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    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>388968</value>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>304942</value>
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      <sshPrnamt>1499</sshPrnamt>
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      <None>1499</None>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1588514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5524</sshPrnamt>
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      <None>5524</None>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>3855897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13442</sshPrnamt>
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      <None>13442</None>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>3023872</value>
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      <sshPrnamt>14519</sshPrnamt>
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      <Sole>0</Sole>
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      <None>14519</None>
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    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>US SML CP VALU</titleOfClass>
    <cusip>025072877</cusip>
    <value>569915</value>
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      <sshPrnamt>5159</sshPrnamt>
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    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>5159</None>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>1346326</value>
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      <sshPrnamt>4451</sshPrnamt>
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      <Sole>0</Sole>
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      <None>4451</None>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>217056</value>
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      <sshPrnamt>617</sshPrnamt>
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      <None>617</None>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>8697748</value>
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      <sshPrnamt>34271</sshPrnamt>
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    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>34271</None>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>599647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1754</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>1754</None>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>263688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9096</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9096</None>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1319042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27057</sshPrnamt>
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      <Sole>0</Sole>
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      <None>27057</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>2045226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4268</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>4268</None>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>247593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
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      <None>1244</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>1640742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5301</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>5301</None>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127387108</cusip>
    <value>214238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>771</None>
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    <nameOfIssuer>CAPITAL GROUP DIVIDEND GROWE</nameOfIssuer>
    <titleOfClass>SHS ETF</titleOfClass>
    <cusip>14021L109</cusip>
    <value>287200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8000</None>
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    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1383986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7586</sshPrnamt>
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      <None>7586</None>
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    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>211121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
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      <None>298</None>
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    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>939689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4542</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>4542</None>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>621410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19413</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>19413</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>363591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4686</None>
    </votingAuthority>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>292954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2583</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>2583</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>1288535</value>
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      <sshPrnamt>8590</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>8590</None>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>275961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2030</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>2030</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1425453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
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      <None>1431</None>
    </votingAuthority>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>496006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>539</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>539</None>
    </votingAuthority>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>586524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3457</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>3457</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>300432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Shared>0</Shared>
      <None>4400</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>248930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5293</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>5293</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>317449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6249</None>
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  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>275432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>971</None>
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    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>298925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>342</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>216161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>657</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>455040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1877</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <None>1877</None>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF</titleOfClass>
    <cusip>46138G649</cusip>
    <value>50643538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213128</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Shared>0</Shared>
      <None>213128</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>609152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Shared>0</Shared>
      <None>1055</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>609538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6914</sshPrnamt>
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    <cusip>464289438</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <cusip>46434V621</cusip>
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    <cusip>46435G409</cusip>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <cusip>57636Q104</cusip>
    <value>929618</value>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
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    <nameOfIssuer>UMB FINL CORP</nameOfIssuer>
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      <None>5008</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <value>432636</value>
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      <None>4474</None>
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
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      <sshPrnamt>221140</sshPrnamt>
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      <None>221140</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>13969759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>23459883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>264486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>33827451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>129152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>2415710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>591663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>990</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>788839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15793</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>21205361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>356093</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>17672535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>222941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>242158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92537N108</cusip>
    <value>203752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>813</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1075441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3558</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>715061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>456133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1985</None>
    </votingAuthority>
  </infoTable>
</informationTable>
