<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
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       <nameOfIssuer>American Eagle Outfitters, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>02553e106</cusip>
       <value>141</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9081</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>141</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Beacon Roofing Supply, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>073685109</cusip>
       <value>192</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4653</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>192</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CDW Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>12514g108</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>4</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CalAtlantic Group, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>128195104</cusip>
       <value>117</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3081</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>117</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Carter&apos;s, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>146229109</cusip>
       <value>192</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2155</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>192</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Comcast Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>20030n101</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>Costco Wholesale Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>22160K105</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Expedia, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>30212p303</cusip>
       <value>6884</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55379</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6884</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Fomento Economico Mexicano, S.A.B de C.V</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>344419106</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>78</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Ford Motor Co.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>345370860</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>14</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Home Depot</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>437076102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Lithia Motors, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>536797103</cusip>
       <value>263</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2470</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>263</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Lowe&apos;s Companies, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>548661107</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>M D C Holdings Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>552676108</cusip>
       <value>6264</value>
       <shrsOrPrnAmt>
           <sshPrnamt>245353</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6264</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>McDonalds Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>580135101</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Meritage Homes Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>59001A102</cusip>
       <value>115</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3396</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>115</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Middleby Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>596278101</cusip>
       <value>7007</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64960</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7007</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Nike, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>654106103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Panera Bread Company</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>69840W108</cusip>
       <value>8588</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44092</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8588</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Papa John&apos;s International Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>698813102</cusip>
       <value>5087</value>
       <shrsOrPrnAmt>
           <sshPrnamt>91047</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5087</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Restoration Hardware Holdings, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>761283100</cusip>
       <value>6501</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81825</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6501</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Ryman Hospitality Properties, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78377t107</cusip>
       <value>173</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3355</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>173</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Starbucks Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>855244109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Target Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>87612E106</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Tesla Motors, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>88160R101</cusip>
       <value>7531</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31376</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7531</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Texas Roadhouse, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>882681109</cusip>
       <value>127</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3555</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>127</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>The Cheesecake Factory Incorporated</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>163072101</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>425</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>20</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>The TJX Companies, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>872540109</cusip>
       <value>8148</value>
       <shrsOrPrnAmt>
           <sshPrnamt>114913</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8148</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Time Warner Cable, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>88732j207</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Walgreens Boots Alliance, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>931427108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Walt Disney Company</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>254687106</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>218</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>23</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Altria Group, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>02209S103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Anheuser-Busch InBev SA/NV</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>03524a108</cusip>
       <value>9731</value>
       <shrsOrPrnAmt>
           <sshPrnamt>77848</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>9731</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>126650100</cusip>
       <value>10832</value>
       <shrsOrPrnAmt>
           <sshPrnamt>110792</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10832</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Coca Cola Company</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>191216100</cusip>
       <value>8279</value>
       <shrsOrPrnAmt>
           <sshPrnamt>192720</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8279</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Colgate-Palmolive Company</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>194162103</cusip>
       <value>107</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>107</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Diamond Foods, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>252603105</cusip>
       <value>288</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7480</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>288</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>General Mills, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>370334104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Ingredion Incorporated</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>457187102</cusip>
       <value>10145</value>
       <shrsOrPrnAmt>
           <sshPrnamt>105857</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10145</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>J&amp;J Snack Foods Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>466032109</cusip>
       <value>268</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2298</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>268</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Kimberly-Clark Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>494368103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>McCormick &amp; Company, Incorporated</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
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       <value>7787</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>7787</Sole>
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           <None>0</None>
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       <nameOfIssuer>Mondelez International, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>609207105</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>2</Sole>
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           <None>0</None>
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       <nameOfIssuer>Nature&apos;s Sunshine Products Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>639027101</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1072</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>Pepsico, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>713448108</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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       <nameOfIssuer>Philip Morris International, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>718172109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>Reynolds American, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
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       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
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       <votingAuthority>
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       <value>7046</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57128</sshPrnamt>
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       <votingAuthority>
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       <titleOfClass>com</titleOfClass>
       <cusip>913456109</cusip>
       <value>150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2670</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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       <nameOfIssuer>Vector Group Ltd.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>92240m108</cusip>
       <value>280</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11871</sshPrnamt>
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       <votingAuthority>
           <Sole>280</Sole>
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           <None>0</None>
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       <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>30231g102</cusip>
