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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
	</url>
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	</url>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/coinsurance-on-deductible-limit-payments/</loc>
		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:27+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/calculating-insurer-loss-from-ler/</loc>
		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/ler-for-exponential-severities/</loc>
		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/ler-for-uniform-severities/</loc>
		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/ler-for-discrete-and-mixed-severities/</loc>
		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/bounds-and-limiting-values-of-ler/</loc>
		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:28+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/portfolio-ler-as-a-loss-weighted-average/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/estimating-ler-from-ground-up-loss-data/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/how-fixed-deductibles-change-ler-under-inflation/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/why-indexed-deductibles-preserve-ler-under-proportional-trend/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/loss-elimination-ratios-for-franchise-deductibles/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/trend-adjusted-deductible-payments-across-policy-years/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/separating-inflation-effects-from-deductible-changes/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/ler-from-deductible-truncated-loss-data/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/common-errors-in-inflation-and-ler-calculations/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/integrated-inflation-and-ler-calculation-workshop/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/aggregate-loss-as-a-random-sum/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/independence-and-identical-severity-assumptions/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/conditioning-on-claim-count/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/the-zero-claim-probability-mass/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/discrete-severity-convolution/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/continuous-severity-convolution/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/aggregate-loss-on-lattice-supports/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/aggregate-loss-with-deterministic-severities/</loc>
		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:29+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/second-moments-of-aggregate-loss/</loc>
		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/combining-independent-aggregate-portfolios/</loc>
		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/claim-type-mixtures-within-aggregate-loss/</loc>
		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/inferring-claim-count-from-aggregate-loss/</loc>
		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-fam/scaling-claim-severities/</loc>
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		<lastmod>2026-11-12T15:06:31+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:53+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:55+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:55+00:00</lastmod>
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		<lastmod>2026-11-12T15:06:55+00:00</lastmod>
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