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

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

FORM 13F INFORMATION TABLE

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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMGEN INC COM 031162100   4,038,564 14,204 SH   DFND 1 14,204 0 0
APPLE INC COM 037833100   4,315,038 25,164 SH   DFND 1 25,164 0 0
ARCH CAP GROUP LTD ORD G0450A105   4,054,418 43,860 SH   DFND 1 43,860 0 0
AUTOZONE INC COM 053332102   3,668,521 1,164 SH   DFND 1 1,164 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,370,881 12,772 SH   DFND 1 12,772 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   3,196,106 58,936 SH   DFND 1 58,936 0 0
CHEVRON CORP NEW COM 166764100   4,758,052 30,164 SH   DFND 1 30,164 0 0
COPART INC COM 217204106   3,622,722 62,547 SH   DFND 1 62,547 0 0
CORNING INC COM 219350105   3,194,816 96,930 SH   DFND 1 96,930 0 0
DOLLAR GEN CORP NEW COM 256677105   3,297,286 21,128 SH   DFND 1 21,128 0 0
EXXON MOBIL CORP COM 30231G102   5,422,859 46,652 SH   DFND 1 46,652 0 0
GRAINGER W W INC COM 384802104   3,958,623 3,891 SH   DFND 1 3,891 0 0
HOME DEPOT INC COM 437076102   4,936,382 12,869 SH   DFND 1 12,869 0 0
HUMANA INC COM 444859102   2,594,996 7,484 SH   DFND 1 7,484 0 0
JOHNSON & JOHNSON COM 478160104   4,733,622 29,924 SH   DFND 1 29,924 0 0
JPMORGAN CHASE & CO COM 46625H100   5,657,621 28,246 SH   DFND 1 28,246 0 0
LOCKHEED MARTIN CORP COM 539830109   3,476,387 7,643 SH   DFND 1 7,643 0 0
MARSH & MCLENNAN COS INC COM 571748102   3,881,770 18,845 SH   DFND 1 18,845 0 0
MCDONALDS CORP COM 580135101   3,654,957 12,963 SH   DFND 1 12,963 0 0
MCKESSON CORP COM 58155Q103   4,281,052 7,974 SH   DFND 1 7,974 0 0
MICROSOFT CORP COM 594918104   6,205,477 14,750 SH   DFND 1 14,750 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   3,223,638 15,420 SH   DFND 1 15,420 0 0
ORACLE CORP COM 68389X105   4,400,720 35,035 SH   DFND 1 35,035 0 0
PACCAR INC COM 693718108   4,474,227 36,115 SH   DFND 1 36,115 0 0
PHILIP MORRIS INTL INC COM 718172109   3,755,902 40,994 SH   DFND 1 40,994 0 0
PROGRESSIVE CORP COM 743315103   5,301,242 25,632 SH   DFND 1 25,632 0 0
SCHWAB CHARLES CORP COM 808513105   4,717,520 65,213 SH   DFND 1 65,213 0 0
TEXAS INSTRS INC COM 882508104   4,340,938 24,918 SH   DFND 1 24,918 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   20,664,277 42,988 SH   DFND 1 42,988 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   84,808,457 326,312 SH   DFND 1 326,312 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   10,956,836 90,560 SH   DFND 1 90,560 0 0
VISA INC COM CL A 92826C839   5,208,731 18,664 SH   DFND 1 18,664 0 0
WABTEC COM 929740108   3,724,458 25,566 SH   DFND 1 25,566 0 0
WALMART INC COM 931142103   5,317,301 88,371 SH   DFND 1 88,371 0 0
WILLIAMS COS INC COM 969457100   3,767,619 96,680 SH   DFND 1 96,680 0 0