BEGIN:VCARD
VERSION:3.0
PRODID:-//Apple Inc.//Mac OS X 10.15.7//EN
N:Merritt;J. Douglas;;;
FN:J. Douglas Merritt
ORG:Ringler;
EMAIL;type=INTERNET;type=WORK;type=pref:JMerritt@RinglerAssociates.com
TEL;type=WORK;type=VOICE;type=pref:925-945-0168
ADR;type=WORK;type=pref:;;590 Lennon Lane\, Suite 180;Walnut Creek;CA;94599;
X-ABUID:FE3091DC-B092-42A8-B845-E7947F77BD2B:ABPerson
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQAASABIAAD/4QBMRXhpZgAATU0AKgAAA
 AgAAYdpAAQAAAABAAAAGgAAAAAAA6ABAAMAAAABAAEAAKACAAQAAAABAAAAfaADAAQAAAABAAAAf
 QAAAAD/7QA4UGhvdG9zaG9wIDMuMAA4QklNBAQAAAAAAAA4QklNBCUAAAAAABDUHYzZjwCyBOmAC
 Zjs+EJ+/8AAEQgAfQB9AwEiAAIRAQMRAf/EAB8AAAEFAQEBAQEBAAAAAAAAAAABAgMEBQYHCAkKC
 //EALUQAAIBAwMCBAMFBQQEAAABfQECAwAEEQUSITFBBhNRYQcicRQygZGhCCNCscEVUtHwJDNic
 oIJChYXGBkaJSYnKCkqNDU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6g4SFh
 oeIiYqSk5SVlpeYmZqio6Slpqeoqaqys7S1tre4ubrCw8TFxsfIycrS09TV1tfY2drh4uPk5ebn6
 Onq8fLz9PX29/j5+v/EAB8BAAMBAQEBAQEBAQEAAAAAAAABAgMEBQYHCAkKC//EALURAAIBAgQEA
 wQHBQQEAAECdwABAgMRBAUhMQYSQVEHYXETIjKBCBRCkaGxwQkjM1LwFWJy0QoWJDThJfEXGBkaJ
 icoKSo1Njc4OTpDREVGR0hJSlNUVVZXWFlaY2RlZmdoaWpzdHV2d3h5eoKDhIWGh4iJipKTlJWWl
 5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uLj5OXm5+jp6vLz9PX29/j5+
 v/bAEMAAQEBAQEBAgEBAgMCAgIDBAMDAwMEBQQEBAQEBQYFBQUFBQUGBgYGBgYGBgcHBwcHBwgIC
 AgICQkJCQkJCQkJCf/bAEMBAQEBAgICBAICBAkGBQYJCQkJCQkJCQkJCQkJCQkJCQkJCQkJCQkJC
 QkJCQkJCQkJCQkJCQkJCQkJCQkJCQkJCf/dAAQACP/aAAwDAQACEQMRAD8A+IP29+P25fjQf+p78
 R/+nO4r5FmuIQpjJyemOe9fUP7fUky/t1fGoKx/5HzxH3/6idx718kMzHnrVRt1ASiq7RXE77FO0
 HpjrVbUDZ6Bp82r6xcpa28C75JZGCoqjqSTVSTvcTdhbmGCNGuZGCIgLMSeAByTn2r4y1r9tLwT4
