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		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/new-business-strain-and-later-surplus/</loc>
		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-assumptions-and-emerging-surplus/</loc>
		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/guarantees-as-claims-on-future-surplus/</loc>
		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/total-surplus-and-surplus-available-for-allocation/</loc>
		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/contractual-participation-rights/</loc>
		<lastmod>2026-11-12T16:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mutual-and-proprietary-participating-insurers/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/contribution-based-allocation-among-policies/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/fair-allocation-across-policy-classes/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/intergenerational-equity-in-surplus-allocation/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/smoothing-surplus-across-years/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/retained-surplus-and-financial-buffers/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/governance-of-discretionary-surplus-allocation/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/risk-bearing-and-participation-entitlements/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/policyholder-expectations-and-guarantees/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sensitivity-of-surplus-allocation-to-experience/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-patterns-of-surplus-emergence/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/common-errors-in-participating-surplus-analysis/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/participating-surplus-attribution-workshop/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/how-dividend-and-bonus-declarations-change-policy-benefits/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/policy-year-timing-for-dividend-and-bonus-declarations/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/calculating-cash-dividends-from-a-declared-scale/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/applying-cash-dividends-to-premiums/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/accumulating-cash-dividends-with-interest/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/discretionary-participation-decisions/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/allocating-surplus-between-policyholders-and-shareholders/</loc>
		<lastmod>2026-11-12T16:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/using-dividends-to-buy-paid-up-additions/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/calculating-simple-reversionary-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/calculating-compound-reversionary-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-recurrence-for-compound-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/choosing-the-correct-reversionary-bonus-base/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/including-vested-bonuses-in-death-and-maturity-benefits/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/bonus-declarations-on-paid-up-policies/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interim-bonuses-for-claims-between-declarations/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/projecting-benefits-after-a-bonus-scale-changes/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/calculating-terminal-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/terminal-bonus-rates-by-duration-and-benefit-base/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/terminal-bonus-eligibility-by-claim-event/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/combining-reversionary-and-terminal-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/when-a-declared-bonus-becomes-guaranteed/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/tracking-the-benefit-obligation-after-a-declaration/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/bonus-calculations-for-endowment-and-whole-life-claims/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/rounding-and-unit-conventions-in-bonus-calculations/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/projecting-a-multi-year-reversionary-bonus-schedule/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/projecting-dividend-options-across-policy-years/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-cash-dividends-with-reversionary-bonuses/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/how-future-bonus-illustrations-differ-from-declarations/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/avoiding-double-counting-of-bonus-additions/</loc>
		<lastmod>2026-11-12T16:34:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-example-of-a-cash-dividend-projection/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-example-of-simple-and-compound-bonuses/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-example-of-a-terminal-bonus-at-maturity/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-example-with-multiple-bonus-mechanisms/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/checking-a-dividend-and-bonus-projection/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-dividend-and-bonus-exam-problems/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cash-flow-decomposition-for-participating-policy-valuation/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/payment-timing-for-participating-benefits/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/present-values-of-guaranteed-participating-benefits/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuing-declared-reversionary-bonuses/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuing-terminal-bonuses-at-claim/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cash-dividends-in-participating-policy-values/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/death-and-maturity-values-with-mixed-bonus-types/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/prospective-reserves-for-participating-policies/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-annual-participating-reserve-recursion/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/duration-specific-reserves-under-changing-benefits/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-changes-after-a-bonus-declaration/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expected-present-value-of-projected-future-bonuses/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/consistency-between-bonus-projections-and-valuation/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premiums-and-expenses-in-participating-policy-reserves/</loc>
