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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   16,712,239 53,558 SH   DFND 4 0 53,558 0
AFLAC INC COM 001055102   122,309 1,100 SH   SOLE   0 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   9,821,056 83,955 SH   DFND 4 0 83,955 0
ALPHABET INC CAP STK CL A 02079K305   6,024,774 38,960 SH   DFND 4 0 38,960 0
AMAZON COM INC COM 023135106   872,152 4,584 SH   DFND 3 0 4,584 0
AMAZON COM INC COM 023135106   440,832 2,317 SH   SOLE   0 2,317 0
AMCOR PLC ORD G0250X107   113,490 11,700 SH   SOLE   0 0 0
AMERICAN TOWER CORP COM 03027X100   19,258,470 88,504 SH   DFND 4 0 88,504 0
AMERICAN TOWER CORP COM 03027X100   1,163,290 5,346 SH   SOLE   0 5,346 0
AMERICAN WTR CAP CORP NOTE 3.625% 6/1 03040WBE4   164,160 160,000 SH   DFND 3 0 0 160,000
AMPHENOL CORP CL A 032095101   7,612,507 116,062 SH   DFND 4 0 116,062 0
ANALOG DEVICES INC COM 032654105   3,928,128 19,478 SH   DFND 4 0 19,478 0
AON PLC SHS CL A G0403H108   24,561,196 61,543 SH   DFND 4 0 61,543 0
APPLE INC COM 037833100   1,079,108 4,858 SH   DFND 3 0 4,858 0
APPLE INC COM 037833100   23,029,550 103,676 SH   DFND 4 0 103,676 0
APTIV PLC COM SHS G3265R107   9,653,697 162,247 SH   DFND 4 0 0 0
ASTRAZENECA PLC SPONSORED 046353108   496,566 6,756 SH   SOLE   0 0 0
AXALTA COATING SYS LTD COM G0750C108   2,143,877 64,633 SH   DFND 4 0 64,633 0
BAIDU INC SPON ADR REP A 056752108   1,278,757 13,895 SH   DFND 4 0 0 0
BANK AMERICA CORP COM 060505104   9,633,162 230,845 SH   DFND 4 0 230,845 0
BECTON DICKINSON COM 075887109   496,144 2,166 SH   DFND 3 0 2,166 0
BECTON DICKINSON COM 075887109   20,343,277 88,812 SH   DFND 4 0 88,812 0
BERKLEY W R CORP COM 084423102   1,121,410 15,759 SH   DFND 3 0 15,759 0
BEST BUY INC COM 086516101   117,776 1,600 SH   SOLE   0 1,600 0
BOEING CO COM 097023105   1,651,095 9,681 SH   DFND 4 0 9,681 0
BOEING CO DEP CONV PFD A 097023204   670,096 11,200 SH   DFND 3 0 0 0
BOEING CO DEP CONV PFD A 097023204   3,350,360 55,998 SH   DFND 4 0 0 0
BOSTON SCIENTIFIC CORP COM 101137107   6,437,254 63,811 SH   DFND 4 0 63,811 0
BROA COMDCOM INC 11135F101   300,872 1,797 SH   SOLE   0 0 0
BROWN & BROWN INC COM 115236101   1,370,390 11,016 SH   DFND 3 0 11,016 0
BROWN FORMAN CORP CL B 115637209   115,396 3,400 SH   SOLE   0 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   10,347,409 147,378 SH   DFND 4 0 147,378 0
CENCORA INC COM 03073E105   406,568 1,462 SH   SOLE   0 0 0
CENTERPOINT ENERGY INC NOTE 4.250% 8/1 15189TBD8   292,815 270,000 SH   DFND 3 0 270,000 0
CHUBB LIMITED COM H1467J104   8,869,144 29,369 SH   DFND 4 0 29,369 0
CHURCH & DWIGHT CO INC COM 171340102   11,632,880 105,667 SH   DFND 4 0 105,667 0
CISCO SYS INC COM 17275R102   1,525,718 24,724 SH   DFND 3 0 24,724 0
CISCO SYS INC COM 17275R102   117,249 1,900 SH   SOLE   0 1,900 0
CME GROUP INC COM 12572Q105   9,587,580 36,140 SH   DFND 4 0 36,140 0
CMS ENERGY CORP COM 125896100   10,868,417 144,700 SH   DFND 4 0 144,700 0