 e8XTeGzps9xZW85ha9idSGxwWWPGSM9Oea+evi3+1B4p+Il3daH4dVrDRxmIbSxkcK2d7kMo+baA
 B0C+pNeCJ4ZfWNbfzGOTmViFH3VUEtjPQDNYTxEY6I2p4VyV+h7t8U/2xfiB4huzbeAy2i2S9GXa
 8zY/iZiMLn+6PzNeHL+0H8cAA3/AAk18Qp3Dc4P8xU+r+FHPk2GjwNKlzIUjfrvIxn6c8D2Ge9cf
 qfhk2UQuXcFBwOnXJGMAn074rFYvozoqYNrbY+nfhx+2V4ssLsWfxMjGqWR6zwoI7iP3wMI49sA+
 /avtHwF8aPhv8SpfsfhXUA91gn7NMpimIHJIVvvDH90mvxsktppTiPnGeAD+PtS2F5qWjX8V9Yl4
 ri3cPHIjFWVgeCD2rWNa5y+z0P3Tu4QBvXA9ayZJ1TIJwfSvm/4LftK2PxKuoPCPiaA2WrGMBJgw
 Mdy6j5iBhdjHrt5Hoe1fTzWbN1ANdXOjmnuYUk0jLtY5zVGSQrx37VuSWfOeQTmqEtswG7HFT9or
 /Cc45yTvHzGqs0fzDaf1rUu48EAce1ZUkgU4JxTlG4SndH/0Phj9vS2jP7dPxpaQZz488R/+nS4r
 5PGnoBzn6GvtH9vCBF/bh+M7MPveOvER5/7CdxXymEUnaOc1XOyZX6HPxxRoflAFfK37YPjSLw78
 M7jw3bwxz3GoGJczY2pl/lIHdhtZs9F289RX2FcWmBuwSew9a/JX44+IpPjB8d5NHDomlaEBbh55
 DDGSvzSMzLk/M2QijnA7ZJGNWpywbZthKLq1FFHiOh/C/VtUtJdU8LiXUo7NVe9CFfKZmkChVwdx
 POQcckccc16Xqfgl9XZLOynNi8GnySwrKvlXDQsq/JIejDkqGxkr17Y/Vb9kD9hH44ftv8AhybRf
 hddWml+FrZzC2pSBo1kljw21G+eRxkA85569a+/viN/wQF/aNtfDFv4k07xJa69qVopUQoCsro42
 yIpIUbSMn69q+Sq5vTjL3nqfp+F4QrTgpRWjP509F0ifTtAsrR7S4imQ+YZoiAwjfORGSNq5DfM5
 HyjkZOAOW1Lwj4W8ValJY2ySwGGELDtiCwL0ALFvm2r3JG9254zx/dN+zB/wSz+FHgn4Q6SPi9oc
 Wp6isXzRyjmNs5KsucnBJxng9a9n8S/sefs0+ELae50PwdplvJ5RAYQqW6cEE5ryq3EKjLRXPqMH
 wQ6kFzO3yP85bxX8MNV8MyvEoa6Rf8Aloh2jJ7gEcivIb21u45P9JVg3+114r+2D9o/9m34P32ly
 3TaHbxzJNtJRFX5e2MdgD17Hr3I/C39rf8AZq+HPgO7uLjTYREGyyjOF3DJzxyAehHY969PLc6VV
 8rR85xFwZ9XjeL0PxetbvUtIvotTsZDDPC4kjdOGVlOQRX7YfDzxnp3xE8GWHi/TsBbqP8AeL/cl
 XiRPwb9K/HXVNNiS4cW3y7cnae3419r/sWeIrg6frnhOWTMUMkV3En93zAUfHsSq/jX12Hq30Pyz
 EUeR2Z9vsvB9aypFwxBq5LcHovB96pO5dtxrpnLoclOJz+qQsVLLzzXIy/fru79S8RGM9a88vJZY
 pihXGKqewuW6P/R+Pf282kH7b/xlJ6f8Jz4ix/4M7ivktSAcmvrD9vNyv7cPxmH/U8+Iv8A053Ff
