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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
Vanguard S&P 500 ETF | ETF | 922908363 | 38,392,099 | 87,894 | SH | | SOLE | | 0 | 0 | 87,894 |
Vanguard Small Cap ETF | ETF | 922908751 | 21,136,589 | 99,079 | SH | | SOLE | | 0 | 0 | 99,079 |
Apple Inc | Common Stock | 037833100 | 11,030,902 | 57,294 | SH | | SOLE | | 0 | 0 | 57,294 |
Nvidia Corp | Common Stock | 67066G104 | 7,417,900 | 14,979 | SH | | SOLE | | 0 | 0 | 14,979 |
Alphabet Inc. Class C | Common Stock | 02079K107 | 6,473,620 | 45,935 | SH | | SOLE | | 0 | 0 | 45,935 |
Berkshire Hathaway Class B | Common Stock | 084670702 | 5,880,253 | 16,487 | SH | | SOLE | | 0 | 0 | 16,487 |
Microsoft | Common Stock | 594918104 | 5,182,685 | 13,782 | SH | | SOLE | | 0 | 0 | 13,782 |
NVR Inc. | Common Stock | 62944T105 | 4,298,276 | 614 | SH | | SOLE | | 0 | 0 | 614 |
McKesson Corp | Common Stock | 58155Q103 | 4,057,615 | 8,752 | SH | | SOLE | | 0 | 0 | 8,752 |
Merck & Co. Inc. | Common Stock | 58933Y105 | 3,740,535 | 34,071 | SH | | SOLE | | 0 | 0 | 34,071 |
Broadcom Inc | Common Stock | 11135F101 | 3,647,905 | 3,268 | SH | | SOLE | | 0 | 0 | 3,268 |
Arch Cap Group LTD F | Common Stock | G0450A105 | 3,290,161 | 44,300 | SH | | SOLE | | 0 | 0 | 44,300 |
Vanguard Small Cap Value ETF | ETF | 922908611 | 3,194,647 | 17,751 | SH | | SOLE | | 0 | 0 | 17,751 |
Cisco Systems | Common Stock | 17275R102 | 3,189,342 | 63,130 | SH | | SOLE | | 0 | 0 | 63,130 |
Meta Platforms Inc Class A | Common Stock | 30303M102 | 3,022,464 | 8,539 | SH | | SOLE | | 0 | 0 | 8,539 |
JPMorgan Chase | Common Stock | 46625H100 | 2,935,416 | 17,257 | SH | | SOLE | | 0 | 0 | 17,257 |
Procter & Gamble | Common Stock | 742718109 | 2,857,957 | 19,503 | SH | | SOLE | | 0 | 0 | 19,503 |
Check PT Software F | Common Stock | M22465104 | 2,827,379 | 18,505 | SH | | SOLE | | 0 | 0 | 18,505 |
CIGNA Corp | Common Stock | 125523100 | 2,793,270 | 9,328 | SH | | SOLE | | 0 | 0 | 9,328 |
Vertex Pharmaceutical | Common Stock | 92532F100 | 2,761,562 | 6,787 | SH | | SOLE | | 0 | 0 | 6,787 |
JPMorgan Betabuilders US Eqy ETF | ETF | 46641Q399 | 2,619,645 | 30,500 | SH | | SOLE | | 0 | 0 | 30,500 |
iShares Russell 2000 ETF | ETF | 464287655 | 2,602,406 | 12,966 | SH | | SOLE | | 0 | 0 | 12,966 |
Philip Morris Intl | Common Stock | 718172109 | 2,486,378 | 26,069 | SH | | SOLE | | 0 | 0 | 26,069 |
Vanguard FTSE All World Ex US ETF | ETF | 922042775 | 2,477,346 | 44,128 | SH | | SOLE | | 0 | 0 | 44,128 |
Comcast Corp Class A | Common Stock | 20030N101 | 2,476,297 | 56,472 | SH | | SOLE | | 0 | 0 | 56,472 |
iShares Core MSCI EAFE ETF | ETF | 46432F842 | 2,438,331 | 34,660 | SH | | SOLE | | 0 | 0 | 34,660 |
