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		<ns1:nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</ns1:nameOfIssuer>
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		<ns1:nameOfIssuer>S&amp;P500 Catholic Values ETF</ns1:nameOfIssuer>
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		<ns1:nameOfIssuer>Schwab International Equity ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>808524805</ns1:cusip>
		<ns1:value>93028</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>2262348</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>2262348</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>SCHWAB SHORT-TERM US TREASURY ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>808524862</ns1:cusip>
		<ns1:value>18929</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>386462</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>386462</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>SCHWAB U.S. LARGE-CAP ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>808524201</ns1:cusip>
		<ns1:value>68502</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>1009613</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>1009613</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>Schwab U.S. Large-Cap Growth ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>808524300</ns1:cusip>
		<ns1:value>322381</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>3094739</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>3094739</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>SCHWAB US TIPS ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>808524870</ns1:cusip>
		<ns1:value>36830</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>686735</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>686735</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>SPDR PORTFOLIO S&amp;P 600 SMALL CAP ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>78468R853</ns1:cusip>
		<ns1:value>2022</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>44419</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>44419</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>78462F103</ns1:cusip>
		<ns1:value>5908</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>10297</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>10297</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
	<ns1:infoTable>
		<ns1:nameOfIssuer>VANGUARD REAL ESTATE ETF</ns1:nameOfIssuer>
		<ns1:titleOfClass>ETF</ns1:titleOfClass>
		<ns1:cusip>922908553</ns1:cusip>
		<ns1:value>1586</ns1:value>
		<ns1:shrsOrPrnAmt>
			<ns1:sshPrnamt>16279</ns1:sshPrnamt>
			<ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
		</ns1:shrsOrPrnAmt>
		<ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>
		<ns1:otherManager>0</ns1:otherManager>
		<ns1:votingAuthority>
			<ns1:Sole>16279</ns1:Sole>
			<ns1:Shared>0</ns1:Shared>
			<ns1:None>0</ns1:None>
		</ns1:votingAuthority>
	</ns1:infoTable>
</ns1:informationTable>