 Ht3fLbj5eTWy21Oeb97Q228uWB1DYbYevbjrX4N+LPCGseGPiYvhTxTPmW8k82UoD96ds5+bGRjH
 pxxxX7VyahPcHyycA8V8B/th+F5bPWNF+ItsAgRWt55FGW+Q7lJHfjIzXFjKfuHpZbUtUSP7nv+C
 cHw68OfCL9mfwZ4O8JRCC3i06Gdm4DNNNGHdmAyMktk/lX60+C9Pi1GZftTEDB4BIzivyS/4J8+I
 X8Qfs8+D9RKhftWk2jrzuO0xAqc+pFfrL4Ca5WQKcq/AHPqce/9a/F6Ur1nzd2f1u6VsKuTTRfke
 g6/4b0+eBrgKV+XBAwc+nU18HfFrTlgjkhVcqwfkj09eh61+hs7W90JLS+dV2tx0GVI46/rivk34
 xXvgvRtOl1PW9QtbWzgDGSWSVQiqoyWLMcY610Y6jdKUTyMkxjinGoz8dPj94Mgj0T7QSojUFpSf
 mwuDkD259a/nk/bC+FF14/tZp7S6VGgUKA45YLwOn61+7/7RH7Vv7ON7bXOm+HNeGpmMMrNaqZIw
 xB4LAdfp9TX4Z+JPiXpGv6ze6DG8jxu26BjG6sy91O4cEDOPXitsshUhLmMs6q0q1Pklqfgt8QPA
 2ueFL77JdurA/MCme31A6V6r+ynZatpvjS41RZFS3uYDAVz8zEEMOMe1e4ftQeCv7PtJLqEBkU+Y
 rdSVbj16flXmnwW8H6grL4o09mSWwljS6tzwRG7Km/jtuYdfWv0TC420FNn4nj8kvXlTS6Ox9tPf
 gnLZpUu4yOSayLwAllXnFZUV2UfnpX0fLpY/PjqLiVWTcK5G7UNMc1be8APTNZs0wZ90nU1KfUib
 6H/0viv9vSUf8Nx/GhMf8z14iH/AJU7ivju5eIDfjivqb9vq+Zf26fjVH6ePPEY/wDKncV8ls/2j
 CoOe9aRXVmDS6Fd4Tv47+lcX8R/BVv408F3/hu8CkzRMYmP8EgB2kfjwfUV6ObZkj+U7cisy5ZlY
 xu2SRRHVWBNJ3P2Z/4JV/tX6D4b/Yy8Haj4yWSS60MXOg/Y4UMlxLLZPhVVQM5ETKxJ4A/T7t1b/
 gsB8MdB1u18OnwV4is2ujj7RLbMiIvQsMA7seik+1fl/wD8E7vAdl8WfhX4/wDgz4WvV0fxDNOuo
 2dygw0ZmRI5GXBH3xDtb2bnOefdPGn7CHhnVvEPhPUdWbVLfUdKaE6paNafbJdSuI9+5hcK7mKKU
 uS4RQvyIduFxX5VWwlCnXnCrLlt+p/SWXZlia2Dp1KcOa9k1dK1tHe5+1Xws/aIg+N3hiXxF4WMy
 R7mQpImCQOcjvyMf5Ffgh+2/qmv/Hb9o2H9nvQp7xRcuv2mG2ZmyjEIXYM4UBAcgAqMkDOSK/dH4
 AfDfS/ht9ktNM0M6D9rUtJA0u9nXPysw3NtPXAznB54Ax+anxv8O6J8HP23br4gJcfZH8QpBbSPG
 AXVfMAcEddrADaSAQyg5GOPApVHGdz7OpSVSHKfmr8cf2TPj98BPiTB8DfBegWVtoYsvPOszR3Hl
 TMw3AidZghxzv2xpgjaFYmu/wD2Uv2dZ/HF5fyfEmztphpcrIbiAMRMQTgYOCoxg9c471+6Wn/sw
