cliffwater direct lending index

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<< /Lang (EN-US) << /Pg 25 0 R /K 1392 endobj /K 387 /K [37 4670 0 R] 2773 0 obj /S /P << /Pg 24 0 R >> << /Lang (EN-US) /K 10 /P 10 0 R >> 1748 0 obj /S /Artifact << endobj /K 54 /P 5655 0 R /Lang (EN-US) /S /Artifact endobj /K 1384 /Pg 25 0 R 3376 0 obj /Pg 18 0 R >> >> /P 6656 0 R endobj endobj 3421 0 obj endobj 1194 0 obj /S /P /Lang (EN-US) /Rotate 0 3564 0 R null null null 3565 0 R null null null 3566 0 R null /Lang (EN-US) /K 1469 /S /P /K 994 endobj endobj 1860 0 obj /Lang (EN-US) 1531 0 obj /K 690 endobj >> << << /K 1065 /P 5905 0 R /S /Artifact /P 4818 0 R /Pg 23 0 R endobj /K 828 /S /Artifact << 3440 0 obj >> /Pg 17 0 R 506 0 obj endobj /S /Artifact 1367 0 obj >> /P 10 0 R /S /Artifact << /S /P << endobj endobj /S /P << /K 1256 /MediaBox [0 0 612 792] >> /Pg 24 0 R /S /Artifact << 4071 0 obj >> endobj /P 10 0 R /S /Artifact /S /Artifact 3927 0 R 3928 0 R 3929 0 R 3930 0 R 3931 0 R 3932 0 R 3933 0 R 3934 0 R 3935 0 R 3936 0 R 4093 0 obj /S /P << /K 138 /Pg 22 0 R 2600 0 obj endobj << << /K 1297 /K 8 1751 0 obj /T () /K 614 << >> >> << /Pg 19 0 R /Pg 25 0 R >> /Lang (EN-US) 3166 0 obj << /Lang (EN-US) /S /P /K 1364 /S /P /K 327 >> 2038 0 obj 3180 0 obj endobj endobj >> /Pg 25 0 R /S /P /K 728 /Pg 23 0 R 246 0 obj << /Pg 18 0 R The Cliffwater Direct Lending Index, or CDLI, is an asset-weighted index of 11,884 directly originated middle market loans totaling $264 billion as of September 30, 2022. /P 6593 0 R endobj >> /Pg 21 0 R /Lang (EN-US) >> /Lang (EN-US) endobj >> /K 1438 /P 5151 0 R /Pg 22 0 R /Pg 24 0 R /K 128 >> /P 5079 0 R /S /P << /Pg 22 0 R /S /P /K 1522 << /S /P 1740 0 R null 1741 0 R null null null 1742 0 R null null null /S /Artifact /Lang (EN-US) >> >> /Pg 25 0 R /Pg 23 0 R /S /P >> /Pg 23 0 R /K 1100 >> >> endobj /S /P 12 0 obj << >> 3146 0 obj /S /P endobj << /Lang (EN-US) << /K 633 /K 61 endobj /Lang (EN-US) << /K 1505 /K 1088 2029 0 obj /S /P /K 532 >> /P 6202 0 R >> endobj /S /Artifact null 2735 0 R null 2736 0 R null null null 2737 0 R null 2738 0 R 4055 0 obj << 1254 0 obj endobj << /K 1449 endobj >> /P 6253 0 R /Pg 23 0 R /S /Artifact endobj /S /Artifact null 841 0 R null 842 0 R 843 0 R null 844 0 R null 845 0 R null /Pg 22 0 R /Lang (EN-US) endobj /S /P /Lang (EN-US) /K 648 >> /S /Artifact endobj /S /Artifact /Lang (EN-US) 3700 0 obj >> /Pg 23 0 R << << 3605 0 obj /Pg 25 0 R 1956 0 R null 1957 0 R 1958 0 R null 1959 0 R null 1960 0 R null 1961 0 R /K 4 /P 96 0 R /Pg 18 0 R 1228 0 obj /Lang (EN-US) /Lang (EN-US) endobj >> /Lang (EN-US) /K 101 << /K 603 endobj >> 1003 0 obj /Lang (EN-US) /S /Artifact 3553 