 951 4,918 SH   DFND 1 4,918 0 0
NORDSTROM INC COM 655664100 207 4,673 SH   SOLE   4,673 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,389 5,153 SH   SOLE   4,829 0 324
NORTHROP GRUMMAN CORP COM 666807102 301 1,115 SH   DFND 1 1,115 0 0
NRG ENERGY INC COM NEW 629377508 670 15,762 SH   SOLE   15,762 0 0
NUCOR CORP COM 670346105 65 1,122 SH   SOLE   0 0 1,122
NUCOR CORP COM 670346105 227 3,886 SH   DFND 1 3,886 0 0
NVIDIA CORP COM 67066G104 543 3,023 SH   SOLE   3,023 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 486 12,732 SH   SOLE   12,732 0 0
ONEOK INC NEW COM 682680103 1,439 20,601 SH   SOLE   20,601 0 0
ORACLE CORP COM 68389X105 826 15,385 SH   SOLE   13,611 0 1,774
ORACLE CORP COM 68389X105 338 6,291 SH   DFND 1 6,291 0 0
OSHKOSH CORP COM 688239201 79 1,047 SH   SOLE   389 0 658
OSHKOSH CORP COM 688239201 171 2,276 SH   DFND 1 2,276 0 0
PACKAGING CORP AMER COM 695156109 348 3,499 SH   SOLE   3,499 0 0
PARKER HANNIFIN CORP COM 701094104 369 2,153 SH   SOLE   1,920 0 233
PARKER HANNIFIN CORP COM 701094104 137 800 SH   DFND 1 800 0 0
PAYCHEX INC COM 704326107 579 7,223 SH   SOLE   7,223 0 0
PEOPLES UTD FINL INC COM 712704105 68 4,120 SH   SOLE   0 0 4,120
PEOPLES UTD FINL INC COM 712704105 235 14,296 SH   DFND 1 14,296 0 0
PFIZER INC COM 717081103 2,216 52,183 SH   SOLE   49,056 0 3,127
PFIZER INC COM 717081103 461 10,856 SH   DFND 1 10,856 0 0
PHILIP MORRIS INTL INC COM 718172109 1,966 22,246 SH   SOLE   19,676 0 2,570
PHILIP MORRIS INTL INC COM 718172109 791 8,947 SH   DFND 1 8,947 0 0
PHILLIPS 66 COM 718546104 59 619 SH   SOLE   0 0 619
PHILLIPS 66 COM 718546104 205 2,157 SH   DFND 1 2,157 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,165 9,494 SH   SOLE   9,494 0 0
PPL CORP COM 69351T106 1,005 31,667 SH   SOLE   31,667 0 0
PROGRESSIVE CORP OHIO COM 743315103 5,247 72,784 SH   SOLE   69,682 0 3,102
PROGRESSIVE CORP OHIO COM 743315103 777 10,774 SH   DFND 1 10,774 0 0
PRUDENTIAL FINL INC COM 744320102 243 2,642 SH   SOLE   0 0 2,642
PRUDENTIAL FINL INC COM 744320102 842 9,168 SH   DFND 1 9,168 0 0
RAYTHEON CO COM NEW 755111507 1,289 7,082 SH   SOLE   6,595 0 487
RAYTHEON CO COM NEW 755111507 307 1,687 SH   DFND 1 1,687 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 242 5,663 SH   SOLE   5,663 0 0
SEAGATE TECHNOLOGY PLC SHS G7945M107 309 6,451 SH   SOLE   6,451 0 0
SPIRIT AEROSYSTEMS HLDGS INC COM CL A 848574109 473 5,165 SH   SOLE   5,165 0 0
STEEL DYNAMICS INC COM 858119100 1,095 31,041 SH   SOLE   27,260 0 3,781
STEEL DYNAMICS INC COM 858119100 462 13,100 SH   DFND 1 13,100 0 0
TEXAS INSTRS INC COM 882508104 2,385 22,487 SH   SOLE   22,487 0 0
TUPPERWARE BRANDS CORP COM 899896104 259 10,118 SH   SOLE   10,118 0 0
TYSON FOODS INC CL A 902494103 75 1,081 SH   SOLE   0 0 1,081
TYSON FOODS INC CL A 902494103 267 3,839 SH   DFND 1 3,839 0 0
ULTA BEAUTY INC COM 90384S303 605 1,734 SH   SOLE   1,734 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5,607 22,677 SH   SOLE   22,677 0 0
UNITI GROUP INC COM 91325V108 94 8,359 SH   SOLE   1,082 0 7,277
UNITI GROUP INC COM 91325V108 284 25,339 SH   DFND 1 25,339 0 0
US BANCORP DEL COM NEW 902973304 1,056 21,920 SH   SOLE   17,983 0 3,937
US BANCORP DEL COM NEW 902973304 658 13,663 SH   DFND 1 13,663 0 0
VALERO ENERGY CORP NEW COM 91913Y100 1,110 13,089 SH   SOLE   11,449 0 1,640
VALERO ENERGY CORP NEW COM 91913Y100 483 5,696 SH   DFND 1 5,696 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 365 6,181 SH   SOLE   6,181 0 0
VISA INC COM CL A 92826C839 5,551 35,540 SH   SOLE   35,540 0 0
VMWARE INC CL A COM 928563402 2,763 15,308 SH   SOLE   15,308 0 0
VULCAN MATLS CO COM 929160109 303 2,557 SH   SOLE   2,162 0 395
VULCAN MATLS CO COM 929160109 162 1,368 SH   DFND 1 1,368 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,259 35,712 SH   SOLE   31,934 0 3,778
WALGREENS BOOTS ALLIANCE INC COM 931427108 849 13,411 SH   DFND 1 13,411 0 0
WEC ENERGY GROUP INC COM 92939U106 1,605 20,300 SH   SOLE   20,300 0 0
WELLCARE HEALTH PLANS INC COM 94946T106 634 2,350 SH   SOLE   2,200 0 150
WELLCARE HEALTH PLANS INC COM 94946T106 139 517 SH   DFND 1 517 0 0
WELLS FARGO CO NEW COM 949746101 963 19,935 SH   SOLE   14,453 0 5,482
WELLS FARGO CO NEW COM 949746101 920 19,034 SH   DFND 1 19,034 0 0
WYNDHAM DESTINATIONS INC COM 98310W108 554 13,687 SH   SOLE   13,687 0 0
WYNN RESORTS LTD COM 983134107 435 3,642 SH   SOLE   3,642 0 0
BHP GROUP LTD SPONSORED ADS 088606108 652 11,927 SH   SOLE   11,927 0 0
BP PLC SPONSORED ADR 055622104 655 14,974 SH   SOLE   14,974 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 718 17,216 SH   SOLE   17,216 0 0
ING GROEP N V SPONSORED ADR 456837103 819 67,453 SH   SOLE   67,453 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 2,078 32,489 SH   SOLE   32,489 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,029 18,939 SH   SOLE   18,939 0 0
WESTPAC BKG CORP SPONSORED ADR 961214301 454 24,532 SH   SOLE   24,532 0 0