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
Alphabet Inc CAP STK CL C 02079K107 12,775 4,574 SH   SOLE   4,574 0 0
Berkshire Hathaway Inc Del CL B NEW 084670702 5,189 14,703 SH   SOLE   14,703 0 0
Booking Holdings Inc COM 09857L108 64,479 27,456 SH   SOLE   27,456 0 0
Copart Inc COM 217204106 54,513 434,473 SH   SOLE   434,473 0 0
Costar Group Inc COM 22160N109 30,070 451,431 SH   SOLE   451,431 0 0
Credit Accep Corp Mich COM 225310101 23,319 42,369 SH   SOLE   42,369 0 0
D R Horton Inc COM 23331A109 44,908 602,713 SH   SOLE   602,713 0 0
Fastenal Co COM 311900104 36,603 616,210 SH   SOLE   616,210 0 0
First Rep Bk San Francisco C COM 33616C100 57,705 355,982 SH   SOLE   355,982 0 0
Graco Inc COM 384109104 12,284 176,194 SH   SOLE   176,194 0 0
Heico Corp New CL A 422806208 66,581 524,964 SH   SOLE   524,964 0 0
ISHARES TR MBS ETF 464288588 1,108 10,879 SH   SOLE   10,879 0 0
Landstar Sys Inc COM 515098101 40,356 267,557 SH   SOLE   267,557 0 0
Markel Corp COM 570535104 9,920 6,724 SH   SOLE   6,724 0 0
Moodys Corp COM 615369105 47,806 141,685 SH   SOLE   141,685 0 0
MSCI Inc COM 55354G100 15,366 30,556 SH   SOLE   30,556 0 0
NVR Inc COM 62944T105 59,660 13,355 SH   SOLE   13,355 0 0
Old Dominion Freight Line In COM 679580100 52,442 175,579 SH   SOLE   175,579 0 0
Primerica Inc COM 74164M108 46,892 342,725 SH   SOLE   342,725 0 0
Schwab Strategic Tr INTRM TRM TRES 808524854 9,984 187,484 SH   SOLE   187,484 0 0
Schwab Strategic Tr SHT TM US TRES 808524862 44,977 907,894 SH   SOLE   907,894 0 0
Schwab Strategic Tr US AGGREGATE B 808524839 278 5,497 SH   SOLE   5,497 0 0
Schwab Strategic Tr INTL EQTY ETF 808524805 135 3,684 SH   SOLE   3,684 0 0
Schwab Strategic Tr US BRD MKT ETF 808524102 231 4,336 SH   SOLE   4,336 0 0
SPDR Gold Tr GOLD SHS 78463V107 6,223 34,450 SH   SOLE   34,450 0 0
Stepan Co COM 858586100 495 5,010 SH   SOLE   5,010 0 0
Vanguard Intl Equity Index F ALLWRLD EX US 922042775 1,110 19,273 SH   SOLE   19,273 0 0
Vanguard Malvern Fds STRM INFPROIDX 922020805 13,256 258,847 SH   SOLE   258,847 0 0
Vanguard Scottsdale Fds SHORT TERM TREAS 92206C102 290 4,893 SH   SOLE   4,893 0 0
Vanguard Star Fds VG TL INTL STK F 921909768 101 1,684 SH   SOLE   1,684 0 0
Vanguard Index Fds TOTAL STK MKT 922908769 92 404 SH   SOLE   404 0 0
Veeva Sys Inc CL A COM 922475108 17,992 84,683 SH   SOLE   84,683 0 0
Verisign Inc COM 92343E102 31,081 139,716 SH   SOLE   139,716 0 0