COCA COLA CO COM 191216100   114,592 1,600 SH   SOLE   0 1,600 0
COLGATE PALMOLIVE CO COM 194162103   647,654 6,912 SH   SOLE   0 6,912 0
COMCAST CORP CL A 20030N101   18,767,266 508,598 SH   DFND 4 0 508,598 0
COMCAST CORP CL A 20030N101   243,540 6,600 SH   SOLE   0 6,600 0
CONOCOPHILLIPS COM 20825C104   8,069,107 76,834 SH   DFND 4 0 76,834 0
CREDICORP LTD COM G2519Y108   6,587,272 35,385 SH   DFND 4 0 35,385 0
DANAHER CORPORATION COM 235851102   6,594,850 32,170 SH   DFND 4 0 32,170 0
DISNEY WALT CO COM 254687106   667,409 6,762 SH   DFND 3 0 6,762 0
DISNEY WALT CO COM 254687106   5,945,885 60,242 SH   DFND 4 0 60,242 0
DUKE ENERGY CORP COM NEW 26441C204   4,143,809 33,974 SH   DFND 4 0 33,974 0
DUN & BRADSTREET HLDGS INC COM 26484T106   4,096,022 458,168 SH   DFND 4 0 458,168 0
EASTMAN CHEM CO COM 277432100   105,732 1,200 SH   SOLE   0 0 0
EATON CORP PLC SHS G29183103   10,602,185 39,003 SH   DFND 4 0 39,003 0
EATON CORP PLC SHS G29183103   446,073 1,641 SH   SOLE   0 1,641 0
ELECTRONIC ARTS INC COM 285512109   1,369,761 9,478 SH   DFND 4 0 9,478 0
EOG RES INC COM 26875P101   115,416 900 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   8,499,928 71,470 SH   DFND 4 0 71,470 0
FIDELITY NATL INFORMATION SV COM 31620M106   2,379,006 31,856 SH   DFND 3 0 31,856 0
FIDELITY NATL INFORMATION SV COM 31620M106   5,030,892 67,366 SH   DFND 4 0 67,366 0
FIRSTSERVICE CORP NEW COM 33767E202   834,894 5,031 SH   DFND 3 0 5,031 0
FISERV INC COM 337738108   15,529,207 70,322 SH   DFND 4 0 70,322 0
FRANKLIN TEMPLETON Brazil ETF 35473P835   2,610,887 158,000 SH   SOLE   0 0 158,000
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   9,078,000 425,000 SH   SOLE   0 0 425,000
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA ETF 35473P769   4,703,031 127,661 SH   SOLE   0 0 127,661
GALLAGHER ARTHUR J & CO COM 363576109   340,752 987 SH   DFND 3 0 0 0
GARTNER INC COM 366651107   5,017,992 11,955 SH   DFND 4 0 11,955 0
GENERAL DYNAMICS CORP COM 369550108   2,888,803 10,598 SH   DFND 4 0 10,598 0
GENERAL MLS INC COM 370334104   113,601 1,900 SH   SOLE   0 0 0
GENUINE PARTS CO COM 372460105   119,140 1,000 SH   SOLE   0 1,000 0
GILEAD SCIENCES INC COM 375558103   112,050 1,000 SH   SOLE   0 1,000 0
GLOBAL BLUE GROUP HOLDING AG ORD SHS H33700107   59,498 8,084 SH   DFND 3 0 8,084 0
GLOBAL PMTS INC NOTE 1.500% 3/0 37940XAU6   184,665 195,000 SH   DFND 1 0 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   9,002,859 16,480 SH   DFND 4 0 16,480 0
GRACO INC COM 384109104   3,610,304 43,232 SH   DFND 4 0 43,232 0
HDFC BANK LTD SPONSORED ADS 40415F101   12,556,828 188,995 SH   DFND 4 0 188,995 0
HERSHEY CO COM 427866108   119,721 700 SH   SOLE   0 700 0
HESS CORP COM 42809H107   9,388,770 58,779 SH   DFND 4 0 58,779 0
HEWLETT PACKARD ENTERPRISE C 7.625 MAND CONV 42824C208   169,477 3,550 SH   DFND 3 0 3,550 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   6,015,057 26,434 SH   DFND 4 0 26,434 0
HONEYWELL INTL INC COM 438516106   3,667,934 17,322 SH   DFND 4 0 17,322 0
