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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/detecting-overdispersion-with-residual-statistics/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/constructing-a-random-walk/</loc>
		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:25+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:58+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:58+00:00</lastmod>
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		<lastmod>2026-11-12T15:14:59+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/reading-loading-patterns/</loc>
		<lastmod>2026-11-12T15:15:09+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/pca-with-more-variables-than-observations/</loc>
		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:10+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/why-feature-scaling-changes-k-means/</loc>
		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:11+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/unequal-cluster-sizes-and-densities/</loc>
		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/interpreting-centroids-in-original-units/</loc>
		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/feature-weighting-and-its-effect-on-cluster-structure/</loc>
		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/label-switching-when-comparing-cluster-solutions/</loc>
		<lastmod>2026-11-12T15:15:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/choosing-k-in-a-worked-clustering-case/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/k-means-for-actuarial-risk-profiles/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/common-k-means-exam-traps/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/single-linkage-nearest-pair-cluster-distance/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/complete-linkage-farthest-pair-cluster-distance/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/average-linkage-mean-pairwise-distance/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/centroid-linkage-distance-between-cluster-means/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/ward-linkage-minimizing-the-increase-in-within-cluster-variation/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/updating-cluster-distances-with-the-lance-williams-formula/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/a-worked-comparison-of-linkage-rules/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/tied-distances-and-nonunique-merge-sequences/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/building-a-dendrogram-from-an-agglomeration-schedule/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/interpreting-merge-heights-and-nested-partitions/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/cutting-a-dendrogram-to-obtain-a-fixed-number-of-clusters/</loc>
		<lastmod>2026-11-12T15:15:13+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:14+00:00</lastmod>
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		<lastmod>2026-11-12T15:15:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-srm/single-linkage-minimum-spanning-trees-and-connected-components/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/vesting-and-deferred-pension-rights/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/accrued-pension-entitlement-at-a-given-date/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pensionable-pay-and-salary-definitions/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/service-caps-accrual-bands-and-benefit-limits/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/retirement-benefit-forms-and-member-elections/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-eligibility-and-pension-triggers/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-before-retirement-and-survivor-benefit-triggers/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-after-retirement-and-continuing-survivor-benefits/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/beneficiary-status-and-pension-payment-periods/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/re-employment-and-reinstated-pension-service/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/employment-termination-and-pension-benefit-outcomes/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pension-membership-state-diagrams/</loc>
		<lastmod>2026-11-12T16:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/turning-plan-rules-into-event-contingent-benefits/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/accrual-entitlement-and-payment-dates/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lump-sums-annuities-and-mixed-pension-benefits/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/multiple-eligibility-tests-for-pension-benefits/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pension-escalation-and-inflation-linking-rules/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pensionable-service-breaks-and-part-time-work/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/aggregating-service-across-employment-periods/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/benefit-caps-and-pensionable-salary-limits/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-pension-cash-flow-functions/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/building-a-member-benefit-timeline/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/common-errors-in-pension-provision-translation/</loc>
		<lastmod>2026-11-12T16:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-case-member-benefits-across-retirement-and-exit/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-setup-for-competing-exit-causes/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-active-member-survival-under-competing-decrements/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-cause-specific-exit-probabilities-by-duration/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/discount-factors-and-benefit-payment-dates/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/discrete-epv-of-retirement-lump-sums/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-discrete-cause-contingent-epv/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/withdrawal-and-death-lump-sum-values/</loc>
		<lastmod>2026-11-12T16:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-continuous-cause-specific-valuation-integral/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/eligibility-windows-and-retirement-benefits/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/retirement-pension-values-with-competing-exits/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-conditional-retirement-annuity-values/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/separating-active-and-retired-mortality-bases/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-pension-values-under-competing-risks/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/decomposition-of-total-pension-epv-by-exit-cause/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/benefits-paid-at-exit-versus-year-end/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/fractional-year-benefit-timing-under-decrement-assumptions/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-continuous-retirement-annuity-values/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/salary-linked-pension-benefits-at-exit/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-with-age-varying-decrement-probabilities/</loc>
		<lastmod>2026-11-12T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/choosing-multiple-decrement-or-associated-single-decrement-bases/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/udd-and-constant-force-effects-on-pension-values/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/survivor-pension-values-after-member-death/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/building-pension-values-from-multiple-decrement-tables/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/how-decrement-assumptions-change-pension-values/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/common-errors-in-competing-risk-pension-valuation/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-retirement-and-withdrawal-valuation/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-disability-and-death-benefit-valuation/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-pension-valuation-with-competing-exits/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/encoding-ancillary-benefits-as-decrement-triggered-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/vesting-rules-with-service-and-age-eligibility/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/probability-of-vesting-before-competing-exit/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/immediate-vesting-versus-cliff-vesting/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/contribution-refunds-on-withdrawal/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/refunds-on-death-before-vesting/</loc>
