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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 148 102 SH   SOLE 0 102 0 0
TELIGENT INC NEW COM Stock 87960W104 6 1,765 SH   SOLE 0 1,765 0 0
PRUDENTIAL FINL INC COM Stock 744320102 3 29 SH   SOLE 0 29 0 0
POWERSHARES QQQ NASDAQ 100 ETF 73935A104 4 28 SH   SOLE 0 28 0 0
PUBLIC SVC ENTERPRISE GROUP COM Stock 744573106 124 2,460 SH   SOLE 0 2,460 0 0
WISDOMTREE U.S. SMALLCAP EARNINGS FUND ETF 97717W562 746 20,872 SH   SOLE 0 20,872 0 0
ISHARES GOLD TRUST ETF 464285105 1,467 115,242 SH   SOLE 0 115,242 0 0
IONIS PHARMACEUTICALS INC COM Stock 462222100 44 1,000 SH   SOLE 0 1,000 0 0
WILLIS TOWERS WATSON PUB LTD SHS Stock G96629103 8 50 SH   SOLE 0 50 0 0
JOHNSON & JOHNSON COM Stock 478160104 285 2,225 SH   SOLE 0 2,225 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 357,315 2,632,738 SH   SOLE 0 2,632,737 0 0
CELLDEX THERAPEUTICS INC Stock 15117B103 3 1,100 SH   SOLE 0 1,100 0 0
POWERSHARES FUNDAMENTAL HIGH YIELD CORPORATE BOND FUND ETF 73936T557 714 38,590 SH   SOLE 0 38,590 0 0
ISHARES GLOBAL TELECOM ETF ETF 464287275 15 256 SH   SOLE 0 256 0 0
COCA COLA CO COM Stock 191216100 61 1,406 SH   SOLE 0 1,406 0 0
GENERAL MILLS Stock 370334104 1 21 SH   SOLE 0 21 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 4 37 SH   SOLE 0 37 0 0
CHARTER COMMUNICATIONS INC NEW CL A Stock 16119P108 10 31 SH   SOLE 0 31 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 42,165 558,694 SH   SOLE 0 558,694 0 0
BIOGEN IDEC INC Stock 09062X103 23 85 SH   SOLE 0 85 0 0
CARNIVAL CORP PAIRED CTF Stock 143658300 6 86 SH   SOLE 0 86 0 0
POWERSHS DB COMMDTY INDX ETF 73935S105 4 218 SH   SOLE 0 217 0 0
INTEL CORP Stock 458140100 13 242 SH   SOLE 0 242 0 0
MEDTRONIC PLC SHS Stock G5960L103 107 1,338 SH   SOLE 0 1,338 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 793 6,000 SH   SOLE 0 6,000 0 0
PAYCHEX INC COM Stock 704326107 3 48 SH   SOLE 0 48 0 0
PEOPLES UNITED FINANCIAL INC COM Stock 712704105 6 329 SH   SOLE 0 329 0 0
PACCAR INC COM Stock 693718108 4 53 SH   SOLE 0 53 0 0
ISHARES SILVER TRUST ETF 46428Q109 57 3,678 SH   SOLE 0 3,678 0 0
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 40 869 SH   SOLE 0 869 0 0
MERCK & CO INC Stock 58933Y105 3 63 SH   SOLE 0 63 0 0
SPDR TR UNIT SER 1 ETF 78462F103 137 521 SH   SOLE 0 521 0 0
ADIENT PLC ORD SHS Stock G0084W101 8 133 SH   SOLE 0 133 0 0
DIAGEO P L C SPNSRD ADR NEW ADR 25243Q205 4 29 SH   SOLE 0 29 0 0
ANNALY CAP MGMT INC COM REIT 035710409 8 750 SH   SOLE 0 750 0 0
LAMB WESTON HLDGS INC COM Stock 513272104 9 154 SH   SOLE 0 154 0 0
ISHARES TR BARCLAYS TIPS BOND FUND ETF 464287176 10 92 SH   SOLE 0 92 0 0
VERIZON COMMUNICATIONS Stock 92343V104 107 2,230 SH   SOLE 0 2,230 0 0
CHUBB LIMITED COM Stock H1467J104 34 251 SH   SOLE 0 251 0 0
OCLARO INC COM Stock 67555N206 8 820 SH   SOLE 0 820 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 677 11,311 SH   SOLE 0 11,311 0 0