HONEYWELL INTL INC COM 438516106   127,050 600 SH   SOLE   0 600 0
HOWMET AEROSPACE INC COM 443201108   342,357 2,639 SH   SOLE   0 2,639 0
HUBBELL INC COM 443510607   6,340,897 19,162 SH   DFND 4 0 19,162 0
ICON PLC SHS G4705A100   6,705,266 38,318 SH   DFND 4 0 38,318 0
ILLINOIS TOOL WKS INC COM 452308109   124,005 500 SH   SOLE   0 0 0
INTEL CORP COM 458140100   3,261,769 143,627 SH   DFND 4 0 143,627 0
INTERNATIONAL BUSINESS MACHS COM 459200101   124,330 500 SH   SOLE   0 500 0
INTERPUBLIC GROUP COS INC COM 460690100   807,032 29,714 SH   DFND 4 0 29,714 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   11,398,534 65,800 SH   SOLE   0 0 65,800
INVESCO QQQ TR UNIT SER 1 46090E103   34,582,850 73,750 SH   SOLE   0 0 73,750
ISHARES INC CORE MSCI EMKT 46434G103   95,329,802 1,766,348 SH   SOLE   0 0 1,766,348
ISHARES INC MSCI CHILE ETF 464286640   1,341,900 45,000 SH   SOLE   0 0 0
ISHARES INC MSCI EURZONE ETF 464286608   10,650,000 200,000 SH   SOLE   0 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   4,449,544 64,900 SH   SOLE   0 0 0
ISHARES INC MSCI STH KOR ETF 464286772   3,512,600 65,000 SH   SOLE   0 0 65,000
ISHARES INC MSCI TAIWAN ETF 46434G772   2,374,000 50,000 SH   SOLE   0 0 50,000
ISHARES TR 0-5YR INVT GR CP 46434V100   12,856,596 255,700 SH   SOLE   0 0 255,700
ISHARES TR CHINA LG-CAP ETF 464287184   6,630,400 185,000 SH   SOLE   0 0 185,000
ISHARES TR CORE DIV GRWTH 46434V621   16,606,464 268,800 SH   SOLE   0 0 268,800
ISHARES TR CORE MSCI EAFE 46432F842   68,474,824 905,153 SH   SOLE   0 0 905,153
ISHARES TR CORE MSCI EMKT 46429B598   2,007,720 39,000 SH   SOLE   0 0 39,000
ISHARES TR CORE S&P500 ETF 464287200   25,735,020 45,800 SH   SOLE   0 0 45,800
ISHARES TR EAFE SML CP ETF 464288273   55,715,810 877,000 SH   SOLE   0 0 877,000
ISHARES TR IBOXX INV CP ETF 464287242   9,532,113 87,700 SH   SOLE   0 0 87,700
ISHARES TR MSCI EMG MKT ETF 464287234   20,648,250 472,500 SH   SOLE   0 0 472,500
ISHARES TR MSCI POLAND ETF 46429B606   1,540,550 55,000 SH   SOLE   0 0 0
ISHARES TR MSCI USA MMENTM 46432F396   1,920,235 9,500 SH   SOLE   0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   65,909,300 710,000 SH   SOLE   0 0 0
ISHARES TR 3 7 YR TREAS BD ETF 464288661   7,229,862 61,200 SH   SOLE   0 0 61,200
ISHARES TR 7-10 YR TRSY BD ETF 464287440   61,871,288 648,750 SH   SOLE   0 0 648,750
JOHNSON & JOHNSON COM 478160104   10,759,865 64,881 SH   DFND 4 0 64,881 0
JOHNSON & JOHNSON COM 478160104   116,088 700 SH   SOLE   0 700 0
JOHNSON CTLS INTL PLC SHS G51502105   9,861,381 123,098 SH   DFND 4 0 123,098 0
JPMORGAN CHASE & CO COM 46625H100   7,283,693 29,693 SH   DFND 4 0 29,693 0
KENVUE INC COM 49177J102   9,762,042 407,091 SH   DFND 4 0 407,091 0
L3HARRIS TECHNOLOGIES COM 502431109   3,177,535 15,181 SH   DFND 4 0 15,181 0
LAMB WESTON HLDGS INC COM 513272104   122,590 2,300 SH   SOLE   0 0 0
LAUDER ESTEE COS INC CL A 518439104   5,367,516 81,326 SH   DFND 4 0 81,326 0
LEAR CORP COM NEW 521865204   3,734,176 42,328 SH   DFND 4 0 42,328 0