 XvxEtft+p6zcz6dN826EKkjq2PlaRgXUHJ5HPpjvn+OPCnh34V+EJfCnguxt9OhjG59hLZDDG5i3
 LE9+a9TG432i/dx5f68zy8syKVOT558z80lZdrH8Zf/AAUF8Gp4P8e6po9omy1aV/K2/d8s4xj8v
 6ZPNeK/CDwPJonwq1r4iaMS6eIni0kwnDGGNgjzT9zgOpA9Dg9+ftH/AIKXWdpfait1pZLNBKUc8
 HAxxk4HX07V+bvwb+Juq6M6fDm2ti1peSTXFxcbiPLjRV2pgDne3qe3HNfR5VSdanGK+Z8NxBVhh
 as2+zt69D6AvEIbdXK3SMkmVFdNfX9m2DG4xycVyl5qUDMdp4FfoJ+DFaa4C8d6ypbobuTVWe+jD
 HuTmsiS9Qt1BrGUriTuf//T/Mr/AIKDa/FB+3r8cELYKeP/ABKp69tUua+RV8ZQ2rA7s+lezf8AB
 RqST/h4H8dj1x8Q/FGP/Btc18WqZiAHPJ647V1wgrGEmk9T3GX4giaPBOBWZN4pVxkncfSvI08wf
 eOas01FMcY3P12/4JPfFpfDf7XVh4elk8uPX7C6t8YzukhQ3CdPRY3r+xXw5f6NfWBmvZF80LjLH
 AP0/wAa/wA8v4I/Eab4SfFvQPiPbsyDS7tZJCv3hE4McuPfy2av63PDnxH+K3iSOz07QJYGtLmJZ
 o7wy4RoWAIwNvzHBzj/ACPzPi/DcmIjVtpJfirn9BeGeOhPCSoSesZX+TPu7xbrdvN4ttbzT2Pmr
 MgZwTgoSRtr8h/+CnmleH/h18XYPiT4v1kaYLe4gn87JwIFOflTBLEDsAWJIwDnFfad5eaB4M0xd
 B8ZeIbeTUpJDcxTSSpFKhB4ZN5HyqeMjj1r81/2uv2RvD/7SPifTvG3xD+LVvd6Zok3nfYJngZuH
 DBVSI5c5wANpJPpXx+Go+9eT0P0yriZWfJG/wCR+hH7Iv7cNh8S/gUusaxGbOeCaW33NGVjmijbb
 FKFPIEinPPt7V4b+0t8W9bm0e5GnK0iygyRurHOPYg9OnfvXxpP48134feG7DTPgX4R1fxSs00MV
 opi+yxXMkztGhUz7WMYKHzJNoVACTX358YvD91H8KZviT8QLS2sbuz03E1vav5kKsV3MAxVC2DkA
 7RnrirqU2muz2OeOJh7yj8/U/Bz4+/CHVvFfwSPxE1nLvfKbgHbwFDED3xgf57/AM+x8bP8N9YTU
 LhN9pO/lTbeWUHkMvqQe3cV/Rt8XPi1bD9jDSrGeXM7xPDgdkLuygewBHTJr+Yn4xur2wB6tOo/H
 BY/oRX3fD3Mn8z8j4z5Zx87XPp3R/iN4e8TtjRr+KdiM7M4f8VOD+lbkl3MwyD2r80Ft2DK0bFXX
 7pXgj6V7L4Q+KXi3QoRFfH+07RMArIf3qDthuSfxyPpX3R+NSprofWNxeOCcdc1kyXcu7v+H/66z
 9E8TaL4osBd6VMGzgtGfvoT1DD69+lX6Ta6nPNtH//U/Hf/AIKMf8pBvjt/2UPxP/6drmvjevsj/
 gouc/8ABQf47f8AZQ/FH/p2ua+DvHHiVvCug/2haRefcyOIo1P3dxBOT7ADJrtjpFMDoLy9s9Oh+
