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        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
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        <DistributableBeforeDedAmt>1209694</DistributableBeforeDedAmt>
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        <DistributableAsAdjustedAmt>1209694</DistributableAsAdjustedAmt>
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        <CharitableAssetsAcquisPaidAmt>0</CharitableAssetsAcquisPaidAmt>
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        <UndistributedIncomePYAmt>983840</UndistributedIncomePYAmt>
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        <Taxable2Amt>0</Taxable2Amt>
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        <ExcessFromYear3Amt>0</ExcessFromYear3Amt>
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        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
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          <RecipientBusinessName>
            <BusinessNameLine1Txt>SPCA OF SOUTHWEST MICHIGAN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>6955 W KI AVE</AddressLine1Txt>
            <CityNm>KALAMAZOO</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49009</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
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          </RecipientBusinessName>
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            <CityNm>CHICAGO</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60622</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SAUGATUCK CENTER FOR THE ARTS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>400 CULVER ST</AddressLine1Txt>
            <CityNm>SAUGATUK</CityNm>
            <StateAbbreviationCd>MI</StateAbbreviationCd>
            <ZIPCd>49453</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>HOWARD BROWN HEALTH</BusinessNameLine1Txt>
            <BusinessNameLine2Txt>CENTER</BusinessNameLine2Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>4025 N SHERIDAN</AddressLine1Txt>
            <CityNm>CHICAGO</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
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          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>EL DORADO FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
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            <CityNm>PLACERVILLE</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>95667</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>100000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ILLINOIS SAINT ANDREW SOCIETY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
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            <CityNm>Riverside</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60456</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>250000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>KNOX COLLEGE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
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            <CityNm>GALESBURG</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>61401</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>80000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>UNITED WAY OF METROPOLITAN CHICAGO</BusinessNameLine1Txt>
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          <RecipientUSAddress>
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            <CityNm>CHICAGO</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60604</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>55000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NORTHWESTERN MEMORIAL</BusinessNameLine1Txt>
            <BusinessNameLine2Txt>FOUNDATION</BusinessNameLine2Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>201 E HURON ST</AddressLine1Txt>
            <CityNm>CHICAGO</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60611</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>100000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NORTH SHORE COUNTRY DAY SCHOOL</BusinessNameLine1Txt>
          </RecipientBusinessName>
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            <CityNm>Winnetka</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ERIKA'S LIGHTHOUSE</BusinessNameLine1Txt>
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            <StateAbbreviationCd>IL</StateAbbreviationCd>
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        <NetRntlIncmReNotDebtFincdProp />
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          <Desc>MFO DFA INTL SMALL</Desc>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>96820</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C654106103 NIKE INC CL B</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C665859104 NORTHERN TR CORP CO</StockNm>
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        <EOYFMVAmt>447378</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C67066G104 NVIDIA CORP COM</StockNm>
        <EOYBookValueAmt>67637</EOYBookValueAmt>
        <EOYFMVAmt>1666343</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C68389X105 ORACLE CORP COM</StockNm>
        <EOYBookValueAmt>114932</EOYBookValueAmt>
        <EOYFMVAmt>447392</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C697435105 PALO ALTO NETWORKS</StockNm>
        <EOYBookValueAmt>96142</EOYBookValueAmt>
        <EOYFMVAmt>144703</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C701094104 PARKER-HANNIFIN COR</StockNm>
        <EOYBookValueAmt>72006</EOYBookValueAmt>
        <EOYFMVAmt>951285</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C713448108 PEPSICO INC COM</StockNm>
        <EOYBookValueAmt>160640</EOYBookValueAmt>
        <EOYFMVAmt>480858</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C717081103 PFIZER INC COM</StockNm>
        <EOYBookValueAmt>184643</EOYBookValueAmt>
        <EOYFMVAmt>139370</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C747525103 QUALCOMM INC COM</StockNm>
        <EOYBookValueAmt>84355</EOYBookValueAmt>
        <EOYFMVAmt>230415</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C79466L302 SALESFORCE INC COM</StockNm>
        <EOYBookValueAmt>91710</EOYBookValueAmt>
        <EOYFMVAmt>268360</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C808513105 SCHWAB CHARLES CORP</StockNm>
        <EOYBookValueAmt>190586</EOYBookValueAmt>