		<lastmod>2026-11-12T16:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/refunds-versus-deferred-vested-pensions/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/survivor-benefits-after-retirement/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/joint-life-survivor-annuity-valuation/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reversionary-fractions-and-survivor-pension-amounts/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/guarantee-periods-in-pension-options/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cash-refunds-and-annuity-certain-guarantees/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pension-commencement-options-under-competing-risks/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/withdrawal-benefits-with-service-based-formulas/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/ancillary-benefits-with-waiting-periods/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/payment-timing-for-benefits-at-member-exit/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cause-contingent-present-values-for-ancillary-benefits/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-expected-values-for-vesting-benefits/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/decomposing-expected-benefits-by-exit-cause/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/survivor-benefits-with-age-dependent-annuity-values/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/vesting-probability-under-constant-competing-intensities/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/survivor-valuation-with-conditional-mortality/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/retirement-age-effects-on-survivor-options/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/vesting-thresholds-and-expected-benefit-cost/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/spouse-age-difference-and-survivor-pension-cost/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/avoiding-double-counting-across-ancillary-benefits/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-competing-risk-ancillary-valuations/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/annual-profit-vectors-per-policy-in-force/</loc>
		<lastmod>2026-11-12T16:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/the-policy-year-cash-flow-timeline/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/signs-for-insurer-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-annual-profit-accounting-identity/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/exposure-bases-for-annual-profit/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-amounts-in-a-profit-vector/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/timing-premium-receipts-within-the-year/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/annual-and-modal-premium-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-claims-in-annual-profit-calculations/</loc>
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	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/periodic-benefits-and-claim-outgo/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/maturity-and-survival-benefit-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/claim-settlement-delays-and-profit-timing/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/acquisition-and-renewal-expenses/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-payment-timing-and-profit/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/commission-cash-flows-by-premium-duration/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-taxes-and-other-policy-levies/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/investment-income-on-policy-year-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/investment-income-on-reserve-funds/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-midyear-investment-income-approximations/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/opening-and-closing-reserves-in-profit-vectors/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-releases-and-increases-as-profit-items/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-reserve-movement-term/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/avoiding-double-counting-reserve-interest/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapse-and-surrender-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-refunds-and-return-of-premiums/</loc>
		<lastmod>2026-11-12T16:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/timing-conventions-for-annual-profits/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/discounting-duration-profits-to-time-zero/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/net-present-value-as-the-sum-of-a-profit-signature/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/profit-signatures-for-limited-term-contracts/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/maturity-and-termination-profits-in-signatures/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reading-positive-and-negative-duration-profits/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/peak-profit-loss-durations-and-profit-emergence/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cumulative-discounted-profit-and-payback-duration/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/break-even-npv-and-zero-profit-design/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-patterns-and-profit-emergence/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/irregular-cash-flow-dates-within-a-policy-year/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expected-event-contingent-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/duration-dependent-components-of-profit-vectors/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/scaling-per-policy-profits-to-a-cohort/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-term-insurance-profit-vector/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-endowment-profit-vector/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reconciling-annual-profit-by-cash-flow-and-reserves/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/from-annual-profit-vectors-to-profit-signatures/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/in-force-probabilities-as-signature-weights/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/conditional-and-unconditional-profit-by-duration/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/state-contingent-profit-signatures/</loc>
		<lastmod>2026-11-12T16:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/benefit-design-comparisons-using-npv/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-changes-and-their-signature-effects/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/acquisition-expenses-and-early-duration-losses/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/persistency-assumptions-and-profit-signatures/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sensitivity-of-npv-to-duration-profits/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/duration-contribution-analysis/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/npv-comparisons-across-contract-volumes/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-npv-across-contract-terms/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-npv-across-discount-bases/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/profit-signature-diagnostics-for-weighting-and-timing/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sign-convention-errors-in-npv-calculations/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/rounding-and-reconciliation-checks-for-npv/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/workshop-constructing-a-signature-from-a-profit-vector/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interpreting-npv-under-alternative-assumptions/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/the-reserve-adjusted-profit-identity/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/signs-of-reserve-movements/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/separating-cash-profit-from-reserve-profit/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-profit-from-the-reserve-balance-equation/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/prospective-reserves-in-annual-profit-tests/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-recursion-across-policy-years/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interest-earned-on-opening-reserves/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/new-business-reserve-strain/</loc>
		<lastmod>2026-11-12T16:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/acquisition-costs-and-initial-reserves/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/terminal-reserves-at-maturity-or-expiry/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-changes-in-a-profit-signature/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/why-present-values-can-be-reserve-basis-invariant/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expected-profit-with-survival-weighting/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/per-policy-and-portfolio-reserve-movements/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-shocks-in-profit-tests/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/morbidity-shocks-in-profit-tests/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapse-shocks-and-reserve-release/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-shocks-and-expense-reserves/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/investment-return-shocks-and-profit-emergence/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-interest-rates-and-reserve-sensitivity/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-and-benefit-basis-sensitivity/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/one-at-a-time-assumption-shocks/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/two-way-assumption-sensitivity/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-basis-consistency-checks/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/alternative-reserve-bases-and-profit-comparability/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/negative-reserves-and-minimum-floors/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-recalculation-after-an-assumption-change/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-three-year-reserve-adjusted-projection/</loc>