 06hMkEfTdIwUfmTXDaz8TPCuknbFN9rkPRYMMD/AMCzj9TXgUv9teJZzfa1cvcySNtUN0Ud8DoB2
 rqdN8MQLA1yExuIRMdMdyPrx+dR7S+wG0fHfi7xTcix0iD7BBJ/y15Z8Dk4JAH5Cv2r/wCCdn/BR
 Oy+FWi2nwH+OOreTZWsmdJ1i7cBIAcnyJ5GIAQH7rEgBSVJAxX47R28On2sjQgDyxsUkdcfL+pJN
 cHLA15PGsgBZsfiWPGf0/WvOzPAU8VD2dT/AIZntZPm9XB1VVpP1XRo/vs+H+k/BH4/abqF74m0e
 w1K41i1CZnWOZZIlwVMUnzZjzyrIevPBr2P4f3UXh7UJ4vEmmeH7SW2KsuoS6NuvpTAyvGS0OxXk
 V13LIcNvO4kV/IJ/wAE4/20viL8D/jz4X+BF5IdU8O65dxWtojyYa0uJ2CL5TE4EcjEKyHAyQRjn
 P8AYl4d8Y2vjCJo7vZD5XEwlUFgVPzkqeQRz7givzTFZbUwVXuujP6E4b4hw+ZUJU5JX6p9P+AfP
 esaHf8AiX4kP4zkN9qDlnWO+uozGY7YtvNvAg4hhLclQTk8nmvE/wBun4jp4Y+DGq2F3PHClzAYM
 Myrz0xk45GOnWvsf4r+K7PwlpY1qO+X7OkXBxjB4OSAc89AK/lW/wCCln7WNv4/1WD4deGr37QsT
 G4vXQ8BySVTqRx+nrk1lRwcq1Xmkzs4hzGlh6SVNLa1krfLsfFnx4+L0fiHQtL+H2gzA2tlHiVgc
 guc8Ke/Xn09xX5qfGnTri1+wJN9+TfLzxnOMkD07D6V9A+F9O1Dx94sTQNHB2xNm4m7RrxkZ7uew
 7da8n+PN/aa58S76CywbexIs48DjEIwxHP94mv0HKMByr2jXofhXEOZuf7tO7e/lbp/mfP2j6TJO
 /CFjj3/AC4r0238BJq2jG400ML+0ZgFTPKjkD16GtDw3pUSOoKnOcdv8a9S0GzjibUbQD7kkZHZs
 sgJx+XrXtpNnxbfY+WBDfabffbLR5Le5Q5bb8rBh1/DPavT9L+LuoW9qItXtTPKP44iEz/vA9/p+
 QruvE/gUapJ5tkQku0HnucEnJ9q8ZuvD15bzGOSDJ9QOtL3gqU1bU//1fx5/wCCi6n/AIeC/HZvX
 4h+KMf+Da5r88vHUQvXtbLG4ksQPc4H+fxr7r/4KPagY/8Agob8eY9xG34ieKP/AE7XVfB+rTxi9
 iuHJJ2ttwehUMf1OK7PskqepzkWjxQszQ8JGNg47nIP49fzroEghtpVRkBEa5P+997p9cflVq3h2
 xRwADGS7H/EfQVQe5kKSyTkZf5SQOmRu5z+FYxlc11iR6kYjp62kf3pX5I5IxnGPz/SsjS7bzNTW
 5EbFFBIJ4yegx24FWblSm2FeWVTn6kZzx7mqmgGezumjzjcpcIuOQDz8p7damoQc7qeqXnh74jaR
 4n0d9lxYXEU8bEfdkjYMpP0YZ61/drbLe/tD/s++Hf2qvgnf/YtV1fSor6/tkTzYppETbcgRkria
 N1dThhkgBhk5r+Gd9Kj1G8n1K4GPIQlMDAyB2H07+1f1Jf8EMv2qtIsf2cPiD8I/HUryR+BLebxP
 axbd8jaY6Mb1EXq3lyoHC9P3x9aVShCrF06iumd2ExlTD1VUpuzR4l+1FqHx08a+Gbmyl8bM9qzF