LINDE PLC SHS G54950103   1,170,619 2,514 SH   DFND 3 0 2,514 0
LKQ CORP COM 501889208   4,913,583 115,505 SH   DFND 4 0 115,505 0
LPL FINL HLDGS INC COM 50212V100   410,234 1,254 SH   DFND 3 0 1,254 0
LYONDELLBASELL INDUSTRIES N CL A N53745100   112,640 1,600 SH   SOLE   0 1,600 0
MARRIOTT VACATIONS WORLDWIDE 3.250%12/1 57164YAF4   102,025 110,000 SH   DFND 3 0 110,000 0
MARSH & MCLENNAN COS INC COM 571748102   5,291,791 21,685 SH   DFND 4 0 21,685 0
MASCO CORP COM 574599106   7,387,791 106,238 SH   DFND 4 0 106,238 0
MASTERCARD INCORPORATED CL A 57636Q104   4,747,815 8,662 SH   DFND 4 0 8,662 0
MCCORMICK & CO INC COM NON VTG 579780206   6,605,295 80,249 SH   DFND 4 0 0 80,249
MCCORMICK & CO INC COM NON VTG 579780206   115,234 1,400 SH   SOLE   0 0 1,400
MEDTRONIC PLC SHS G5960L103   11,996,220 133,499 SH   DFND 4 0 133,499 0
MERCK & CO INC COM 58933Y105   107,712 1,200 SH   SOLE   0 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105   6,343,849 5,372 SH   DFND 4 0 5,372 0
MICROCHIP TECHNOLOGY INC. COM 595017104   106,502 2,200 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   849,508 2,263 SH   DFND 3 0 2,263 0
MICROSOFT CORP COM 594918104   37,698,165 100,424 SH   DFND 4 0 100,424 0
MICROSOFT CORP COM 594918104   691,093 1,841 SH   SOLE   0 1,841 0
MONDELEZ INTL INC CL A 609207105   115,345 1,700 SH   SOLE   0 0 0
MOODYS CORP COM 615369105   6,659,367 14,300 SH   DFND 4 0 14,300 0
NEXTERA ENERGY INC UNIT 11/01/2027 65339F119   505,605 11,100 SH   DFND 3 0 0 0
NIKE INC CL B 654106103   6,870,631 108,233 SH   DFND 4 0 108,233 0
NORTHERN TR CORP COM 665859104   8,021,133 81,309 SH   DFND 4 0 81,309 0
NVIDIA CORPORATION COM 67066G104   10,816,216 99,799 SH   DFND 4 0 99,799 0
NXP SEMICONDUCTORS N V COM N6596X109   6,112,520 32,161 SH   DFND 4 0 32,161 0
OMNICOM GROUP INC COM 681919106   6,615,555 79,792 SH   DFND 4 0 79,792 0
OTIS WORLDWIDE CORP COM 68902V107   5,978,686 57,933 SH   DFND 4 0 57,933 0
PAYCHEX INC COM 704326107   123,424 800 SH   SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103   837,353 12,833 SH   DFND 3 0 0 0
PEPSICO INC COM 713448108   15,516,092 103,482 SH   DFND 4 0 103,482 0
PEPSICO INC COM 713448108   239,904 1,600 SH   SOLE   0 1,600 0
PFIZER INC COM 717081103   9,464,414 373,497 SH   DFND 4 0 373,497 0
PG&E CORP COM 69331C108   5,883,480 342,461 SH   DFND 4 0 342,461 0
PNC FINL SVCS GROUP INC COM 693475105   2,371,840 13,494 SH   DFND 4 0 13,494 0
POOL CORP COM 73278L105   3,515,857 11,044 SH   DFND 4 0 0 0
PPG INDS INC COM 693506107   5,181,550 47,385 SH   DFND 4 0 47,385 0
PPG INDS INC COM 693506107   109,350 1,000 SH   SOLE   0 1,000 0
PRICE T ROWE GROUP INC COM 74144T108   110,244 1,200 SH   SOLE   0 1,200 0
PROCTER AND GAMBLE CO COM 742718109   119,294 700 SH   SOLE   0 0 0
REGAL REXNORD CORPORATION COM 758750103   2,654,071 23,312 SH   DFND 4 0 23,312 0
RELX PLC SPONSORED 759530108   759,376 15,064 SH   SOLE   0 0 0
ROSS STORES INC COM 778296103   5,068,918 39,666 SH   DFND 4 0 39,666 0