Johnson & Johnson | Common Stock | 478160104 | 2,424,086 | 15,466 | SH | | SOLE | | 0 | 0 | 15,466 |
Booking Holdings Inc | Common Stock | 09857L108 | 2,422,751 | 683 | SH | | SOLE | | 0 | 0 | 683 |
Applied Energetics | Common Stock | 03819M106 | 2,377,951 | 1,073,567 | SH | | SOLE | | 0 | 0 | 1,073,567 |
Progressive Co. | Common Stock | 743315103 | 2,363,563 | 14,839 | SH | | SOLE | | 0 | 0 | 14,839 |
Altria Group Inc | Common Stock | 02209S103 | 2,348,229 | 56,842 | SH | | SOLE | | 0 | 0 | 56,842 |
ExxonMobil | Common Stock | 30231G102 | 2,339,218 | 23,397 | SH | | SOLE | | 0 | 0 | 23,397 |
Charles Schwab Corp | Common Stock | 808513105 | 2,327,986 | 33,837 | SH | | SOLE | | 0 | 0 | 33,837 |
Williams Cos Inc | Common Stock | 969457100 | 2,321,395 | 66,649 | SH | | SOLE | | 0 | 0 | 66,649 |
JPMorgan Betabuild Interl Eqy ETF | ETF | 46641Q373 | 2,265,757 | 39,799 | SH | | SOLE | | 0 | 0 | 39,799 |
Pepsico Inc | Common Stock | 713448108 | 2,145,723 | 12,559 | SH | | SOLE | | 0 | 0 | 12,559 |
Vistra Energy Corp | Common Stock | 92840M102 | 2,117,406 | 54,969 | SH | | SOLE | | 0 | 0 | 54,969 |
Dropbox Inc Class A | Common Stock | 26210C104 | 2,091,812 | 70,957 | SH | | SOLE | | 0 | 0 | 70,957 |
Lockheed Martin Corp | Common Stock | 539830109 | 2,074,604 | 4,577 | SH | | SOLE | | 0 | 0 | 4,577 |
Amazon.com Inc | Common Stock | 023135106 | 2,068,815 | 13,616 | SH | | SOLE | | 0 | 0 | 13,616 |
Wells Fargo & Co | Common Stock | 949746101 | 2,028,315 | 41,209 | SH | | SOLE | | 0 | 0 | 41,209 |
Eli Lilly & Co. | Common Stock | 532457108 | 2,026,813 | 3,477 | SH | | SOLE | | 0 | 0 | 3,477 |
Pultegroup Inc | Common Stock | 745867101 | 1,931,989 | 18,681 | SH | | SOLE | | 0 | 0 | 18,681 |
Vanguard FTSE Developed Markets ETF | ETF | 921943858 | 1,691,349 | 35,310 | SH | | SOLE | | 0 | 0 | 35,310 |
Wal-Mart | Common Stock | 931142103 | 1,636,479 | 10,343 | SH | | SOLE | | 0 | 0 | 10,343 |
Target Corp | Common Stock | 87612E106 | 1,605,814 | 11,275 | SH | | SOLE | | 0 | 0 | 11,275 |
Lab Corp Of America | Common Stock | 50540R409 | 1,546,254 | 6,803 | SH | | SOLE | | 0 | 0 | 6,803 |
Tesla Inc | Common Stock | 88160R101 | 1,524,176 | 6,134 | SH | | SOLE | | 0 | 0 | 6,134 |
Marathon Pete Corp | Common Stock | 56585A102 | 1,491,873 | 10,056 | SH | | SOLE | | 0 | 0 | 10,056 |
Baker Hughes Co. Class A | Common Stock | 05722G100 | 1,488,741 | 43,556 | SH | | SOLE | | 0 | 0 | 43,556 |
Chevron Corp. | Common Stock | 166764100 | 1,469,239 | 9,850 | SH | | SOLE | | 0 | 0 | 9,850 |
Expeditors International of Washington | Common Stock | 302130109 | 1,463,945 | 11,509 | SH | | SOLE | | 0 | 0 | 11,509 |
Abbvie Inc | Common Stock | 00287Y109 | 1,441,376 | 9,301 | SH | | SOLE | | 0 | 0 | 9,301 |
