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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deferred-geometric-gradient-annuities/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/solving-for-base-payments-and-growth-parameters/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/decomposing-level-payments-and-arithmetic-gradients/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/piecewise-arithmetic-payment-gradients/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/piecewise-geometric-payment-growth/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/varying-payments-under-changing-interest-rates/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/varying-annuities-at-irregular-payment-dates/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/recursive-valuation-of-varying-payment-streams/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/translating-fixed-increments-and-percentage-growth/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/worked-problems-on-arithmetic-gradient-annuities/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/worked-problems-on-geometric-gradient-annuities/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/common-errors-in-varying-annuity-calculations/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/integrated-varying-annuity-valuation-problems/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/timelines-for-level-payment-loans/</loc>
		<lastmod>2026-11-11T00:34:51+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-level-payment-formula/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/calculating-a-scheduled-loan-payment/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/building-a-period-by-period-amortization-table/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/splitting-each-payment-into-interest-and-principal/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-balance-recurrence-for-an-amortizing-loan/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/a-closed-form-balance-after-any-number-of-payments/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/outstanding-balance-as-the-value-of-unpaid-payments/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-the-two-balance-formulas-agree/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-first-payment-in-an-amortization-schedule/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/balances-immediately-before-and-after-a-payment/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-principal-portions-grow-geometrically/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-interest-charges-decline-over-time/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/cumulative-principal-repaid/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/total-interest-over-the-life-of-a-loan/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/recovering-the-original-principal-from-a-schedule/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-the-loan-term-from-the-payment/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/matching-the-rate-period-to-the-payment-period/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/amortization-at-zero-interest/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/schedules-with-payments-in-advance/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/comparing-annual-and-monthly-payment-schedules/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/how-rate-and-term-affect-the-schedule/</loc>
		<lastmod>2026-11-11T00:34:52+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/rounding-payments-and-adjusting-the-final-balance/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/auditing-an-amortization-schedule/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/building-an-amortization-schedule-in-a-spreadsheet/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-outstanding-balance-at-a-valuation-date/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/timelines-for-loan-balance-calculations/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-prospective-balance-principle/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/level-payment-balances-by-the-prospective-method/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/worked-examples-of-prospective-level-loan-balances/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-retrospective-balance-principle/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-retrospective-balance-formula/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prospective-balances-after-the-kth-payment/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/retrospective-balances-after-the-kth-payment/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prospective-balances-for-unequal-installments/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prospective-balances-under-changing-rates/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/retrospective-balances-under-changing-rates/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/outstanding-balances-on-annuity-due-loans/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/balances-between-scheduled-payment-dates/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/fractional-period-balance-calculations/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/payments-made-on-the-balance-date/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-effect-of-rounded-installments-on-balances/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/zero-interest-and-final-payment-balance-cases/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/retrospective-balances-from-past-cash-flows/</loc>
		<lastmod>2026-11-11T00:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prospective-balances-for-changing-payment-amounts/</loc>
		<lastmod>2026-11-11T00:34:54+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/cash-flow-identity-at-a-balance-date/</loc>
		<lastmod>2026-11-11T00:34:54+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/common-errors-in-outstanding-balance-calculations/</loc>
		<lastmod>2026-11-11T00:34:54+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/a-two-method-workshop-for-level-payment-loans/</loc>
		<lastmod>2026-11-11T00:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/a-diagnostic-workshop-for-irregular-loan-cash-flows/</loc>
		<lastmod>2026-11-11T00:35:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/anatomy-of-a-sinking-fund-loan/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/cash-flow-timelines-for-sinking-fund-loans/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/accumulating-equal-sinking-fund-deposits/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-the-required-level-fund-deposit/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/beginning-and-end-of-period-fund-deposits/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-fund-balance-after-any-number-of-deposits/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/separating-loan-interest-from-principal-funding/</loc>
