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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/the-finite-term-telescoping-identity/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-from-temporary-annuity-due-values/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/temporary-annuity-values-from-term-insurance/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/pure-endowment-and-temporary-annuity-complements/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/the-endowment-insurance-annuity-identity/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deferred-whole-life-insurance-factorization/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/matching-deferred-insurance-and-annuity-values/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-premiums-from-temporary-annuities/</loc>
		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:26+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/combining-benefits-by-present-value-linearity/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/benefit-timing-pitfalls-in-complement-identities/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-and-endowment-boundary-conventions/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/choosing-an-identity-from-a-contract-payment-pattern/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/cross-checking-multi-step-insurance-annuity-calculations/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/present-values-of-premium-streams/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/net-single-premiums-for-life-insurance/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/net-single-premiums-for-life-annuities/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-net-level-premiums/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/endowment-insurance-net-level-premiums/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/limited-payment-life-insurance-premiums/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/net-premiums-for-continuous-insurance/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/premium-timing-advance-and-arrears/</loc>
		<lastmod>2026-11-11T01:49:27+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/annuities-with-guaranteed-payment-periods/</loc>
		<lastmod>2026-11-11T01:49:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/benefit-premium-identities-for-net-premiums/</loc>
		<lastmod>2026-11-11T01:49:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/net-premiums-for-varying-benefit-amounts/</loc>
		<lastmod>2026-11-11T01:49:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/decomposing-composite-benefits-to-price-premiums/</loc>
		<lastmod>2026-11-11T01:49:28+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/premiums-with-different-benefit-and-payment-periods/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/how-interest-and-mortality-change-net-premiums/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/gross-premium-equations-and-expense-present-values/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/classifying-expenses-by-amount-and-timing/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/level-gross-premiums-with-initial-expenses/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/renewal-expenses-in-level-gross-premiums/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/fixed-per-premium-expense-loadings/</loc>
		<lastmod>2026-11-11T01:49:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/percentage-of-premium-expense-loadings/</loc>
		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/claim-related-expenses-in-premium-calculations/</loc>
		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/solving-gross-premiums-with-multiple-expense-bases/</loc>
		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/gross-premiums-for-life-annuity-contracts/</loc>
		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-expense-adjusted-premium-equations/</loc>
		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/discrete-reserve-timing-around-premium-dates/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-reserves-with-annual-level-premiums/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-the-whole-life-reserve-identity/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-reserves-during-the-coverage-period/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-reserves-as-differences-of-whole-life-values/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/limited-payment-whole-life-reserves/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/single-premium-policy-values/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/continuous-whole-life-reserves/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/continuous-term-insurance-reserves/</loc>
		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:31+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deferred-annuity-reserves/</loc>
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	</url>
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		<lastmod>2026-11-11T01:49:32+00:00</lastmod>
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	<url>
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	<url>
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	<url>
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	<url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/guaranteed-period-annuity-reserves/</loc>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:33+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/when-prospective-and-retrospective-reserves-agree/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/solving-for-an-unknown-premium-from-a-retrospective-reserve/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/solving-for-interest-or-benefit-amounts-from-reserves/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/common-errors-in-retrospective-reserve-calculations/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/retrospective-reserve-checks-and-bounds/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/integrated-retrospective-reserve-problem-workshop/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/annual-reserve-recursion-as-a-cash-flow-balance/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/reserve-values-immediately-before-and-after-premium-payment/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/recursions-for-beginning-and-end-of-year-benefits/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/net-premium-reserve-recursions-under-equivalence-pricing/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/finding-a-level-premium-from-a-prescribed-reserve/</loc>
		<lastmod>2026-11-11T01:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/forward-and-backward-reserve-calculations/</loc>
		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/whole-life-insurance-reserve-recursions/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/term-insurance-recursions-at-expiry/</loc>
		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deferred-insurance-recursions-across-deferment/</loc>
		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/recursions-for-increasing-and-decreasing-death-benefits/</loc>
		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/recursions-for-duration-varying-premiums/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/return-of-premium-benefits-in-reserve-recursions/</loc>
		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:35+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/checking-recursive-reserves-against-prospective-values/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/diagnosing-sign-and-timing-errors-in-reserve-recursions/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/multi-year-reserve-recursion-problem-workshop/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/deriving-the-binomial-mean/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/calculating-exact-binomial-claim-probabilities/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/the-poisson-model-for-claim-counts/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/poisson-rates-and-exposure-scaling/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/calculating-exact-poisson-claim-probabilities/</loc>
		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-11T01:49:36+00:00</lastmod>
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