Norfolk Southern Co | Common Stock | 655844108 | 1,394,646 | 5,900 | SH | | SOLE | | 0 | 0 | 5,900 |
Bristol-Myers Squibb | Common Stock | 110122108 | 1,382,833 | 26,951 | SH | | SOLE | | 0 | 0 | 26,951 |
EOG Resources Inc. | Common Stock | 26875P101 | 1,348,230 | 11,147 | SH | | SOLE | | 0 | 0 | 11,147 |
O'Reilly Automotive | Common Stock | 67103H107 | 1,303,510 | 1,372 | SH | | SOLE | | 0 | 0 | 1,372 |
Bank Of America Corp | Common Stock | 060505104 | 1,172,356 | 34,819 | SH | | SOLE | | 0 | 0 | 34,819 |
Raytheon Technologies Co | Common Stock | 75513E101 | 1,171,145 | 13,919 | SH | | SOLE | | 0 | 0 | 13,919 |
Mastercard Inc Class A | Common Stock | 57636Q104 | 1,167,784 | 2,738 | SH | | SOLE | | 0 | 0 | 2,738 |
Verizon | Common Stock | 92343V104 | 1,165,798 | 30,923 | SH | | SOLE | | 0 | 0 | 30,923 |
Vanguard Mega Cap ETF | ETF | 921910873 | 1,138,408 | 6,725 | SH | | SOLE | | 0 | 0 | 6,725 |
iShares S&P Small Cap 600 Value ETF | ETF | 464287879 | 1,069,454 | 10,376 | SH | | SOLE | | 0 | 0 | 10,376 |
Vanguard High Dividend Yield ETF | ETF | 921946406 | 1,061,043 | 9,505 | SH | | SOLE | | 0 | 0 | 9,505 |
Vanguard Russell 1000 Growth ETF | ETF | 92206C680 | 1,050,149 | 13,460 | SH | | SOLE | | 0 | 0 | 13,460 |
SPDR S&P 500 ETF | ETF | 78462F103 | 1,039,854 | 2,179 | SH | | SOLE | | 0 | 0 | 2,179 |
Home Depot | Common Stock | 437076102 | 1,020,936 | 2,946 | SH | | SOLE | | 0 | 0 | 2,946 |
Vanguard Mid Cap ETF | ETF | 922908629 | 1,016,172 | 4,368 | SH | | SOLE | | 0 | 0 | 4,368 |
Oracle Corp | Common Stock | 68389X105 | 1,005,064 | 9,533 | SH | | SOLE | | 0 | 0 | 9,533 |
Dominion Energy Inc | Common Stock | 25746U109 | 978,887 | 20,827 | SH | | SOLE | | 0 | 0 | 20,827 |
JPMorgan Active Growth ETF | ETF | 46654Q609 | 970,772 | 15,889 | SH | | SOLE | | 0 | 0 | 15,889 |
Applied Materials | Common Stock | 038222105 | 947,801 | 5,848 | SH | | SOLE | | 0 | 0 | 5,848 |
Autozone Inc | Common Stock | 053332102 | 946,333 | 366 | SH | | SOLE | | 0 | 0 | 366 |
Lam Research Corp | Common Stock | 512807108 | 924,067 | 1,177 | SH | | SOLE | | 0 | 0 | 1,177 |
Builders Firstsource | Common Stock | 12008R107 | 911,325 | 5,459 | SH | | SOLE | | 0 | 0 | 5,459 |
Lennar Corp Class A | Common Stock | 526057104 | 900,202 | 6,040 | SH | | SOLE | | 0 | 0 | 6,040 |
Accenture PLC F Class A | Common Stock | G1151C101 | 888,504 | 2,532 | SH | | SOLE | | 0 | 0 | 2,532 |
Autodesk Inc | Common Stock | 052769106 | 884,806 | 3,634 | SH | | SOLE | | 0 | 0 | 3,634 |
Northrop Grumman Corp | Common Stock | 666807102 | 881,508 | 1,883 | SH | | SOLE | | 0 | 0 | 1,883 |
CBRE Group Inc Class A | Common Stock | 12504L109 | 881,190 | 9,466 | SH | | SOLE | | 0 | 0 | 9,466 |
JPMorgan Activebld Emrg MRKT Eqy ETF | ETF | 46641Q266 | 869,203 | 23,978 | SH | | SOLE | | 0 | 0 | 23,978 |