0 obj 1280 0 obj /Lang (EN-US) endobj /K 1429 /Lang (EN-US) 777 0 obj 3689 0 obj /P 10 0 R >> /Pg 25 0 R << >> /K 1042 >> /Pg 23 0 R 1125 0 obj /S /Artifact /K 46 942 0 obj /S /Table /Pg 24 0 R >> 376 0 obj 850 0 obj endobj /S /Artifact /Pg 25 0 R /K 300 endobj >> /P 5382 0 R null 2810 0 R null 2811 0 R null 2812 0 R null 2813 0 R null 2814 0 R /Pg 22 0 R /P 6406 0 R /K 944 endobj /P 4908 0 R << >> J.P.Morgan, Guide to Alternatives, 2Q 2020. /S /Artifact >> >> endobj null null null 3763 0 R null 3764 0 R null 3765 0 R null 3766 0 R /Pg 18 0 R /S /Artifact >> endobj /S /Artifact endobj /S /P << 917 0 obj /Pg 24 0 R << >> /S /P >> /S /P << /S /P endobj << 2951 0 obj /S /P /S /P endobj /S /Artifact 3970 0 obj /P 6330 0 R /Pg 23 0 R << /S /P endobj 134 0 obj << 347 0 obj >> /S /Artifact /Lang (EN-US) 2758 0 obj <> >> endobj /P 6753 0 R 894 0 obj /K [54 55 56 57] endobj /K 1429 <> 2295 0 obj /K 38 2897 0 obj /S /Artifact /P 10 0 R /K 1309 >> endobj null 721 0 R null 722 0 R 723 0 R null 724 0 R null 725 0 R null >> /Lang (EN-US) null 2908 0 R null 2909 0 R null 2910 0 R 2911 0 R null 2912 0 R null /S /Artifact >> /P 4915 0 R endobj << /K 1530 endobj >> /P 5482 0 R /S /P /K 1531 565 0 obj endobj >> /Pg 25 0 R /K 1227 null 3622 0 R null 3623 0 R null 3624 0 R null null null 3625 0 R (12-month) Source: Morningstar, Cliffwater Direct Lending Index, Morningstar LSTA US Leveraged Loan Index. 476 0 obj /Pg 22 0 R << >> >> 728 0 obj 3809 0 obj /Lang (EN-US) << /Lang (EN-US) << << 2076 0 R 2077 0 R 2078 0 R 2079 0 R 2080 0 R 2081 0 R 2082 0 R 2083 0 R 2084 0 R 2085 0 R >> 2747 0 obj /Pg 22 0 R 3390 0 obj We are proactive with our advice and recommendations to clients so they may achieve desired outcomes. /P 5893 0 R >> 3333 0 obj /Lang (EN-US) /S /P endobj /S /Artifact << /S /Artifact >> endobj /S /Artifact /Pg 23 0 R 3842 0 obj >> /K 98 /K 1550 endobj /Lang (EN-US) endobj endobj >> >> /Lang (EN-US) /S /Artifact /S /P /K 998 endobj >> /Pg 22 0 R /Pg 13 0 R /Lang (EN-US) /K 9 /P 5450 0 R >> /K 695 /S /P /P 5006 0 R 317 0 obj << >> /Lang (EN-US) /K 1204 2495 0 obj endobj /Pg 26 0 R >> endobj /S /P >> /Pg 25 0 R /K 140 /K 155 /K 243 /S /P /Pg 24 0 R endobj /K 81 /P 4834 0 R /P 5611 0 R /K 1015 /P 5442 0 R /S /Artifact << /S /P endobj endobj /K 1530 >> /K 953 /K 1343 endobj >> 119 0 obj 4620 0 R 4621 0 R 4622 0 R 4623 0 R 4624 0 R 4625 0 R 4626 0 R 4627 0 R 4628 0 R 4629 0 R /Pg 24 0 R /Pg 20 0 R << /Pg 24 0 R 4154 0 R 4155 0 R 4156 0 R 4157 0 R 4158 0 R 4159 0 R 4160 0 R 4161 0 R 4162 0 R 4163 0 R /P 5472 0 R /Pg 22 0 R 846 0 obj /K 185 endobj endobj /K 1314 /S /P /P 5255 0 R 4162 0 obj /Lang (EN-US) /Lang (EN-US) << 4192 0 obj 1233 0 obj