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		<lastmod>2026-11-11T01:48:55+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:57+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:57+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:57+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/recovering-force-from-a-survival-curve/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/memorylessness-under-constant-force/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/piecewise-constant-force-models/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-lifetime-functions-from-a-given-force/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/recovering-distribution-functions-from-survival-curves/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/comparing-lifetime-models-by-survival-curves/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/common-errors-in-lifetime-probability-calculations/</loc>
		<lastmod>2026-11-11T01:48:58+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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	<url>
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	<url>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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		<lastmod>2026-11-11T01:48:59+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:00+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:01+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:02+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/reading-discrete-whole-life-and-term-insurance-notation/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/discount-factors-for-annual-death-benefit-payments/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/one-year-term-insurance-from-the-mortality-rate/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/one-year-term-insurance-from-life-table-counts/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/n-year-term-insurance-with-constant-mortality/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/n-year-term-insurance-with-age-varying-mortality/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-the-term-insurance-apv-by-death-year-partition/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-apvs-from-survival-probabilities/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/increasing-term-benefits-with-annual-death-payments/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-insurance-as-an-infinite-death-year-sum/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-whole-life-apv-from-curtate-future-lifetime/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-insurance-from-age-specific-mortality-rates/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-insurance-from-life-table-counts/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-insurance-under-constant-mortality/</loc>
		<lastmod>2026-11-11T01:49:03+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/truncating-whole-life-calculations-with-a-residual-tail/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/comparing-term-and-whole-life-apvs-at-a-fixed-age/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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	<url>
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	<url>
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		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/discounting-benefits-under-yearly-changing-interest-rates/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/scaling-apvs-for-different-level-benefits/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/piecewise-benefits-for-discrete-term-insurance/</loc>
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	<url>
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		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/continuous-death-benefit-present-values/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/integral-valuation-of-continuous-whole-life-insurance/</loc>
		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:04+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/continuous-term-insurance-values/</loc>
		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deferred-term-insurance-values/</loc>
		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/factoring-deferred-values-by-survival-to-deferment/</loc>
		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:05+00:00</lastmod>
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	<url>
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	<url>
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