American Express Co | Common Stock | 025816109 | 851,273 | 4,544 | SH | | SOLE | | 0 | 0 | 4,544 |
Post Holdings Inc | Common Stock | 737446104 | 840,357 | 9,543 | SH | | SOLE | | 0 | 0 | 9,543 |
JPMorgan Active Value ETF | ETF | 46641Q167 | 829,572 | 14,915 | SH | | SOLE | | 0 | 0 | 14,915 |
Mondelez Intl Class A | Common Stock | 609207105 | 816,413 | 11,206 | SH | | SOLE | | 0 | 0 | 11,206 |
Nucor Corp | Common Stock | 670346105 | 800,275 | 4,584 | SH | | SOLE | | 0 | 0 | 4,584 |
Visa Inc Class A | Common Stock | 92826C839 | 778,967 | 2,992 | SH | | SOLE | | 0 | 0 | 2,992 |
Adobe Inc | Common Stock | 00724F101 | 772,597 | 1,295 | SH | | SOLE | | 0 | 0 | 1,295 |
JPMorgan U.S. Quality Factor ETF | ETF | 46641Q761 | 755,583 | 15,784 | SH | | SOLE | | 0 | 0 | 15,784 |
UnitedHealth Group | Common Stock | 91324P102 | 736,005 | 1,398 | SH | | SOLE | | 0 | 0 | 1,398 |
Texas Instruments | Common Stock | 882508104 | 734,512 | 4,309 | SH | | SOLE | | 0 | 0 | 4,309 |
Qualcomm Inc | Common Stock | 747525103 | 697,984 | 4,826 | SH | | SOLE | | 0 | 0 | 4,826 |
McDonald's | Common Stock | 580135101 | 684,938 | 2,310 | SH | | SOLE | | 0 | 0 | 2,310 |
Goldman Sachs Actvbeta US LRG ETF | ETF | 381430503 | 666,579 | 7,075 | SH | | SOLE | | 0 | 0 | 7,075 |
Equinix Inc REIT | Common Stock | 29444U700 | 629,815 | 782 | SH | | SOLE | | 0 | 0 | 782 |
Lowes Companies Inc | Common Stock | 548661107 | 574,624 | 2,582 | SH | | SOLE | | 0 | 0 | 2,582 |
Willis Towers Watson P F | Common Stock | G96629103 | 556,450 | 2,299 | SH | | SOLE | | 0 | 0 | 2,299 |
Alphabet Inc. Class A | Common Stock | 02079K305 | 550,937 | 3,944 | SH | | SOLE | | 0 | 0 | 3,944 |
iShares Core S&P Small Cap ETF | ETF | 464287804 | 542,549 | 5,012 | SH | | SOLE | | 0 | 0 | 5,012 |
Honeywell Intl Inc | Common Stock | 438516106 | 534,761 | 2,550 | SH | | SOLE | | 0 | 0 | 2,550 |
Abbott Laboratories | Common Stock | 002824100 | 533,069 | 4,843 | SH | | SOLE | | 0 | 0 | 4,843 |
Regeneron Pharms Inc | Common Stock | 75886F107 | 526,096 | 599 | SH | | SOLE | | 0 | 0 | 599 |
Discover Financial Services | Common Stock | 254709108 | 508,160 | 4,521 | SH | | SOLE | | 0 | 0 | 4,521 |
CVS Health Corp | Common Stock | 126650100 | 500,764 | 6,342 | SH | | SOLE | | 0 | 0 | 6,342 |
Starbucks Corp | Common Stock | 855244109 | 497,620 | 5,183 | SH | | SOLE | | 0 | 0 | 5,183 |
Nestle S A F Sponsored ADR | Common Stock | 641069406 | 482,524 | 4,173 | SH | | SOLE | | 0 | 0 | 4,173 |
CF Industries Holdings Inc. | Common Stock | 125269100 | 476,762 | 5,997 | SH | | SOLE | | 0 | 0 | 5,997 |
Cintas Corp | Common Stock | 172908105 | 468,267 | 777 | SH | | SOLE | | 0 | 0 | 777 |
Danaher Corp | Common Stock | 235851102 | 467,097 | 2,017 | SH | | SOLE | | 0 | 0 | 2,017 |