endobj endobj << /Lang (EN-US) << >> 2191 0 obj >> /Pg 24 0 R >> >> /P 5305 0 R /P 5280 0 R /Pg 24 0 R << endobj >> endobj /K 551 << endobj << endobj null null null null null 424 0 R null null null null /P 6607 0 R endobj 3704 0 obj /P 6063 0 R >> /P 5490 0 R /K 70 endobj /Pg 25 0 R /S /P /K 316 /Pg 22 0 R /Pg 23 0 R /Lang (EN-US) /P 5742 0 R >> << /Pg 23 0 R << 4102 0 obj endobj << /Lang (EN-US) /Pg 23 0 R /Lang (EN-US) /S /P /S /P << /S /Artifact endobj /Pg 22 0 R 2247 0 obj << 2106 0 R 2107 0 R 2108 0 R 2109 0 R 2110 0 R 2111 0 R 2112 0 R 2113 0 R 2114 0 R 2115 0 R 4308 0 obj /P 6170 0 R /Lang (EN-US) /P 5811 0 R >> /K 794 /Lang (EN-US) Conclusion Our study finds that 2022 fee rates for direct lending private partnerships will average 3.56%, consisting of 3.14% for management fees and 0.42% for fund expenses. << /K 1197 >> << 2763 0 obj /Pg 25 0 R /S /P /P 6222 0 R >> /Pg 13 0 R << /S /P >> /S /Artifact /K 1114 endobj << >> /S /P >> >> /Pg 23 0 R /S /P >> 4301 0 obj << 3102 0 obj /Pg 24 0 R << >> >> /Pg 25 0 R endobj /Pg 24 0 R >> 257 0 R 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R 264 0 R 265 0 R 266 0 R >> /S /P /S /P /S /Artifact /K 1208 /Lang (EN-US) >> /S /Artifact /S /P << /S /Artifact << /S /Artifact /S /P << << /S /P /K 264 endobj /Lang (EN-US) endobj <> endobj /S /Artifact >> >> >> /Lang (EN-US) /Pg 18 0 R /Lang (EN-US) 4195 0 obj /Pg 18 0 R /P 6026 0 R endobj /S /Artifact /Lang (EN-US) /Lang (EN-US) /K 1105 << /S /Artifact >> /K 1273 /Pg 15 0 R /Lang (EN-US) << >> /Lang (EN-US) /K 1072 /S /Artifact /P 5 0 R >> /S /P /P 5965 0 R >> /Pg 24 0 R /Lang (EN-US) /P 5638 0 R /K 1293 /Lang (EN-US) /S /Artifact << endobj 2513 0 obj 343 0 R 344 0 R 345 0 R 346 0 R 347 0 R 348 0 R 349 0 R 350 0 R 351 0 R 352 0 R /K 1475 187 0 obj /K 1521 /Lang (EN-US) >> /S /P >> endobj /K 1472 /Pg 23 0 R /Pg 23 0 R 2988 0 obj endobj /Pg 22 0 R /K 1399 4056 0 obj /K 406 endobj /S /P endobj endobj /S /P /Lang (EN-US) /K 798 /S /Artifact /S /P /K 872 >> /Pg 23 0 R /K 1177 3181 0 obj endobj << 1162 0 obj 85 0 obj /P 6410 0 R << << << 247 0 R 248 0 R 249 0 R 250 0 R 251 0 R 252 0 R 253 0 R 254 0 R 255 0 R 256 0 R endobj >> endobj 631 0 obj 3168 0 obj /S /P >> /Pg 15 0 R endobj >> /S /Artifact << >> >> 1061 0 obj 1621 0 obj 1931 0 obj endobj >> >> endobj /K 1424 227 0 R 228 0 R 229 0 R 230 0 R 231 0 R 232 0 R 233 0 R 234 0 R 235 0 R 236 0 R /Pg 25 0 R /P 6249 0 R endobj /S /P /Pg 25 0 R >> /CropBox [0 0 612 792] 369 0 obj 4319 0 obj >> /S /Artifact endobj /Lang (EN-US) >> /P 6057 0 R /S /Artifact endobj /K 1090 /P 6365 0 R >> /S /Artifact /S /P >> /P 6674 0 R 1433 0 obj >> /P 6093 0 R endobj <> >> 3793 0 obj >> /Lang (EN-US) /Lang (EN-US) /S /Artifact endobj << V4$)Nj2#(Q)b{+M~j$SB?B4dfnX. endobj /K 1245 endobj endobj >> /S /Artifact endobj << /Pg 23 0 R >> 1208 0 obj /K 325 endobj 1979 0 obj /K 1419 1737 0 obj 2966 0 obj /S /P /Lang (EN-US) /S /Artifact << /K 632 << /Pg 25 0 R << endobj >> /K 718 /P 6041 0 R 3946 0 obj 137 0 obj 1236 0 obj /Lang (EN-US) /Pg 22 0 R 1956 0 obj >> 4113 0 obj /P 5985 0 R /K 155 /S /Artifact 2607 0 obj endobj 1794 0 obj /Pg 24 0 R 168 0 obj /Lang (EN-US) >> /S /P /Pg 13 0 R >> /Pg 22 0 R endobj /S /P /Pg 20 0 R << << /K 1145 /Pg 22 0 R 4037 0 obj endobj /Lang (EN-US) 4044 0 obj << 2310 0 obj /Pg 23 0 R /P 6146 0 R /K 1322 endobj << /Pg 24 0 R /K 562 /Pg 25 0 R /Pg 23 0 R /Lang (EN-US) /S /Artifact /S /P ^+JA?\WDK /Lang (EN-US) << 852 0 obj /K 1139 << endobj /K 46 /Pg 15 0 R /S /Artifact /K 27 /P 6459 0 R /Pg 23 0 R /Pg 25 0 R >> 3877 0 obj /S /Artifact /K 105 /K 1110 endobj endobj /S /Artifact /K 1109 /K 1294 /Pg 23 0 R /S /P >> endobj /K 50 << 1946 0 obj 1651 0 obj 3598 0 obj << /S /P endobj /K 1512 << >> endobj 532 0 R null 533 0 R 534 0 R 535 0 R 180 0 R 181 0 R 182 0 R 183 0 R 184 0 R /S /P /Pg 24 0 R /Pg 25 0 R /P 10 0 R /K 387 /Pg 23 0 R 3064 0 obj 1765 0 obj 3524 0 obj /Pg 25 0 R /Lang (EN-US) /Pg 22 0 R 662 0 obj /Lang (EN-US) /S /Artifact /Lang (EN-US) /Pg 24 0 R /Pg 16 0 R >> >> /Pg 23 0 R >> /P 6020 0 R >> /Pg 26 0 R << /Lang (EN-US) 121 0 obj <> >> /Lang (EN-US) << >> /S /Artifact /P 146 0 R /P 6524 0 R endobj endobj /S /P /S /P /Pg 25 0 R >> << /Pg 13 0 R null null null 1891 0 R null null null 1892 0 R null 1893 0 R /Pg 25 0 R << >> << /K 1517 /S /Artifact /S /P /Pg 25 0 R >> << /Lang (EN-US) null 3439 0 R 3440 0 R null 3441 0 R null 3442 0 R null 3443 0 R null endobj 2326 0 obj endobj >> >> << 4117 0 obj /K 959 >> /Lang (EN-US) endobj <> >> /K 399 endobj /K 1430 /S /P /S /P /Pg 18 0 R /Lang (EN-US) /S /Artifact endobj /P 4713 0 R /P 10 0 R 4199 0 obj << 245 0 obj >> /P 5933 0 R /K 344 endobj null null 3493 0 R null null null 3494 0 R null 3495 0 R null /K 181 3516 0 obj /Lang (EN-US) /S /P /K 521 >> /Pg 24 0 R endobj /Lang (EN-US) /Pg 24 0 R /Pg 24 0 R << >> endobj >> >> 1342 0 obj /K 1273 >> /K 104 >> endobj /K 1351 1185 0 obj 1300 0 obj 518 0 obj /Pg 23 0 R endobj /K 253 /P 5216 0 R /Pg 22 0 R >> /K 0 /Pg 22 0 R /K 1508 /P 5858 0 R /K 702 over the past several years as direct lending strategies have accounted for a larger portion of fundraising. /P 6534 0 R 2786 0 obj endobj 2680 0 obj << << /Pg 25 0 R << /S /P endobj /S /P >> endobj endobj /Pg 24 0 R << 3155 0 obj << << /S /P /Lang (EN-US) /P 10 0 R /S /Artifact << >> endobj /S /P >> endobj /S /P /S /Artifact /S /Artifact << /Lang (EN-US) /Lang (EN-US) /Pg 22 0 R /Pg 25 0 R 784 0 obj << /Pg 22 0 R /Pg 24 0 R >> /K 1505 endobj /Lang (EN-US) 2812 0 obj >> Get the latest insights and knowledge delivered to your inbox. /K 1249 /K 79 /Lang (EN-US) endobj /S /Artifact 1506 0 obj /Pg 23 0 R /Lang (EN-US) /S /P /Lang (EN-US) /Annots [4366 0 R 4367 0 R 4368 0 R] 2038 0 R 2039 0 R 2040 0 R 2040 0 R 2041 0 R 2042 0 R 2043 0 R 2044 0 R 2045 0 R 2045 0 R /Pg 24 0 R >> /Lang (EN-US) >> /Pg 25 0 R >> << << 2734 0 obj << endobj /Pg 20 0 R endobj /Pg 21 0 R /S /P 1565 0 obj << endobj >> << /Lang (EN-US) 1174 0 obj /S /Artifact << 2020 0 obj /Pg 24 0 R /K 1146 >> 1 The Cliffwater Direct Lending Index (the "CDLI") seeks to measure the unlevered, gross of fees performance of U.S. middle mar ket corporate loans, as represented by the underlying assets of Business Development Companies ("BDCs"), including both exchange-traded and unlisted BDCs, subject to certain eligibility requirements. /Lang (EN-US) /Pg 15 0 R 2281 0 obj endobj /P 5754 0 R <> /S /Artifact >> /K 1452 /S /P 2615 0 R null 2616 0 R null 2617 0 R 2618 0 R null 2619 0 R null 2620 0 R /Pg 25 0 R 1898 0 obj 718 0 obj >> /S /P << << >> /S /P << >> /P 6694 0 R /S /Artifact /K 1259 990 0 obj null 876 0 R null 877 0 R null null null 878 0 R null 879 0 R /Pg 22 0 R /Pg 18 0 R /S /Artifact /P 4993 0 R 2844 0 obj /P 10 0 R /P 6505 0 R 682 0 obj endobj << endobj /S /P endobj 214 0 obj /Pg 25 0 R /Lang (EN-US) /S /P << /Pg 19 0 R /S /Artifact >> endobj /S /Artifact endobj /Pg 25 0 R /S /P /K 1015 /P 4733 0 R >> endobj /P 5424 0 R 2562 0 obj >> /S /Artifact /Pg 25 0 R 3007 0 obj /S /Artifact /S /Artifact /Pg 25 0 R endobj /K 747 endobj /K 1358 >> << /Pg 24 0 R /S /P /S /P endobj /S /Artifact /Lang (EN-US) /Pg 13 0 R << endobj /Lang (EN-US) << endobj << endobj endobj /S /P /Pg 25 0 R /Pg 24 0 R endobj /P 10 0 R /Pg 24 0 R >> 1740 0 obj /Pg 22 0 R /K 1454 /Lang (EN-US) endobj null 1071 0 R null 1072 0 R null 1073 0 R null 1074 0 R null 1075 0 R endobj 3536 0 obj 104 0 obj /S /Artifact /Pg 22 0 R /Lang (EN-US) /P 10 0 R PRIVATE DEBT - Yield, Safety and the Emergence of Alternative Lending: Opportuni - 36.01. /P 4927 0 R << endobj /K 549 >> /Pg 18 0 R << <> >> /K 29 endobj /S /Artifact /Pg 22 0 R >> << /S /P /K 221 /K 22 /Pg 24 0 R /Pg 20 0 R endobj /S /P >> /Pg 25 0 R /Pg 22 0 R 1814 0 obj 1411 0 obj 4131 0 obj >> /S /P /K 1126 /P 6147 0 R 1897 0 obj /P 5789 0 R 1594 0 obj /S /P /K 46 << /S /P /K 905 /Pg 22 0 R >> endobj /K 584 >> /K 104 /K 1127 /Pg 24 0 R 3496 0 R null 3497 0 R null 3498 0 R null 3499 0 R 3500 0 R null 3501 0 R << /S /P /K 1354 /Pg 23 0 R << << /S /Artifact /Lang (EN-US) /Pg 23 0 R 3432 0 obj endobj /Lang (EN-US) /K 166 /P 5459 0 R 3805 0 obj << /K 1268 /P 4878 0 R endobj /Tabs /S >> endobj /Parent 9 0 R 2000 0 R null 2001 0 R null 2002 0 R null 2003 0 R null 2004 0 R null 2771 0 obj /K 2 /K 428 >> /Lang (EN-US) 956 0 obj endobj endobj >> /Lang (EN-US) >> << /Pg 24 0 R 2845 0 obj 3642 0 obj /K 279 792 0 obj /S /Artifact /K 460 /P 6335 0 R /Pg 24 0 R /Lang (EN-US) /K 46 2084 0 obj /P 6087 0 R /K 171 >> /S /P /Pg 25 0 R /K 7 /Pg 19 0 R endobj << /S /Artifact /P 5691 0 R << /S /Artifact /K 1426 <> /Pg 24 0 R 1788 0 obj >> /K 1321 >> 2156 0 obj /Lang (EN-US) /K 631 /P 6287 0 R 1707 0 obj 2873 0 obj 1013 0 obj /P 5314 0 R endobj /Pg 23 0 R 797 0 R null 798 0 R null 799 0 R null null null 800 0 R null null 1705 0 R null null null 1706 0 R null null null 1707 0 R /K 1442 /P 10 0 R >> /S /P /K 743 /Lang (EN-US) /Lang (EN-US) >> /Pg 16 0 R /Lang (EN-US) 2245 0 obj >> /S /P endobj /Pg 22 0 R /S /P /Pg 24 0 R 2441 0 obj <> << /Lang (EN-US) >> 3661 0 obj /Pg 23 0 R /K 1436 << /Pg 25 0 R /Pg 24 0 R >> << 769 0 obj /K 734 /S /P >> endobj >> 825 0 obj 1350 0 obj /S /P /Pg 24 0 R /Pg 24 0 R >> /Lang (EN-US) endobj 1139 0 obj endobj /Pg 13 0 R /K 295 endobj >> /S /P << /Lang (EN-US) endobj /Pg 18 0 R /S /P /Pg 25 0 R /K 426 4245 0 obj << /K 634 /Pg 17 0 R << 2149 0 obj /Pg 19 0 R /Lang (EN-US) 1986 0 obj endobj /S /P /Pg 23 0 R /K 1287 /S /Artifact 4331 0 obj /K 109 <> /Lang (EN-US) >> 4299 0 obj /Pg 24 0 R << << 2571 0 obj /Pg 22 0 R endobj /Pg 22 0 R << >> >> endobj /S /Artifact endobj >> 3302 0 obj >> /Lang (EN-US) << /Pg 13 0 R /S /P /K 65 2711 0 obj /K 296 51 0 R 51 0 R 51 0 R 51 0 R 51 0 R 60 0 R 60 0 R 60 0 R 60 0 R 67 0 R >> /Lang (EN-US) /P 10 0 R << /S /P >> << /P 6145 0 R /S /Artifact null 3710 0 R null 3711 0 R null 3712 0 R null 3713 0 R null null /P 5194 0 R << /S /Artifact endobj /K 323 /S /P /Lang (EN-US) << /K 119 endobj << << /K 1444 Patrick Wolfe, Managing Director, is a member of Blackrock's Global Credit Platform. endobj 284 0 R 285 0 R 286 0 R 287 0 R 288 0 R 290 0 R 291 0 R 292 0 R 293 0 R 294 0 R endobj /S /Artifact endobj /Lang (EN-US) /P 5726 0 R /S /P endobj endobj /Pg 23 0 R << /K 25 endobj /Lang (EN-US) 3312 0 obj /K 69 >> /S /Artifact << endobj << >> 1359 0 obj /K 106 << endobj << >> endobj << >> endobj 1240 0 obj << 2378 0 obj >> endobj /Pg 24 0 R endobj /Pg 25 0 R endobj << /Pg 13 0 R endobj >> /Pg 23 0 R /Pg 18 0 R /Pg 23 0 R 4254 0 R 4255 0 R 4256 0 R 4257 0 R 4258 0 R 4259 0 R 4260 0 R 4261 0 R 4262 0 R 4263 0 R /Pg 15 0 R << /S /Artifact endobj /K 1469 /S /P >> /Pg 19 0 R endobj >> endobj /K 921 >> 1268 0 R 1269 0 R 1270 0 R 1271 0 R 1272 0 R 1273 0 R 1274 0 R 1275 0 R 1276 0 R 1277 0 R /S /P /Pg 18 0 R /Lang (EN-US)