		<lastmod>2026-11-11T00:35:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/calculating-total-periodic-borrower-outlay/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/constructing-a-sinking-fund-payment-schedule/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-equal-rates-match-direct-amortization/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/sinking-funds-earning-less-than-the-loan-rate/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/sinking-funds-earning-more-than-the-loan-rate/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-the-break-even-fund-yield/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/sinking-funds-with-changing-fund-yields/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/extra-deposits-into-a-sinking-fund/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/starting-with-an-existing-fund-balance/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/funding-a-redemption-amount-different-from-principal/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/splitting-principal-between-amortization-and-a-sinking-fund/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/measuring-a-sinking-fund-surplus-or-shortfall/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/separating-fund-deposits-from-fund-earnings/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/tracking-net-principal-exposure-during-the-loan/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/arithmetic-increasing-sinking-fund-deposits/</loc>
		<lastmod>2026-11-11T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/adjusting-the-final-deposit-for-rounding/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/the-deposit-is-not-a-loan-principal-repayment/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/integrated-sinking-fund-loan-problem-workshop/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-the-balance-on-a-loan-change-date/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/recasting-payments-after-a-lump-sum-prepayment/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/shortening-a-loan-term-with-extra-principal/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/applying-extra-payments-to-principal-or-future-installments/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/valuing-multiple-unscheduled-principal-payments/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/accruing-interest-on-missed-installments/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/catching-up-after-missed-loan-payments/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/payment-holidays-and-capitalized-interest/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/changing-installment-amounts-mid-loan/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-a-revised-schedule-from-unequal-payments/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/calculating-a-balloon-balance-at-maturity/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/restructuring-a-loan-with-a-new-balloon-date/</loc>
		<lastmod>2026-11-11T00:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/financing-a-balloon-with-a-replacement-loan/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/payoff-amounts-between-installment-dates/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prepayment-penalties-and-early-settlement/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/determining-the-old-loan-s-refinance-payoff/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/paying-refinancing-costs-upfront-or-financing-them/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/refinancing-with-a-different-loan-term/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/recasting-an-existing-loan-after-a-rate-reset/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/converting-rates-for-refinancing-calculations/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/comparing-refinancing-choices-by-present-value/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-the-break-even-date-for-refinancing/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/refinancing-near-the-end-of-a-loan/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/solving-for-an-affordable-extra-payment/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/common-timing-and-sign-errors-in-loan-changes/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/integrated-loan-modification-and-refinancing-problems/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/bond-cash-flow-timelines-and-valuation-dates/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-coupon-bond-present-value-formula/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/pricing-level-coupon-bonds-with-annuity-factors/</loc>
		<lastmod>2026-11-11T00:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/pricing-bonds-with-nonpar-redemption-values/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/converting-effective-annual-yields-to-coupon-period-rates/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/reading-nominal-yield-quotes-with-matching-compounding/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/matching-yield-compounding-to-coupon-frequency/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/coupon-frequency-and-payment-counts/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/pricing-a-bond-on-a-coupon-date/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/valuing-a-bond-between-coupon-dates/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-fractional-period-pricing-formula/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/stub-coupon-periods-in-bond-pricing/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/annual-coupon-bond-pricing-workshop/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/semiannual-coupon-bond-pricing-workshop/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/quarterly-and-monthly-coupon-bond-pricing/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/constructing-the-yield-equation-from-a-bond-price/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-a-conventional-bond-price-has-one-positive-yield/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/bracketing-bond-yield-with-bisection/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/estimating-bond-yield-by-linear-interpolation/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/newton-s-method-for-bond-yield/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/yield-solving-with-financial-calculators-and-spreadsheets/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/yield-equations-for-bonds-with-irregular-coupon-dates/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/common-rate-and-timing-errors-in-bond-pricing/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/multi-step-bond-price-and-yield-problems/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/premium-or-discount-relative-to-redemption-value/</loc>
		<lastmod>2026-11-11T00:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-premium-discount-sign-from-coupon-and-yield/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/book-value-versus-market-price/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/prospective-book-value-from-remaining-bond-cash-flows/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/retrospective-book-value-from-original-price/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/proving-prospective-and-retrospective-book-values-agree/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/deriving-the-coupon-date-book-value-recurrence/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/premium-amortization-through-the-recurrence/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/discount-accretion-through-the-recurrence/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/constructing-a-book-value-amortization-table/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/closed-form-book-value-relative-to-redemption-value/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/proving-book-value-reaches-redemption-at-maturity/</loc>