NXSTAGE MEDICAL INC COM Stock 67072V103 6 245 SH   SOLE 0 245 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 1,402 24,013 SH   SOLE 0 24,013 0 0
UNILEVER N V NEW YORK SHS ADR 904784709 23 409 SH   SOLE 0 409 0 0
TE CONNECTIVITY LTD REG SHS Stock H84989104 140 1,400 SH   SOLE 0 1,400 0 0
FORD MOTOR COMPANY NEW Stock 345370860 6 556 SH   SOLE 0 556 0 0
HOME DEPOT INC COM Stock 437076102 0 1 SH   SOLE 0 1 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETF 78464A375 72 2,161 SH   SOLE 0 2,161 0 0
WILLAMETTE VY VINEYARD INC COM Stock 969136100 7 850 SH   SOLE 0 850 0 0
DOWDUPONT INC COM Stock 26078J100 586 9,204 SH   SOLE 0 9,203 0 0
SPDR GOLD TRUST SPDR GOLD SHARES ETF 78463V107 68 539 SH   SOLE 0 539 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,209 31,948 SH   SOLE 0 31,948 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 8,078 126,638 SH   SOLE 0 126,638 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 180 5,332 SH   SOLE 0 5,332 0 0
CENTURYLINK INC COM Stock 156700106 1 57 SH   SOLE 0 57 0 0
PIMCO EXCH TRADED FUND ENHANCED SHORT MATURITY EXCHANGE ETF 72201R833 30 296 SH   SOLE 0 296 0 0
HRG GROUP INC COM Stock 40434J100 1 80 SH   SOLE 0 80 0 0
FS INVT CORP COM CEF 302635107 413 56,981 SH   SOLE 0 56,981 0 0
ISHARE S&P SMALL-CAP 600 ETF 464287804 712 9,244 SH   SOLE 0 9,244 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,307 6,552 SH   SOLE 0 6,552 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 1,614 56,224 SH   SOLE 0 56,224 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 138 1,754 SH   SOLE 0 1,754 0 0
GOOGLE INC-CL A Stock 02079K305 41 40 SH   SOLE 0 40 0 0
PIEDMONT OFFICE REALTY TR INC COM CL A REIT 720190206 8 460 SH   SOLE 0 460 0 0
CALLIDUS SOFTWARE INC COM Stock 13123E500 9 255 SH   SOLE 0 255 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 122 3,355 SH   SOLE 0 3,355 0 0
COMCAST CORP NEW CL A Stock 20030N101 17 506 SH   SOLE 0 506 0 0
MAXLINEAR INC COM Stock 57776J100 7 305 SH   SOLE 0 305 0 0
MICROSOFT CORP Stock 594918104 104 1,134 SH   SOLE 0 1,134 0 0
CVS HEALTH CORP COM Stock 126650100 14 225 SH   SOLE 0 225 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,280 8,715 SH   SOLE 0 8,715 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 73 473 SH   SOLE 0 473 0 0
FINISAR CORP COM NEW Stock 31787A507 5 287 SH   SOLE 0 287 0 0
TESLA INC COM Stock 88160R101 84 316 SH   SOLE 0 316 0 0
NORFOLK SOUTHERN CORP Stock 655844108 6 42 SH   SOLE 0 42 0 0
NEWMARKET CORP COM Stock 651587107 2 6 SH   SOLE 0 6 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 72,405 1,245,135 SH   SOLE 0 1,245,135 0 0
HARLEY DAVIDSON INC COM Stock 412822108 9 200 SH   SOLE 0 200 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 337 6,378 SH   SOLE 0 6,378 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 1,116 20,344 SH   SOLE 0 20,344 0 0
WELLTOWER INC COM REIT 95040Q104 14 265 SH   SOLE 0 264 0 0