		<lastmod>2026-11-12T16:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/gross-reserves-with-declared-bonuses/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserves-for-reduced-paid-up-participating-policies/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/surrender-values-and-participating-policy-reserves/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/minimum-guarantees-in-participating-policy-valuation/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuing-options-embedded-in-participating-policies/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/policyholder-and-shareholder-shares-in-valued-benefits/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuation-under-alternative-surplus-allocations/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-bonus-allocation-bases/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/smoothing-and-the-timing-of-participating-benefits/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/projecting-terminal-bonuses-under-alternative-scales/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/scenario-valuation-of-future-discretionary-benefits/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sensitivity-of-participating-policy-values/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/surplus-allocation-and-profit-emergence/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-release-when-participating-policies-end/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/bounds-and-checks-for-participating-policy-values/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/common-errors-in-participating-policy-valuation/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-participating-policy-valuation-workshop/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-share-definition-and-per-policy-ledger/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/retrospective-recurrence-for-annual-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cash-flow-timing-within-an-asset-share-year/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/accumulating-cash-flows-at-effective-investment-returns/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-shares-with-changing-annual-investment-returns/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/allocating-premium-income-to-policy-cohorts/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/acquisition-costs-and-initial-asset-share-deficits/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/renewal-expenses-and-per-policy-allocation/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/claims-death-benefits-and-claim-year-outgo/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-pooling-and-asset-shares-for-survivors/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapses-withdrawals-and-persistency-related-cash-flows/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-taxes-and-investment-taxes-in-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reinsurance-cash-flows-in-asset-share-projections/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/allocating-investment-income-across-policy-funds/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/investment-management-expenses-and-net-returns/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-shares-at-maturity-surrender-and-other-exit-dates/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cohort-asset-shares-with-multiple-entry-years/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/per-policy-versus-aggregate-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/allocating-shared-expenses-across-heterogeneous-policies/</loc>
		<lastmod>2026-11-12T16:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/allowing-for-declared-bonuses-in-asset-share-cash-flows/</loc>
		<lastmod>2026-11-12T16:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-asset-shares-with-guaranteed-policy-benefits/</loc>
		<lastmod>2026-11-12T16:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-shares-versus-prospective-reserves/</loc>
		<lastmod>2026-11-12T16:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/decomposing-emerging-surplus-from-asset-share-differences/</loc>
		<lastmod>2026-11-12T16:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/using-asset-shares-to-assess-participating-benefits/</loc>
		<lastmod>2026-11-12T16:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/measuring-guarantee-shortfalls-against-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/surrender-values-compared-with-accumulated-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-share-sensitivity-to-expense-deviations/</loc>
		<lastmod>2026-11-12T16:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-share-sensitivity-to-investment-experience/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-share-sensitivity-to-mortality-experience/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asset-share-sensitivity-to-lapse-experience/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-asset-share-calculation-errors/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-balance-sheets-for-long-term-insurers/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/own-funds-and-capital-eligibility/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/technical-provisions-and-solvency-liabilities/</loc>
		<lastmod>2026-11-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/risk-margins-in-solvency-valuation/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-requirements-versus-technical-provisions/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-capital-requirements-and-available-capital/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-the-solvency-coverage-ratio/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/minimum-capital-floors-and-supervisory-intervention/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/new-business-capital-strain/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-requirements-for-guaranteed-benefits/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interest-rate-guarantees-and-long-term-capital/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/guaranteed-annuity-options-and-conversion-rights/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-effects-of-universal-life-guarantees/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/participating-contracts-and-solvency-capital/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-and-long-term-care-guarantees-in-solvency/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/pension-promises-and-insurer-capital/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reinsurance-and-solvency-capital-relief/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-quality-subordination-and-tier-limits/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/aggregating-risk-charges-and-diversification/</loc>