 Ps8VutrKChIKnDE8c59PWvyNt/2Qvin4+8xtDtZhZs5WS/YEqT1IjYj94/qQSo+vA/qa0DwV4S/a
 BOm+NfGvhc+Vrts95dm80gww2ZPlyJatdpI0ZMO7YzSjMgHyjGRX0hJ8Pfhpr3hmHWfBklre6anm
 W8ZtdpgQwsY2VMdNhVh0GMY4rzcDw0qM7yldelvvPrM04s9vH3Y8r73v9x/Lh4Q/Zf0r4BeDLzxD
 rMYjisYZLiVjjLbBuJJOSTnrX4WR6bdy3JurtQ8jMWdiCSXY5Ynnuea/qf/AOCqur2nhH4JXGm6b
 +6XWbmOx6YLIcu4HHA2rjPbPvz/ADff2XO9o+o+YsZ4yGJzyPTH/wBevarJXSR8NKV9WY2maVcRu
 mIvx2n+X+RXVWNs0WrX6SKA5S3kGQBn5ZFyB9R7fSrWjaeSguftKkHnO1iRn8KrSMYvFk1sGBxZR
 HpzlZGA4OOfmrLQRfliVvNI3fKre+MjCjP41x5tUhXO0nJ/oD/WvQLndDDc5+ZVGBnrnK/55rnbt
 98UY8vOMnjPfFVfWwpp7H//1vwq/wCCk140X/BRH49rxgfEfxV/6d7qvg27uJJdSgY4fE0a4+uQf
 /Qq+0/+Cl0rn/goz8f0zx/wsfxUP/KvdV8OqGN8JtxzGYpB9fMXiuqXwi+0z0eabyVupIvmTiNf0
 HAPtVBYxmIbTjIY+uDz+eKfdJ5Nmisd2+Tnt6D+tRzykCW5/wCA7e2Mhf5VmtdS+bSxRMk0kbOoz
 kDA6jk5PP0H51OtklvNI0wDyRqAB7Ljn8Rn6VUfiD5ON4ZznnvjH0rSMvywkgEvFyffbjNJdmS2r
 XZWvbhnlgJOBIoBxz0JXGPpiu0+GHxG8U/CDxAvjTwq/l3MVteWTIwyssd7bSQlHjB+dSzrlOQ20
 CuWYCBIyfm6jmiXVZLCd9YVFd7V0nCnozQkSrn8Rj6GnCWqY09j+pL9o74yeFfgV+zh4H8S+Em0W
 017xNpK6hdwqJI3aNp0aMQxp92HCDg8hgBnrX53f8EuPjf8cNX/AGm/E9rp2lNb/D/xRFL5/meb5
 P8AakGXDW8j8eZglJRwDwBjaor6I/ZW/sX9tT4K2Xwa+J2nxtqmhaJZrY+IZHee9UMN6iUMyiQIV
 GBlcgkHIOB98f8ABP1tI8Cah8YP2a4NOt7rSPh349v20eV0VXhTUILa+ZAAOAkly4GDjbgYFelLQ
 fNpY/FT/gsz4+i1X41eHvhfYyh00XSxdTbcEGe/dm9e0SJ19a/JD7ALu0lI/wBWnykYPCg8Y6Z//
 XX1h/wUD8UXviz9tL4k63fqqSLqs0CKnCotviFNo7cR5+p/P5TjupYIYo4z9/OSeehKj8gP1rgqT
 vIkuWdq8NuqiIZHAwGOfwz/AErznULlLT4mRW/TNjKGA5Iw6kZHbPbOM+9auv6zqrauvhHTJ2tAq
 ktOvzPsVtu1c8KffnHp3qTTtE0zSE8ixjId3YSyOS7yEHq7Hkn8aRPNrY3pQTDOCPvsAfXdnnqfa
 saYyAr5jbTtPBH+03vXQXIMMkuTn94B6dCayXuSXGcn5R39z7VUb9CFUZ//2Q==
END:VCARD