Textron Inc | Common Stock | 883203101 | 462,932 | 5,755 | SH | | SOLE | | 0 | 0 | 5,755 |
Vanguard Dividend Appreciation ETF | ETF | 921908844 | 452,923 | 2,658 | SH | | SOLE | | 0 | 0 | 2,658 |
Paychex Inc | Common Stock | 704326107 | 451,784 | 3,793 | SH | | SOLE | | 0 | 0 | 3,793 |
Walt Disney | Common Stock | 254687106 | 444,063 | 4,902 | SH | | SOLE | | 0 | 0 | 4,902 |
TJX Companies Inc | Common Stock | 872540109 | 435,185 | 4,639 | SH | | SOLE | | 0 | 0 | 4,639 |
Micron Technology | Common Stock | 595112103 | 427,190 | 4,999 | SH | | SOLE | | 0 | 0 | 4,999 |
BlackRock Inc | Common Stock | 09247X101 | 422,136 | 520 | SH | | SOLE | | 0 | 0 | 520 |
Ameriprise Financial | Common Stock | 03076C106 | 420,092 | 1,106 | SH | | SOLE | | 0 | 0 | 1,106 |
Duke Energy Corp | Common Stock | 26441C204 | 408,538 | 4,210 | SH | | SOLE | | 0 | 0 | 4,210 |
EQT Corp | Common Stock | 26884L109 | 400,054 | 10,348 | SH | | SOLE | | 0 | 0 | 10,348 |
Chipotle Mexican GRL | Common Stock | 169656105 | 395,644 | 173 | SH | | SOLE | | 0 | 0 | 173 |
Air Prod & Chemicals | Common Stock | 009158106 | 392,934 | 1,426 | SH | | SOLE | | 0 | 0 | 1,426 |
Crown Castle Intl Co REIT | Common Stock | 22822V101 | 385,541 | 3,347 | SH | | SOLE | | 0 | 0 | 3,347 |
Coca-Cola | Common Stock | 191216100 | 380,806 | 6,462 | SH | | SOLE | | 0 | 0 | 6,462 |
Deere & Co | Common Stock | 244199105 | 376,056 | 937 | SH | | SOLE | | 0 | 0 | 937 |
JPMorgan DVRSFD RTRN Intrnl EQT ETF | ETF | 46641Q209 | 370,517 | 6,821 | SH | | SOLE | | 0 | 0 | 6,821 |
Diageo PLC | Common Stock | 25243Q205 | 362,985 | 2,492 | SH | | SOLE | | 0 | 0 | 2,492 |
L3Harris Technologies Inc. | Common Stock | 502431109 | 360,792 | 1,713 | SH | | SOLE | | 0 | 0 | 1,713 |
LKQ Corp | Common Stock | 501889208 | 360,719 | 7,548 | SH | | SOLE | | 0 | 0 | 7,548 |
United Parcel Service Class B | Common Stock | 911312106 | 359,113 | 2,284 | SH | | SOLE | | 0 | 0 | 2,284 |
S&P Global Inc | Common Stock | 78409V104 | 353,738 | 803 | SH | | SOLE | | 0 | 0 | 803 |
JPMorgan Equity Premium Income ETF | ETF | 46641Q332 | 351,286 | 6,340 | SH | | SOLE | | 0 | 0 | 6,340 |
Fidelity Natl Info | Common Stock | 31620M106 | 348,286 | 5,798 | SH | | SOLE | | 0 | 0 | 5,798 |
Pfizer | Common Stock | 717081103 | 347,369 | 12,066 | SH | | SOLE | | 0 | 0 | 12,066 |
Westrock Co | Common Stock | 96145D105 | 346,526 | 8,346 | SH | | SOLE | | 0 | 0 | 8,346 |
Steel Dynamics Inc | Common Stock | 858119100 | 341,945 | 2,885 | SH | | SOLE | | 0 | 0 | 2,885 |
iShares US Technology ETF | ETF | 464287721 | 337,563 | 2,750 | SH | | SOLE | | 0 | 0 | 2,750 |
Nintendo LTD F Sponsored ADR | Common Stock | 654445303 | 319,866 | 24,624 | SH | | SOLE | | 0 | 0 | 24,624 |
