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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI BELG INVEST</nameOfIssuer>
    <titleOfClass>BELGIUM CAPD ETF</titleOfClass>
    <cusip>464286301</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLCSPONS ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>06738E204</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>SBI INT-FINL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ET</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15109</None>
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  <infoTable>
    <nameOfIssuer>FIRST TRUST CONSUMER STAPLES</nameOfIssuer>
    <titleOfClass>CONSUMR STAPLE</titleOfClass>
    <cusip>33734X119</cusip>
    <value>650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13499</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGST DIV SHS</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST UTILITIES ALPHAD</nameOfIssuer>
    <titleOfClass>UTILITIES ALPH</titleOfClass>
    <cusip>33734X184</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR USA MIN VOL ID</nameOfIssuer>
    <titleOfClass>USA MIN VOL ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>1160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II SENIOR L</nameOfIssuer>
    <titleOfClass>SENIOR LM PORT</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>1400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60881</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST BARCLY CNV E</nameOfIssuer>
    <titleOfClass>BRC CNV SECS ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>1420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JP MORGAN EM BOND FD</nameOfIssuer>
    <titleOfClass>JP MOR EM MK ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12945</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FST TR EXCH TRADED VII FST TR</nameOfIssuer>
    <titleOfClass>FST TR GLB FD</titleOfClass>
    <cusip>33739H101</cusip>
    <value>1760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST S&amp;P REIT INDEX F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33734G108</cusip>
    <value>1860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G7945M107</cusip>
    <value>1990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR PSHS ULTRUSS2000</nameOfIssuer>
    <titleOfClass>PSHS ULTRUSS2000</titleOfClass>
    <cusip>74347R842</cusip>
    <value>2080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR PSHS ULT MCAP400</nameOfIssuer>
    <titleOfClass>PSHS ULT MCAP400</titleOfClass>
    <cusip>74347R404</cusip>
    <value>2090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61945C103</cusip>
    <value>2250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>2270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PITNEY BOWES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724479100</cusip>
    <value>2280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>128182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTR SHS - A</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>2310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURYLINK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>156700106</cusip>
    <value>2370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81849</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS 710 YEAR</nameOfIssuer>
    <titleOfClass>7-10 Y TR BD ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>577081102</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>COM PAR $0.01</titleOfClass>
    <cusip>345370860</cusip>
    <value>2410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>191815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35906A108</cusip>
    <value>2410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>488619</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEOPLE'S UNITED FINANCIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>712704105</cusip>
    <value>2420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>165039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260543103</cusip>
    <value>2540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>2550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>2590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCACOLA CO/THE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>2600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>2600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49933</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>2610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>637071101</cusip>
    <value>2620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77977</None>
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  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>2630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NAVIENT CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>63938C108</cusip>
    <value>2630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>220437</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>2650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34910</None>
    </votingAuthority>
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    <nameOfIssuer>COACH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189754104</cusip>
    <value>2650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64977</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>H2906T109</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63706</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>983134107</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29826</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>2720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>2720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12673P105</cusip>
    <value>2730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>2730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>2750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>2760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>2760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>219612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32334</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>2780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44868</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALMART STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>2780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38029</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>2810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40759</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>2810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56826</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>2850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>71813109</cusip>
    <value>2890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172062101</cusip>
    <value>2920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39015</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>2960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15189T107</cusip>
    <value>2970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123935</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>629377508</cusip>
    <value>3020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>201652</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR CAP S/T HI YLD</nameOfIssuer>
    <titleOfClass>SHT TRM HGH YLD</titleOfClass>
    <cusip>78468R408</cusip>
    <value>3030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112330</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>3100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>847560109</cusip>
    <value>3150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86022</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>3210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26453</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>4040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARLCAYS 20+ YEAR TR</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>5360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>8230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 INDEX FUN</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>8260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>71836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BARCLAYS CAPITAL HIGH</nameOfIssuer>
    <titleOfClass>BRC HGH YLD BD</titleOfClass>
    <cusip>78464A417</cusip>
    <value>11990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>336032</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORTTERM BOND ETF</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>14110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>174017</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE TERM B</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>14470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>164294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX DOLLAR HIGH YIEL</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>14650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>172979</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD LONGTERM BOND ETF</nameOfIssuer>
    <titleOfClass>LONG TERM BOND</titleOfClass>
    <cusip>921937793</cusip>
    <value>15040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>153418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS 3 TO 7 YEAR</nameOfIssuer>
    <titleOfClass>3-7 YR TR BD ETF</titleOfClass>
    <cusip>464288661</cusip>
    <value>15390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS AGGREGATE BON</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>18880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167659</None>
    </votingAuthority>
  </infoTable>
</informationTable>