CONAGRA BRANDS INC COM Stock 205887102 10 261 SH   SOLE 0 261 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 92 1,469 SH   SOLE 0 1,469 0 0
CONSOLIDATED EDISON INC COM Stock 209115104 4 50 SH   SOLE 0 50 0 0
HASBRO INC COM Stock 418056107 1 11 SH   SOLE 0 11 0 0
SCHWAB U.S. REIT ETF ETF 808524847 30 789 SH   SOLE 0 789 0 0
BLACKROCK MUNIYIELD QUALITY FD COM CEF 09254F100 75 5,355 SH   SOLE 0 5,355 0 0
RTI SURGICAL INC COM Stock 74975N105 8 1,710 SH   SOLE 0 1,710 0 0
ISHARE RUSSELL 2000 ETF 464287655 74 485 SH   SOLE 0 485 0 0
TWILIO INC CL A Stock 90138F102 7 185 SH   SOLE 0 185 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 151 1,784 SH   SOLE 0 1,784 0 0
SYSCO CORP COM Stock 871829107 18 300 SH   SOLE 0 300 0 0
FUELCELL ENERGY INC COM NEW Stock 35952H502 0 12 SH   SOLE 0 12 0 0
AMERICAN ELEC PWR INC COM Stock 025537101 13 193 SH   SOLE 0 193 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 76,017 1,042,049 SH   SOLE 0 1,042,049 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 65 502 SH   SOLE 0 502 0 0
BIOMARIN PHARMACEUTICAL INC COM Stock 09061G101 2 29 SH   SOLE 0 29 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,729 53,480 SH   SOLE 0 53,480 0 0
IMPERVA INC COM Stock 45321L100 6 135 SH   SOLE 0 135 0 0
LIGAND PHARMACEUTICALS INC COM NEW Stock 53220K504 8 50 SH   SOLE 0 50 0 0
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY ETF 46429B689 137 1,863 SH   SOLE 0 1,863 0 0
ATRICURE INC COM Stock 04963C209 5 235 SH   SOLE 0 235 0 0
HERSHEY CO COM Stock 427866108 18 179 SH   SOLE 0 179 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 1,227 23,627 SH   SOLE 0 23,627 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 77 746 SH   SOLE 0 746 0 0
VANGUARD GROWTH ETF ETF 922908736 129 906 SH   SOLE 0 906 0 0
HORIZON PHARMA PLC SHS Stock G4617B105 4 300 SH   SOLE 0 300 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 176 2,909 SH   SOLE 0 2,909 0 0
ISHARES EMERGING MARKETS HIGH YIELD BOND FUND ETF 464286285 14 288 SH   SOLE 0 288 0 0
ENZO BIOCHEM INC COM Stock 294100102 2 410 SH   SOLE 0 410 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 2 27 SH   SOLE 0 27 0 0
AMERICAN AIRLS GROUP INC COM Stock 02376R102 36 697 SH   SOLE 0 697 0 0
HEALTHCARE TR AMER INC CL A NEW REIT 42225P501 13 500 SH   SOLE 0 500 0 0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF ETF 92189F643 9 205 SH   SOLE 0 205 0 0
W P CAREY INC COM REIT 92936U109 73 1,177 SH   SOLE 0 1,177 0 0
JOHNSON CONTROLS INC Stock G51502105 47 1,337 SH   SOLE 0 1,337 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 49 740 SH   SOLE 0 740 0 0
CHICAGO BRIDGE & IRON CO N V COM Stock 167250109 2 152 SH   SOLE 0 152 0 0
SUPERNUS PHARMACEUTICALS INC COM Stock 868459108 6 125 SH   SOLE 0 125 0 0
KINDER MORGAN INC DEL COM Stock 49456B101 2 113 SH   SOLE 0 113 0 0
NEOGENOMICS INC COM NEW Stock 64049M209 5 665 SH   SOLE 0 665 0 0
ISHARES LEHMAN 1-3 YEAR CRED ETF 464288646 78 747 SH   SOLE 0 747 0 0
KCAP FINL INC COM CEF 48668E101 28 8,801 SH   SOLE 0 8,801 0 0