		<lastmod>2026-11-12T16:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-ratios-under-different-valuation-bases/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interpreting-solvency-coverage-across-insurers/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-allocation-across-products/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-projection-and-capital-run-off/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/capital-sources-and-distribution-constraints/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/regulatory-capital-and-economic-capital/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-capital-versus-accounting-equity/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/policyholder-protection-through-capital-requirements/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-shortfalls-and-recovery-actions/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-solvency-balance-sheet-reconciliation/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-capital-strain-in-product-designs/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/solvency-calculation-traps-in-exam-problems/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/building-a-reference-projection-for-stress-testing/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/one-factor-sensitivity-tests-and-directional-effects/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-level-shocks-for-protection-contracts/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-shocks-for-annuities-and-longevity-exposure/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-improvement-and-cohort-trend-stresses/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-incidence-stresses/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/recovery-and-morbidity-transition-stresses/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/long-term-care-severity-and-duration-stresses/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapse-level-stresses-for-long-term-policies/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/selective-lapses-and-anti-selection/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-level-shocks/</loc>
		<lastmod>2026-11-12T16:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-inflation-and-unit-cost-trends/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/investment-return-shocks-to-accumulation-and-reinvestment/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interest-rate-shocks-and-discounting-effects/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/equity-return-and-volatility-scenarios-for-linked-business/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/inflation-shocks-across-expenses-and-benefits/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/guarantee-moneyness-under-joint-market-stresses/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/combined-mortality-and-morbidity-scenarios/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapse-interest-and-lapse-guarantee-interactions/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/correlated-multi-risk-scenario-design/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/asymmetric-and-nonlinear-responses-to-stress/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/stress-results-by-product-cohort-and-duration/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/attributing-stress-effects-across-reserves-profits-and-asset-shares/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/distinguishing-cash-flow-loss-from-reserve-revaluation/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/checking-stress-direction-against-product-economics/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/comparing-sensitivity-scenario-and-stress-test-results/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-counterintuitive-stress-outcomes/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/separating-assumption-changes-from-experience-deviations/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-mortality-and-lapse-stress-case/</loc>
		<lastmod>2026-11-12T16:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-expense-and-investment-stress-case/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/transition-probabilities-for-linked-state-paths/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/choosing-forward-or-backward-kolmogorov-equations/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/cause-specific-exit-probabilities-from-competing-intensities/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/associated-single-decrement-rates-in-linked-tables/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/udd-and-constant-force-conversions-in-linked-tables/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reconciling-state-models-with-multiple-decrement-tables/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuing-benefits-paid-at-state-transitions/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/continuous-payments-while-occupying-a-benefit-state/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/disability-income-with-incidence-recovery-and-death/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/elimination-periods-and-deferred-disability-benefits/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/recurrent-disability-with-recovery-and-re-entry/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/long-term-care-across-multiple-care-levels/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/valuing-care-benefits-with-upgrades-and-recovery/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/survivor-pensions-following-competing-active-member-exits/</loc>
		<lastmod>2026-11-12T16:34:58+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/vesting-and-refunds-under-multiple-decrements/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/combining-state-annuities-and-transition-lump-sums/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/equivalence-premiums-for-multi-state-benefit-packages/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/initial-state-mixtures-in-benefit-valuations/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/composing-path-probabilities-across-valuation-periods/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-multiple-decrement-exit-probabilities/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/equivalence-of-state-and-decrement-valuations/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/numerical-valuation-with-piecewise-constant-transition-rates/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-disability-case-with-waiting-and-benefit-limits/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-long-term-care-case-with-changing-care-levels/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/worked-pension-case-with-retirement-withdrawal-and-death/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-inconsistent-state-and-decrement-assumptions/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-case-checks-for-probability-and-cash-flow-consistency/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mapping-product-cash-flows-to-states-and-durations/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/sign-conventions-for-state-dependent-profit-vectors/</loc>