SALESFORCE INC COM 79466L302   10,037,469 37,403 SH   DFND 4 0 37,403 0
SAP SE SPON ADR 803054204   429,772 1,601 SH   SOLE   0 0 0
SCHWAB CHARLES CORP COM 808513105   20,884,008 266,786 SH   DFND 4 0 266,786 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,490,500 50,000 SH   SOLE   0 0 0
SHERWIN WILLIAMS CO COM COM 824348106   5,415,239 15,508 SH   DFND 4 0 15,508 0
SNAP ON INC COM 833034101   101,103 300 SH   SOLE   0 300 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   115,349,574 206,206 SH   SOLE   206,206 0 0
STANLEY BLACK & DECKER INC COM 854502101   1,718,960 22,359 SH   DFND 4 0 22,359 0
STARBUCKS CORP COM 855244109   2,064,402 21,046 SH   DFND 4 0 21,046 0
STERIS PLC SHS USD G8473T100   11,444,012 50,492 SH   DFND 4 0 50,492 0
STRYKER CORPORATION COM 863667101   7,395,864 19,868 SH   DFND 4 0 19,868 0
STRYKER CORPORATION COM 863667101   654,416 1,758 SH   SOLE   0 1,758 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   30,351,108 182,838 SH   DFND 4 0 0 182,838
TARGET CORP COM 87612E106   104,360 1,000 SH   SOLE   0 0 0
TE CONNECTIVITY PLC ORD SHS G87052109   4,907,478 34,726 SH   DFND 4 0 34,726 0
TEXAS INSTRS INC COM 882508104   5,518,946 30,712 SH   DFND 4 0 30,712 0
TEXAS INSTRS INC COM 882508104   251,580 1,400 SH   SOLE   0 1,400 0
THE CIGNA GROUP COM 125523100   10,194,065 30,985 SH   DFND 4 0 30,985 0
THERMO FISHER SCIENTIFIC COM 883556102   2,546,716 5,118 SH   DFND 3 0 5,118 0
THERMO FISHER SCIENTIFIC COM 883556102   6,599,172 13,262 SH   DFND 4 0 13,262 0
THOMSON REUTERS CORP. COM 884903808   472,381 2,734 SH   DFND 3 0 2,734 0
TJX COS INC COM 872540109   4,919,624 40,391 SH   DFND 4 0 40,391 0
TJX COS INC COM 872540109   390,978 3,210 SH   SOLE   0 3,210 0
T-MOBILE US INC COM 872590104   2,628,160 9,854 SH   DFND 4 0 9,854 0
TRANSUNION COM 89400J107   17,866,918 215,290 SH   DFND 4 0 215,290 0
TRANSUNION COM 89400J107   725,498 8,742 SH   SOLE   0 8,742 0
TRAVELERS COMPANIES INC COM 89417E109   1,498,166 5,665 SH   DFND 4 0 5,665 0
UBER TECHNOLOGIES INC NOTE 0.875%12/0 90353TAM2   245,622 201,000 SH   DFND 3 0 0 0
UNION PAC CORP COM 907818108   5,659,838 23,958 SH   DFND 4 0 23,958 0
UNION PAC CORP COM 907818108   118,120 500 SH   SOLE   0 500 0
UNITED PARCEL SERVICE INC CL B 911312106   109,990 1,000 SH   SOLE   0 1,000 0
UNITEDHEALTH GROUP INC COM 91324P102   424,761 811 SH   SOLE   0 811 0
VANGUARD INDEX FDS GROWTH ETF 922908736   37,082 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS SMALL CP ETF 922908751   59,695,100 269,200 SH   SOLE   0 0 269,200
VEEVA SYS INC CL A COM 922475108   2,471,492 10,670 SH   DFND 4 0 10,670 0
VISA INC COM CL A 92826C839   19,087,804 54,465 SH   DFND 4 0 54,465 0
WASTE CONNECTIONS INC COM 94106B101   1,585,919 8,125 SH   DFND 3 0 8,125 0
WELLS FARGO CO NEW COM 949746101   2,626,509 36,586 SH   DFND 4 0 36,586 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   7,800,224 23,081 SH   DFND 4 0 23,081 0
ZOETIS INC CL A 98978V103   487,199 2,959 SH   SOLE   0 2,959 0