GRAINGER W W INC COM Stock 384802104 11 39 SH   SOLE 0 39 0 0
ISHARES GLOBAL CONSUMER STAPLES ETF ETF 464288737 11 105 SH   SOLE 0 105 0 0
VANGUARD BOND INDEX FUND TOTAL BOND MARKET ETF 921937835 425 5,321 SH   SOLE 0 5,321 0 0
OMNICELL INC COM Stock 68213N109 5 125 SH   SOLE 0 125 0 0
SPDR MSCI ACWI IMI ETF ETF 78463X475 79 1,009 SH   SOLE 0 1,009 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 7 32 SH   SOLE 0 32 0 0
CYPRESS SEMICONDUCTOR CORP COM Stock 232806109 7 405 SH   SOLE 0 405 0 0
CISCO SYS INC Stock 17275R102 26 615 SH   SOLE 0 614 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 177 3,236 SH   SOLE 0 3,236 0 0
ISHARES RUSSELL MIDCAP INDEX ETF 464287499 157 760 SH   SOLE 0 760 0 0
A T & T INC NEW Stock 00206R102 673 18,890 SH   SOLE 0 18,889 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 133 1,623 SH   SOLE 0 1,623 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885 5 67 SH   SOLE 0 67 0 0
ISHARES NASDAQ BIOTECH INDX ETF 464287556 19 180 SH   SOLE 0 180 0 0
GENERAL ELECTRIC COMPANY Stock 369604103 44 3,274 SH   SOLE 0 3,273 0 0
ISHARE S&P 600 SMALL CAP GROWTH INDEX ETF 464287887 9 52 SH   SOLE 0 52 0 0
TIME WARNER INC COM NEW Stock 887317303 24 250 SH   SOLE 0 250 0 0
COMMVAULT SYSTEMS INC COM Stock 204166102 7 129 SH   SOLE 0 129 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 12 70 SH   SOLE 0 70 0 0
VEEVA SYS INC CL A COM Stock 922475108 18 250 SH   SOLE 0 250 0 0
SKYWORKS SOLUTIONS INC COM Stock 83088M102 6 60 SH   SOLE 0 60 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 6 55 SH   SOLE 0 55 0 0
ISHARE S&P 500 GROWTH INDEX FUND ETF 464287309 6 40 SH   SOLE 0 40 0 0
ISHARES TRUST S&P 500 S&P 500 INDEX ETF 464287200 231 871 SH   SOLE 0 871 0 0
CHART INDS INC COM PAR $0.01 Stock 16115Q308 6 105 SH   SOLE 0 105 0 0
WELLS FARGO CO NEW COM Stock 949746101 6 105 SH   SOLE 0 105 0 0
ISHARES S&P PREF STK INDX FN ETF 464288687 11 304 SH   SOLE 0 304 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 207 594 SH   SOLE 0 594 0 0
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 114 1,040 SH   SOLE 0 1,040 0 0
INTL PAPER CO COM Stock 460146103 6 120 SH   SOLE 0 120 0 0
CHEVRON CORP NEW COM Stock 166764100 27 234 SH   SOLE 0 234 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 23,409 214,899 SH   SOLE 0 214,899 0 0
VANGUARD MSCI EAFE ETF ETF 921943858 819 18,509 SH   SOLE 0 18,509 0 0
CINCINNATI FINL CORP COM Stock 172062101 4 54 SH   SOLE 0 54 0 0
CA INC COM Stock 12673P105 4 110 SH   SOLE 0 110 0 0
BERKSHIRE HILLS BANCORP INC COM Stock 084680107 34 890 SH   SOLE 0 890 0 0
WAL MART STORES INC Stock 931142103 27 308 SH   SOLE 0 308 0 0
ISHARES BARCLAYS 3-7 YEAR ETF 464288661 18 148 SH   SOLE 0 148 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 9 56 SH   SOLE 0 56 0 0
VANGUARD EMERGING MARKET ETF 922042858 221 4,708 SH   SOLE 0 4,708 0 0
TEXAS INSTRS INC COM Stock 882508104 39 375 SH   SOLE 0 375 0 0