        <EOYFMVAmt>269048</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C855244109 STARBUCKS CORP COM</StockNm>
        <EOYBookValueAmt>106500</EOYBookValueAmt>
        <EOYFMVAmt>196180</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C872540109 TJX COS INC COM NEW</StockNm>
        <EOYBookValueAmt>66959</EOYBookValueAmt>
        <EOYFMVAmt>426300</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C89417E109 TRAVELERS COS INC C</StockNm>
        <EOYBookValueAmt>111562</EOYBookValueAmt>
        <EOYFMVAmt>264460</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>C89832Q109 TRUIST FINL CORP CO</StockNm>
        <EOYBookValueAmt>153387</EOYBookValueAmt>
        <EOYFMVAmt>147934</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C91324P102 UNITEDHEALTH GROUP</StockNm>
        <EOYBookValueAmt>29833</EOYBookValueAmt>
        <EOYFMVAmt>350913</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C988498101 YUM BRANDS INC COM</StockNm>
        <EOYBookValueAmt>36239</EOYBookValueAmt>
        <EOYFMVAmt>147446</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CG29183103 EATON CORP PLC COM</StockNm>
        <EOYBookValueAmt>82778</EOYBookValueAmt>
        <EOYFMVAmt>612977</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C665130209 MFB NORTHERN EQUITY</StockNm>
        <EOYBookValueAmt>225000</EOYBookValueAmt>
        <EOYFMVAmt>272301</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C665162772 MFB NORTHERN FUNDS</StockNm>
        <EOYBookValueAmt>769829</EOYBookValueAmt>
        <EOYFMVAmt>2394726</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C78467Y107 SPDR S&amp;P MIDCAP 400</StockNm>
        <EOYBookValueAmt>49020</EOYBookValueAmt>
        <EOYFMVAmt>160044</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C922042858 MFC VANGUARD INTL E</StockNm>
        <EOYBookValueAmt>467732</EOYBookValueAmt>
        <EOYFMVAmt>495461</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C233203629 MFO DFA INTL SMALL</StockNm>
        <EOYBookValueAmt>115675</EOYBookValueAmt>
        <EOYFMVAmt>112908</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C33939L407 MFC FLEXSHARES TR M</StockNm>
        <EOYBookValueAmt>241073</EOYBookValueAmt>
        <EOYFMVAmt>230687</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C464287465 MFC ETF I SHARES MS</StockNm>
        <EOYBookValueAmt>669096</EOYBookValueAmt>
        <EOYFMVAmt>880150</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C464287507 MFC ISHARES CORE S&amp;</StockNm>
        <EOYBookValueAmt>101526</EOYBookValueAmt>
        <EOYFMVAmt>335513</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C464287655 MFC ISHARES TR RUSS</StockNm>
        <EOYBookValueAmt>140179</EOYBookValueAmt>
        <EOYFMVAmt>228815</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>C665162384 MFB NORTHERN MULTI</StockNm>
        <EOYBookValueAmt>312341</EOYBookValueAmt>
        <EOYFMVAmt>292035</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SEE ATTACHED</CategoryOrItemTxt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>C78463X863 MFC SPDR INDEX SHS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>35150</BookValueAmt>
        <EOYFMVAmt>24480</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>C78464A607 SPDR DOW JONES REIT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>198172</BookValueAmt>
        <EOYFMVAmt>277536</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
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      <OtherDecreasesDetail>
        <Desc>2024 TRANSACTION POSTED IN 2025</Desc>
        <Amt>1865</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule">
      <OtherExpensesScheduleGrp>
        <Desc>IL ATTORNEY GENERAL FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>15</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>15</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>IL SECRETARY OF STATE FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>13</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>13</DisbursementsCharitablePrpsAmt>
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    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="OtherIncomeSchedule2">
      <OtherIncomeDetail>
        <Desc>MFO DFA INTL SMALL CO PORTFOLIO FUND</Desc>
        <RevenueAndExpensesPerBooksAmt>6</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>6</NetInvestmentIncomeAmt>
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    </OtherIncomeSchedule2>
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      <OtherIncreasesDetail>
        <Desc>2023 TRANSACTION POSTED IN 2024</Desc>
        <Amt>1744</Amt>
      </OtherIncreasesDetail>
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      <OtherProfessionalFeesDetail>
        <CategoryTxt>NT ADVISORY FEES</CategoryTxt>
        <Amt>24084</Amt>
        <NetInvestmentIncomeAmt>6021</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>18063</DisbursementsCharitablePrpsAmt>
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      <OtherProfessionalFeesDetail>
        <CategoryTxt>INVESTMENT MANAGEMENT FEES</CategoryTxt>
        <Amt>80531</Amt>
        <NetInvestmentIncomeAmt>80531</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
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      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>1074</Amt>
        <NetInvestmentIncomeAmt>1074</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
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      <TaxesDetail>
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        <Amt>1469</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
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      <TaxesDetail>
        <CategoryTxt>ESTIMATED TAX PAYMENTS</CategoryTxt>
        <Amt>20172</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON QUALIFIED FOR</CategoryTxt>
        <Amt>3353</Amt>
        <NetInvestmentIncomeAmt>3353</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
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      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON NONQUALIFIED</CategoryTxt>
        <Amt>1363</Amt>
        <NetInvestmentIncomeAmt>1363</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
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    </TaxesSchedule>
  </ReturnData>
</Return>