		<lastmod>2026-11-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/book-value-immediately-before-and-after-a-coupon/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/semiannual-book-value-with-periodic-yields/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/matching-yield-conventions-to-coupon-frequency/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/book-value-between-coupon-dates-under-compound-interest/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/valuing-a-bond-purchase-between-coupon-dates/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/carrying-book-value-at-the-original-yield/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-market-yield-changes-do-not-reset-book-value/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/solving-for-the-original-price-from-a-later-book-value/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/inferring-yield-from-consecutive-book-values/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/diagnosing-premium-and-discount-from-book-value-patterns/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/book-value-rounding-and-final-period-reconciliation/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/common-timing-and-sign-errors-in-book-value-calculations/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/zero-coupon-bond-cash-flow-timelines/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/pricing-zero-coupon-bonds-with-discount-factors/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/effective-annual-yield-and-zero-coupon-prices/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/nominal-compounding-quotes-for-zero-coupon-bonds/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/continuous-yield-quotes-for-zero-coupon-bonds/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/solving-for-yield-from-price-and-redemption-value/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/fractional-term-zero-coupon-bonds/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/inferring-time-to-redemption-from-price-and-yield/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/accreted-value-of-a-zero-coupon-bond-before-maturity/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-zero-coupon-prices-fall-as-yield-rises/</loc>
		<lastmod>2026-11-11T00:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/comparing-zero-coupon-bonds-across-terms-and-face-values/</loc>
		<lastmod>2026-11-11T00:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/zero-coupon-pricing-and-yield-problem-workshop/</loc>
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	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/reading-callable-bond-terms-as-redemption-scenarios/</loc>
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	<url>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/call-prices-par-values-and-redemption-premiums/</loc>
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	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/calculating-yield-to-first-call/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/yields-to-multiple-call-dates-from-one-price/</loc>
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		<lastmod>2026-11-11T00:35:25+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:25+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:25+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:26+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/staged-investment-npv/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/npv-for-a-delayed-project-start/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/comparing-mutually-exclusive-projects/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/scale-effects-in-project-rankings/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/timing-effects-in-project-rankings/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/comparing-projects-with-unequal-lives/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/npv-rules-for-independent-projects/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/npv-with-project-specific-discount-rates/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/discount-rate-sensitivity-of-npv/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/consistent-periods-for-cash-flows-and-discount-rates/</loc>
		<lastmod>2026-11-11T00:35:27+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/real-and-nominal-inputs-in-npv/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/beginning-and-end-of-period-cash-flow-timing/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/omitted-and-misdated-cash-flows/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/npv-as-incremental-economic-value/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/integrated-npv-project-comparison-workshop/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/irr-as-the-rate-that-zeros-net-present-value/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/building-an-irr-equation-from-a-cash-flow-timeline/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/matching-irr-periods-to-cash-flow-spacing/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/closed-form-irrs-for-two-cash-flow-projects/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/irr-for-level-payment-investment-cash-flows/</loc>
		<lastmod>2026-11-11T00:35:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/solving-irr-for-uneven-conventional-cash-flows/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/why-conventional-cash-flows-have-a-unique-irr/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/bracketing-an-irr-with-net-present-value-signs/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/bisection-for-reliable-irr-estimates/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/newton-s-method-from-the-npv-derivative/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/irr-for-irregularly-timed-cash-flows/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/fractional-period-irr-calculations/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/reading-irr-from-a-net-present-value-profile/</loc>
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		<lastmod>2026-11-11T00:35:29+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/sign-changes-and-bounds-on-irr-roots/</loc>
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	<url>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/reinvestment-assumptions-behind-irr/</loc>
		<lastmod>2026-11-11T00:35:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/irr-as-a-decision-rule-for-independent-projects/</loc>
		<lastmod>2026-11-11T00:35:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/how-cash-flow-timing-reverses-irr-rankings/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/incremental-irr-for-mutually-exclusive-projects/</loc>
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	<url>
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		<lastmod>2026-11-11T00:35:54+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/timeline-checks-for-forward-rate-equations/</loc>
		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fm/finding-a-break-even-quoted-forward-rate/</loc>
		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<lastmod>2026-11-11T00:35:59+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:00+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:01+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:01+00:00</lastmod>
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		<lastmod>2026-11-11T00:36:02+00:00</lastmod>
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		<lastmod>2026-11-11T00:37:09+00:00</lastmod>
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		<lastmod>2026-11-11T00:37:09+00:00</lastmod>
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