		<lastmod>2026-11-12T16:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-reserve-timing-errors/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-reserve-and-sensitivity-workshop/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/prospective-reserves-by-contract-state/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/conditional-versus-unconditional-reserves/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/future-benefits-expenses-and-premiums/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-time-cash-flow-conventions/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/state-contingent-benefit-valuation/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-boundary-conditions-at-termination/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserves-at-maturity-and-scheduled-expiry/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/single-state-prospective-reserve-calculation/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/two-state-active-and-disabled-reserve-model/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserves-in-multi-state-insurance-models/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-one-step-reserve-recursion/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-prospective-reserve-identity/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/connecting-reserves-across-adjacent-durations/</loc>
		<lastmod>2026-11-12T16:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-calculations-with-time-varying-cash-flows/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/continuous-and-discrete-benefit-payment-timing/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deferred-and-waiting-period-benefits/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-waivers-and-state-dependent-premium-cessation/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/recovery-and-return-to-active-reserve-transitions/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-and-other-absorbing-state-reserves/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/termination-benefits-and-exit-state-payments/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-effects-of-multiple-benefit-triggers/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/initial-and-issue-date-reserve-checks/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expected-reserve-across-a-population/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/consistency-checks-for-state-reserve-values/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solving-reserve-tables-from-terminal-conditions/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/numerical-reserve-projection-by-state/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-income-reserve-worked-problems/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/long-term-care-reserve-worked-problems/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-multi-state-prospective-reserve-workshop/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/thiele-reserve-cash-flow-conventions/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-single-state-thiele-equation/</loc>
		<lastmod>2026-11-12T16:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interpreting-interest-premium-expense-and-mortality-terms/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/terminal-conditions-and-backward-reserve-calculation/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrating-factor-derivation-for-single-state-reserves/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/closed-form-reserves-under-constant-forces/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/continuous-whole-life-insurance-reserves/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/term-insurance-reserves-with-a-maturity-benefit/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/continuous-annuities-and-thiele-reserve-dynamics/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solving-for-a-level-premium-from-a-reserve-boundary/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-loaded-single-state-thiele-equations/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-multi-state-thiele-system/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/transition-benefits-in-the-multi-state-reserve-equation/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/state-dependent-premiums-and-expenses/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/boundary-conditions-for-transient-and-absorbing-states/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/one-way-two-state-reserve-systems/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-income-reserves-with-recovery/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/long-term-care-reserves-across-care-levels/</loc>
		<lastmod>2026-11-12T16:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lump-sum-benefits-on-recovery-and-other-transitions/</loc>
		<lastmod>2026-11-12T16:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/matrix-exponential-solutions-with-constant-coefficients/</loc>
		<lastmod>2026-11-12T16:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/variation-of-constants-for-time-dependent-systems/</loc>
		<lastmod>2026-11-12T16:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/verifying-thiele-reserves-against-prospective-values/</loc>
		<lastmod>2026-11-12T16:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deferred-premiums-and-waiting-period-cash-flows/</loc>
		<lastmod>2026-11-12T16:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-paths-before-and-after-state-transitions/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sensitivity-of-reserves-to-transition-intensities/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/single-state-reduction-and-limiting-case-checks/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/common-sign-and-boundary-errors-in-thiele-calculations/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-multi-state-thiele-reserve-workshop/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-and-their-valuation-bases/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reference-bases-and-modified-bases/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-prospective-reserve-equivalence/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserve-recursions/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/choosing-a-modified-valuation-premium/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-loading-changes-in-reserve-valuation/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-assumptions-in-modified-reserves/</loc>
		<lastmod>2026-11-12T16:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/acquisition-expenses-and-reserve-recognition/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/zillmerized-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-zillmer-reserve-adjustment/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/zillmer-allowance-limits-and-negative-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/full-preliminary-term-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-full-preliminary-term-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/duration-dependent-premium-modifications/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-with-premium-changes/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/benefit-modifications-in-reserve-bases/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-for-term-and-endowment-benefits/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-for-whole-life-contracts/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-for-deferred-benefits/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/boundary-conditions-under-modified-bases/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserve-changes-by-policy-year/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-across-multiple-states/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-gross-and-modified-prospective-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-differences-from-premium-basis-changes/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-differences-from-expense-basis-changes/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-differences-from-benefit-basis-changes/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserves-and-profit-emergence/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/profit-testing-with-modified-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserve-basis-changes-mid-contract/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/consistency-checks-for-modified-reserves/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserve-calculation-workshop/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/universal-life-cash-flow-timelines/</loc>
		<lastmod>2026-11-12T16:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/the-policy-account-recurrence/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-timing-in-account-projections/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-loads-and-net-premium-allocation/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/credited-interest-on-policy-accounts/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/monthly-crediting-and-charge-timing/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-charge-rates/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/net-amount-at-risk/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deducting-monthly-policy-charges/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-charge-structures/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/ordering-policy-account-transactions/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/level-death-benefit-mechanics/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/increasing-death-benefit-mechanics/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-benefit-corridors/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/partial-withdrawals-and-account-value/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/surrender-values-and-account-value/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/surrender-charge-schedules/</loc>
		<lastmod>2026-11-12T16:34:25+00:00</lastmod>
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