TARGET CORP COM Stock 87612E106 4 62 SH   SOLE 0 62 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF 921946406 410 4,968 SH   SOLE 0 4,968 0 0
PFIZER INC COM Stock 717081103 37 1,036 SH   SOLE 0 1,036 0 0
ISHARES IBOXX INVESTOP IBOXX $ INVESTOP CO ETF 464287242 33 281 SH   SOLE 0 281 0 0
3M CO COM Stock 88579Y101 13 61 SH   SOLE 0 60 0 0
8X8 INC NEW COM Stock 282914100 7 365 SH   SOLE 0 365 0 0
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803 36 1,249 SH   SOLE 0 1,249 0 0
GOOGLE INC-CL A Stock 02079K107 7 7 SH   SOLE 0 7 0 0
POWERSHARES EMERGING MARKETS SOVEREIGN DEBT PORTFOLIO ETF 73936T573 26 934 SH   SOLE 0 934 0 0
K2M GROUP HLDGS INC COM Stock 48273J107 4 185 SH   SOLE 0 185 0 0
INTERSECT ENT INC COM Stock 46071F103 12 295 SH   SOLE 0 295 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 2,721 54,763 SH   SOLE 0 54,763 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 119,045 789,214 SH   SOLE 0 789,213 0 0
SPROTT GOLD MINERS ETF ETF 00162Q643 9 447 SH   SOLE 0 447 0 0
ISHARE S&P 400 MID CAP GROWTH INDEX ETF 464287606 77 351 SH   SOLE 0 351 0 0
ISHARE S&P 400 MID CAP VALUE INDEX ETF 464287705 24 158 SH   SOLE 0 158 0 0
ASPEN AEROGELS INC COM Stock 04523Y105 9 2,020 SH   SOLE 0 2,020 0 0
CYBERARK SOFTWARE LTD SHS Stock M2682V108 6 115 SH   SOLE 0 115 0 0
VERICEL CORP COM Stock 92346J108 5 545 SH   SOLE 0 545 0 0
INTEGRATED DEVICE TECHNOLOGY COM Stock 458118106 9 295 SH   SOLE 0 295 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 2 18 SH   SOLE 0 18 0 0
VANGUARD MEGA CAP ETF ETF 921910873 4,107 45,337 SH   SOLE 0 45,337 0 0
BRISTOL MYERS SQUIBB CO COM Stock 110122108 26 418 SH   SOLE 0 418 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 243 1,555 SH   SOLE 0 1,555 0 0
BARRICK GOLD CORP COM Stock 067901108 6 450 SH   SOLE 0 450 0 0
ALTRIA GROUP INC COM Stock 02209S103 3 54 SH   SOLE 0 54 0 0
DOMINION ENERGY INC COM Stock 25746U109 1 20 SH   SOLE 0 20 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 22 192 SH   SOLE 0 192 0 0
EXXON MOBIL CORP COM Stock 30231G102 307 4,120 SH   SOLE 0 4,120 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109 21 150 SH   SOLE 0 150 0 0
LOWES COS INC COM Stock 548661107 3 31 SH   SOLE 0 31 0 0
SPROTT PHYSICAL GOLD AND SILVER TRUST CEF 85208R101 20 1,506 SH   SOLE 0 1,506 0 0
SCHWAB CHARLES CORP NEW COM Stock 808513105 10 200 SH   SOLE 0 200 0 0
CROWN CASTLE INTL CORP NEW COM REIT 22822V101 4 33 SH   SOLE 0 33 0 0
BLACKROCK INC COM Stock 09247X101 5 10 SH   SOLE 0 10 0 0
ISHARES MIDCAP 400 INDEX ETF 464287507 107 569 SH   SOLE 0 569 0 0
ARRAY BIOPHARMA INC COM Stock 04269X105 4 215 SH   SOLE 0 215 0 0
FRONTIER COMMUNICATIONS CORP COM NEW Stock 35906A306 0 59 SH   SOLE 0 59 0 0
ISHARES TR MSCI EAFE FD MSCI EAFE INDEX FU ETF 464287465 89 1,276 SH   SOLE 0 1,276 0 0
APPLE INC Stock 037833100 103 612 SH   SOLE 0 612 0 0
DISNEY WALT CO COM DISNEY Stock 254687106 1 9 SH   SOLE 0 9 0 0
INSULET CORP COM Stock 45784P101 8 95 SH   SOLE 0 95 0 0