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      <CompensationExplanationGrp>
        <PersonNm>THOMAS P MCGINTY</PersonNm>
      </CompensationExplanationGrp>
    </CompensationExplanation>
    <DepreciationSchedule documentId="RetDoc6">
      <DepreciationPropertyGrp>
        <PropertyDesc>DEPRECIATION</PropertyDesc>
        <PriorYearDepreciationAmt>2825</PriorYearDepreciationAmt>
        <CurrentYearExpenseAmt>137</CurrentYearExpenseAmt>
        <NetInvestmentIncomeAmt>137</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>137</AdjustedNetIncomeAmt>
      </DepreciationPropertyGrp>
    </DepreciationSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc7">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PIMCO COMMODITY REALRETURN STRATEGY</AssetDesc>
        <AcquiredDt>2013-12</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>413</GrossSalesPriceAmt>
        <BasisAmt>382</BasisAmt>
        <TotalNetAmt>31</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>GOLDCORP INC</AssetDesc>
        <AcquiredDt>2013-04</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>25760</GrossSalesPriceAmt>
        <BasisAmt>32590</BasisAmt>
        <TotalNetAmt>-6830</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>MFO DFA US SMALL CAP PORTFOLIO</AssetDesc>
        <AcquiredDt>2013-04</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>63785</GrossSalesPriceAmt>
        <BasisAmt>51776</BasisAmt>
        <TotalNetAmt>12009</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES MSCI EMERGING MKTS INDEX</AssetDesc>
        <AcquiredDt>2012-11</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>112334</GrossSalesPriceAmt>
        <BasisAmt>101288</BasisAmt>
        <TotalNetAmt>11046</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES MSCI EMERGING MKTS INDEX</AssetDesc>
        <AcquiredDt>2012-11</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>20060</GrossSalesPriceAmt>
        <BasisAmt>20745</BasisAmt>
        <TotalNetAmt>-685</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PIMCO COMMODITY REALRETURN STRATEGY</AssetDesc>
        <AcquiredDt>2010-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>25052</GrossSalesPriceAmt>
        <BasisAmt>34212</BasisAmt>
        <TotalNetAmt>-9160</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PIMCO COMMODITY REALRETURN STRATEGY</AssetDesc>
        <AcquiredDt>2010-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>256</GrossSalesPriceAmt>
        <BasisAmt>288</BasisAmt>
        <TotalNetAmt>-32</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>MFC VANGUARD FTSE EMERGING MKTS</AssetDesc>
        <AcquiredDt>2013-02</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>19795</GrossSalesPriceAmt>
        <BasisAmt>21905</BasisAmt>
        <TotalNetAmt>-2110</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>GILEAD SCIENCES INC</AssetDesc>
        <AcquiredDt>2004-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>36177</GrossSalesPriceAmt>
        <BasisAmt>3581</BasisAmt>
        <TotalNetAmt>32596</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PROCTOR &amp; GAMBLE</AssetDesc>
        <AcquiredDt>2008-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-03</SoldDt>
        <GrossSalesPriceAmt>53645</GrossSalesPriceAmt>
        <BasisAmt>49583</BasisAmt>
        <TotalNetAmt>4062</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>COLGATE PALMOLIVE CO</AssetDesc>
        <AcquiredDt>2001-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-08</SoldDt>
        <GrossSalesPriceAmt>16177</GrossSalesPriceAmt>
        <BasisAmt>5601</BasisAmt>
        <TotalNetAmt>10576</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>GILEAD SCIENCES INC</AssetDesc>
        <AcquiredDt>2004-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-08</SoldDt>
        <GrossSalesPriceAmt>140126</GrossSalesPriceAmt>
        <BasisAmt>9312</BasisAmt>
        <TotalNetAmt>130814</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PRAXAIR</AssetDesc>
        <AcquiredDt>2006-05</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-08</SoldDt>
        <GrossSalesPriceAmt>13189</GrossSalesPriceAmt>
        <BasisAmt>5380</BasisAmt>
        <TotalNetAmt>7809</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PROCTOR &amp; GAMBLE</AssetDesc>
        <AcquiredDt>2002-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-08</SoldDt>
        <GrossSalesPriceAmt>4153</GrossSalesPriceAmt>
        <BasisAmt>1954</BasisAmt>
        <TotalNetAmt>2199</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>CDK GLOBAL INC</AssetDesc>
        <AcquiredDt>2011-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-10</SoldDt>
        <GrossSalesPriceAmt>17</GrossSalesPriceAmt>
        <BasisAmt>13</BasisAmt>
        <TotalNetAmt>4</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>CDK GLOBAL INC</AssetDesc>
        <AcquiredDt>2010-06</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-10</SoldDt>
        <GrossSalesPriceAmt>1838</GrossSalesPriceAmt>
        <BasisAmt>1030</BasisAmt>
        <TotalNetAmt>808</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>CDK GLOBAL INC</AssetDesc>
        <AcquiredDt>2011-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2014-10</SoldDt>
        <GrossSalesPriceAmt>2739</GrossSalesPriceAmt>
        <BasisAmt>1855</BasisAmt>
        <TotalNetAmt>884</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc8">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE BONDS</BondNm>
        <EOYBookValueAmt>188677</EOYBookValueAmt>
        <EOYFMVAmt>203566</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>UNREALIZED GAIN ON CORP. BONDS</BondNm>
        <EOYBookValueAmt>14889</EOYBookValueAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc9">
      <InvestmentsCorporateStockGrp>
        <StockNm>COMMODITIES</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS - DOMESTIC COMMON</StockNm>
        <EOYBookValueAmt>1679338</EOYBookValueAmt>
        <EOYFMVAmt>2597484</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNREALIZED GAIN ON COMMON</StockNm>
        <EOYBookValueAmt>918146</EOYBookValueAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <LandEtcSchedule2 documentId="RetDoc10">
      <LandEtcGrp>
        <CostOrOtherBasisAmt>42224</CostOrOtherBasisAmt>
        <AccumulatedDepreciationAmt>40927</AccumulatedDepreciationAmt>
        <BookValueAmt>1297</BookValueAmt>
        <EOYFMVAmt>1297</EOYFMVAmt>
      </LandEtcGrp>
    </LandEtcSchedule2>
    <OtherDecreasesSchedule documentId="RetDoc11">
      <OtherDecreasesDetail>
        <Description>EXCISE TAX PAID</Description>
        <Amount>13277</Amount>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="RetDoc12">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>BANK CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>10062</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>10062</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>TELEPHONE</Desc>
        <RevenueAndExpensesPerBooksAmt>215</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>215</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc13">
      <OtherIncreasesDetail>
        <Description>UNREALIZED GAINS</Description>
        <Amount>19527</Amount>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="RetDoc14">
      <TaxesDetail>
        <CategoryTxt>INDIRECT TAXES/LICENSES</CategoryTxt>
        <Amt>600</Amt>
        <DisbursementsCharitablePrpsAmt>600</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>