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      <GeneralExplanation>
        <Identifier>Pt VI, Line 15</Identifier>
        <Explanation>DETERMINING COMPENSATION WAS REVIEWED AND APPROVED BY THE BOARD OF TRUSTEES</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI, Line 19</Identifier>
        <Explanation>PURSUANT TO ERISA</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990EZ, Part II, Line 24</Identifier>
        <Explanation>INVESTMENTS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part IX, Line 24f</Identifier>
        <Explanation>FUND NURSE EXPENSES</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>