       <value>102</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1312</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>NextEra Energy, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>65339f101</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>Phillips 66</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>718546104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>American Campus Communities, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>024835100</cusip>
       <value>228</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5516</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <titleOfClass>com</titleOfClass>
       <cusip>026874784</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33</sshPrnamt>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>Aon Plc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>G0408V102</cusip>
       <value>5952</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64547</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>Avalonbay Communities, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>053484101</cusip>
       <value>8536</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46361</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>8536</Sole>
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           <None>0</None>
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       <nameOfIssuer>Bank of America Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>060505104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>123</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>BankUnited, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>06652K103</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>185877</sshPrnamt>
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       <nameOfIssuer>Berkshire Hathaway, Inc. Class B</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>084670702</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>Berkshire Hills Bancorp, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>084680107</cusip>
       <value>196</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <titleOfClass>com</titleOfClass>
       <cusip>112585104</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <titleOfClass>com</titleOfClass>
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       <value>210</value>
       <shrsOrPrnAmt>
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       <nameOfIssuer>Capital One Financial Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>14040H105</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
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       <titleOfClass>com</titleOfClass>
       <cusip>808513105</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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       <nameOfIssuer>Citigroup, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>172967424</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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       <titleOfClass>com</titleOfClass>
       <cusip>294429105</cusip>
       <value>257</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2305</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>257</Sole>
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           <None>0</None>
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       <nameOfIssuer>Equity Residential</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>29476l107</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>129406</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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       <nameOfIssuer>First Horizon National Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>320517105</cusip>
       <value>206</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14167</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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       <titleOfClass>com</titleOfClass>
       <cusip>38141G104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <titleOfClass>com</titleOfClass>
       <cusip>433323102</cusip>
       <value>60</value>
       <shrsOrPrnAmt>
           <sshPrnamt>500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
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           <None>0</None>
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       <nameOfIssuer>J.P. Morgan Chase &amp; Co.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>46625H100</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MasterCard, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>57636q104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MetLife, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>59156R108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>2</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Moody&apos;s Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>615369105</cusip>
       <value>12014</value>
       <shrsOrPrnAmt>
           <sshPrnamt>119730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>12014</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>PNC Financial Services Group, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>693475105</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Post Properties, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>737464107</cusip>
       <value>192</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3250</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>192</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Provident Financial Services, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>74386T105</cusip>
       <value>203</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10061</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>203</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Prudential Financial, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>744320102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Pulaski Financial Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>745548107</cusip>
       <value>268</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16790</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>268</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>Simon Property Group, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>828806109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
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       <nameOfIssuer>Korn/Ferry International</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>500643200</cusip>
       <value>182</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5474</sshPrnamt>
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       <nameOfIssuer>Kyocera Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>501556203</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>155</sshPrnamt>
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       <nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>539830109</cusip>
       <value>2</value>
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           <sshPrnamt>9</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
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       <titleOfClass>com</titleOfClass>
       <cusip>097023105</cusip>
       <value>2</value>
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           <sshPrnamt>14</sshPrnamt>
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       <nameOfIssuer>Thermo Fisher Scientific, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>883556102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16</sshPrnamt>
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       <votingAuthority>
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       <nameOfIssuer>Accenture Plc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>g1151c101</cusip>
       <value>2</value>
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           <sshPrnamt>19</sshPrnamt>
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       <nameOfIssuer>Adobe Systems, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>00724F101</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23</sshPrnamt>
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       <nameOfIssuer>Alphabet, Inc. Class A</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>02079k305</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3</sshPrnamt>
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       <nameOfIssuer>Amazon.com, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>023135106</cusip>
       <value>3</value>
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           <sshPrnamt>4</sshPrnamt>
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       <nameOfIssuer>Ansys, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>03662q105</cusip>
       <value>7379</value>
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           <sshPrnamt>79773</sshPrnamt>
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       <nameOfIssuer>Apple, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>037833100</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17</sshPrnamt>
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       <nameOfIssuer>Aspen Technology, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>045327103</cusip>
       <value>183</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4841</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>09227Q100</cusip>
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           <sshPrnamt>3362</sshPrnamt>
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       <nameOfIssuer>Broadcom Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>111320107</cusip>
       <value>10908</value>
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           <sshPrnamt>188657</sshPrnamt>
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       <nameOfIssuer>Cadence Design Systems, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>127387108</cusip>
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       <titleOfClass>com</titleOfClass>
       <cusip>m22465104</cusip>
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       <nameOfIssuer>Cisco Systems, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>17275R102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>192446102</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>268648102</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1200</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>278642103</cusip>
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       <nameOfIssuer>Facebook, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>30303m102</cusip>
       <value>10067</value>
       <shrsOrPrnAmt>
           <sshPrnamt>96185</sshPrnamt>
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       <nameOfIssuer>Guidewire Software, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>40171V100</cusip>
       <value>215</value>
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           <sshPrnamt>3572</sshPrnamt>
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       <nameOfIssuer>Intel Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>458140100</cusip>
       <value>2</value>
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           <sshPrnamt>58</sshPrnamt>
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       <nameOfIssuer>MSCI, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>55354G100</cusip>
       <value>244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3381</sshPrnamt>
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       <nameOfIssuer>Mentor Graphics Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>587200106</cusip>
       <value>138</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7485</sshPrnamt>
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       <nameOfIssuer>MicroStrategy, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>594972408</cusip>