Dell Technologies Inc Class C | Common Stock | 24703L202 | 313,191 | 4,094 | SH | | SOLE | | 0 | 0 | 4,094 |
iShares MSCI EAFE Value ETF | ETF | 464288877 | 313,121 | 6,010 | SH | | SOLE | | 0 | 0 | 6,010 |
Intuit Inc | Common Stock | 461202103 | 311,265 | 498 | SH | | SOLE | | 0 | 0 | 498 |
PNC Financial Services | Common Stock | 693475105 | 309,545 | 1,999 | SH | | SOLE | | 0 | 0 | 1,999 |
Synopsys Inc | Common Stock | 871607107 | 307,401 | 597 | SH | | SOLE | | 0 | 0 | 597 |
General Electric Co | Common Stock | 369604301 | 307,015 | 2,404 | SH | | SOLE | | 0 | 0 | 2,404 |
Analog Devices Inc | Common Stock | 032654105 | 305,584 | 1,539 | SH | | SOLE | | 0 | 0 | 1,539 |
Truist Finl Corp | Common Stock | 89832Q109 | 302,670 | 8,198 | SH | | SOLE | | 0 | 0 | 8,198 |
Astrazeneca ADR | Common Stock | 046353108 | 294,656 | 4,375 | SH | | SOLE | | 0 | 0 | 4,375 |
Thermo Fisher Scientific | Common Stock | 883556102 | 292,653 | 551 | SH | | SOLE | | 0 | 0 | 551 |
RGC Resources Inc | Common Stock | 74955L103 | 287,709 | 14,145 | SH | | SOLE | | 0 | 0 | 14,145 |
Colgate-Palmolive Co | Common Stock | 194162103 | 284,963 | 3,575 | SH | | SOLE | | 0 | 0 | 3,575 |
Fastenal Co | Common Stock | 311900104 | 274,042 | 4,231 | SH | | SOLE | | 0 | 0 | 4,231 |
Costco Wholesale Co | Common Stock | 22160K105 | 269,357 | 399 | SH | | SOLE | | 0 | 0 | 399 |
Waste Management Inc | Common Stock | 94106L109 | 255,576 | 1,427 | SH | | SOLE | | 0 | 0 | 1,427 |
Nextera Energy Inc | Common Stock | 65339F101 | 246,058 | 4,051 | SH | | SOLE | | 0 | 0 | 4,051 |
Southern Co | Common Stock | 842587107 | 244,228 | 3,483 | SH | | SOLE | | 0 | 0 | 3,483 |
Fiserv Inc | Common Stock | 337738108 | 243,496 | 1,833 | SH | | SOLE | | 0 | 0 | 1,833 |
American International Group | Common Stock | 026874784 | 239,971 | 3,542 | SH | | SOLE | | 0 | 0 | 3,542 |
General Dynamics Co | Common Stock | 369550108 | 239,156 | 921 | SH | | SOLE | | 0 | 0 | 921 |
Prudential Financial | Common Stock | 744320102 | 230,029 | 2,218 | SH | | SOLE | | 0 | 0 | 2,218 |
Vanguard Internatnl HGH DIV YLD ETF | ETF | 921946794 | 221,944 | 3,338 | SH | | SOLE | | 0 | 0 | 3,338 |
iShares Core MSCI Emerging ETF | ETF | 46434G103 | 217,545 | 4,301 | SH | | SOLE | | 0 | 0 | 4,301 |
Nisource Inc 00500 | Common Stock | 65473P105 | 212,612 | 8,008 | SH | | SOLE | | 0 | 0 | 8,008 |
NXP Semiconductors F | Common Stock | N6596X109 | 209,457 | 908 | SH | | SOLE | | 0 | 0 | 908 |
Salesforce Inc | Common Stock | 79466L302 | 208,144 | 791 | SH | | SOLE | | 0 | 0 | 791 |
Morgan Stanley | Common Stock | 617446448 | 202,819 | 2,175 | SH | | SOLE | | 0 | 0 | 2,175 |
KLA Corp. | Common Stock | 482480100 | 200,549 | 345 | SH | | SOLE | | 0 | 0 | 345 |