       <value>199</value>
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           <sshPrnamt>1109</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>594918104</cusip>
       <value>2</value>
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           <sshPrnamt>42</sshPrnamt>
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       <nameOfIssuer>N C R Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>62886e108</cusip>
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       <titleOfClass>com</titleOfClass>
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           <sshPrnamt>63</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
       <cusip>64110l106</cusip>
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       <titleOfClass>com</titleOfClass>
       <cusip>697435105</cusip>
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       <titleOfClass>com</titleOfClass>
       <cusip>756577102</cusip>
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       <titleOfClass>com</titleOfClass>
       <cusip>803054204</cusip>
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       <titleOfClass>com</titleOfClass>
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           <sshPrnamt>25</sshPrnamt>
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       <nameOfIssuer>ServiceNow, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81762P102</cusip>
       <value>7125</value>
       <shrsOrPrnAmt>
           <sshPrnamt>82318</sshPrnamt>
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       <nameOfIssuer>Teradata Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>88076w103</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>354</sshPrnamt>
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       <nameOfIssuer>Texas Instruments, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>882508104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
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       <titleOfClass>com</titleOfClass>
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           <sshPrnamt>2</sshPrnamt>
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       <votingAuthority>
           <Sole>3</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Visa, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>92826C839</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Ashland Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>044209104</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>E. I. du Pont de Nemours and Company</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>263534109</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>International Flavors &amp; Fragrances, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>459506101</cusip>
       <value>10663</value>
       <shrsOrPrnAmt>
           <sshPrnamt>89127</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10663</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Sealed Air Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81211k100</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Sensient Technologies Corporation</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81725T100</cusip>
       <value>242</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3857</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>242</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>A T &amp; T, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>00206r102</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>368</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>13</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Alcatel-Lucent</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>013904305</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>403</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Avista Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>05379b107</cusip>
       <value>249</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7046</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>249</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CMS Energy Corp.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>125896100</cusip>
       <value>8369</value>
       <shrsOrPrnAmt>
           <sshPrnamt>231946</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8369</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Nisource, Inc.</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>65473p105</cusip>
       <value>8373</value>
       <shrsOrPrnAmt>
           <sshPrnamt>429151</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8373</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Consumer Discret Sel Sect SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y407</cusip>
       <value>200</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2562</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Consumer Staples Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y308</cusip>
       <value>889</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17607</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>889</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Direxion Daily S&amp;P500A Bull 3X Shares</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>25459w862</cusip>
       <value>41</value>
       <shrsOrPrnAmt>
           <sshPrnamt>500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>41</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Energy Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y506</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>409</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>25</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Financial Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>60</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2498</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Health Care Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y209</cusip>
       <value>500</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6935</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>500</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Industrial Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y704</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>358</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>19</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Materials Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y100</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>240</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PowerShares QQQ Trust, Series 1</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>73935A104</cusip>
       <value>5705</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5705</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ProShares Short S&amp;P500</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>74347r503</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78462F103</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>14</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P Bank ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78464a797</cusip>
       <value>1464</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43292</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1464</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P Homebuilders</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78464A888</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>767</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>26</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2407</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>611</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P Regional Banking ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>78464a698</cusip>
       <value>295</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7036</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>295</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Schwab U.S. Large Cap Blend</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>808524201</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>674</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>33</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Technology Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>768</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17921</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>768</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>United States Oil ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>91232n108</cusip>
       <value>59</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5335</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>59</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>Utilities Select Sector SPDR ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>81369y886</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>346</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>15</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Austria Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286202</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1479</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>23</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Belgium Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286301</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1809</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>33</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Denmark Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>46429b523</cusip>
       <value>492</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8809</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>492</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Emerging Markets</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464287234</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>574</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>18</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Germany</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286806</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1152</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>30</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Ireland Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>46429b507</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>783</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>33</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Israel Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286632</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>604</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>30</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Japan</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286848</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2567</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>31</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Netherlands</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286814</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1257</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>30</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares MSCI Switzerland Capped</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464286749</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>963</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>30</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>iShares Trust - iShares MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>com</titleOfClass>
       <cusip>464287465</cusip>
       <value>137</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2333</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>137</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
</informationTable>