		<lastmod>2026-11-12T16:34:59+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/weighting-state-profits-by-transition-probabilities/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/building-a-profit-signature-from-annual-results/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/discounting-profit-signatures-to-obtain-npv/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-changes-inside-annual-profit-calculations/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reconciling-cash-flow-profit-and-reserve-profit/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/prospective-reserves-by-state-in-a-profit-test/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/deriving-thiele-equations-for-product-profit-analysis/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/transition-terms-in-multi-state-thiele-equations/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/boundary-conditions-for-terminating-states/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/separating-expected-profit-from-conditional-profit/</loc>
		<lastmod>2026-11-12T16:35:00+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/how-reserve-basis-changes-alter-profit-emergence/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/premium-changes-and-the-propagation-of-profit-effects/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mortality-assumption-changes-in-profit-and-reserve-tests/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/morbidity-changes-across-disability-states/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/expense-assumption-changes-and-reserve-effects/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/interest-assumption-changes-in-profit-and-reserve-projections/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/lapse-transitions-in-profit-tests-and-reserves/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/modified-reserve-bases-in-product-profit-tests/</loc>
		<lastmod>2026-11-12T16:35:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reserve-strengthening-and-its-timing-effects/</loc>
		<lastmod>2026-11-12T16:35:02+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/experience-assumptions-versus-valuation-assumptions/</loc>
		<lastmod>2026-11-12T16:35:02+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-disability-income-profit-and-reserve-case/</loc>
		<lastmod>2026-11-12T16:35:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-long-term-care-profit-and-reserve-case/</loc>
		<lastmod>2026-11-12T16:35:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/integrated-pension-benefit-profit-and-reserve-case/</loc>
		<lastmod>2026-11-12T16:35:03+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/term-insurance-and-endowment-profit-test-comparison/</loc>
		<lastmod>2026-11-12T16:35:03+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/decomposing-npv-changes-by-assumption-source/</loc>
		<lastmod>2026-11-12T16:35:03+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/diagnosing-inconsistent-profits-and-reserves/</loc>
		<lastmod>2026-11-12T16:35:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/a-timed-workflow-for-integrated-profit-and-reserve-problems/</loc>
		<lastmod>2026-11-12T16:35:04+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/mapping-product-cash-flows-to-solvency-results/</loc>
		<lastmod>2026-11-12T16:35:04+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/aligning-account-fund-reserve-and-asset-share-timelines/</loc>
		<lastmod>2026-11-12T16:35:04+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/reconciling-universal-life-accounts-with-insurer-reserves/</loc>
		<lastmod>2026-11-12T16:35:04+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/tracking-equity-linked-units-through-charges-and-claims/</loc>
		<lastmod>2026-11-12T16:35:04+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/projecting-guaranteed-benefits-in-linked-contracts/</loc>
		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/decomposing-guarantee-costs-across-market-scenarios/</loc>
		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/universal-life-lapses-and-account-depletion/</loc>
		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/universal-life-profit-emergence-under-changing-persistency/</loc>
		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-exam-altam/equity-linked-maturity-guarantees-under-falling-markets/</loc>
		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:05+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:35:08+00:00</lastmod>
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	</url>
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		<lastmod>2026-11-12T16:38:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:06+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:07+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/costs-trade-offs-and-limits-of-erm/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/erm-framework-maturity-and-diagnostic-evidence/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-framework-fit-in-a-case/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-workshop-build-an-erm-framework-for-an-insurer/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/common-erm-framework-design-failures/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/governance-accountability-oversight-versus-management/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/board-responsibilities-for-risk-oversight/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-committee-charters-and-oversight-boundaries/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/coordinating-board-risk-and-audit-committees/</loc>
		<lastmod>2026-11-12T16:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/executive-accountability-for-risk-governance/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/the-chief-risk-officer-s-mandate-and-access/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-risk-ownership-to-business-leaders/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-owners-versus-control-owners/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-actuarial-function-s-governance-role/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/mapping-governance-activities-to-the-three-lines/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-three-lines-role-confusion/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/preserving-independence-in-control-functions/</loc>
		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:38:10+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/how-organizational-culture-shapes-risk-taking/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tone-at-the-top-and-speaking-up-about-risk/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/incentives-that-reinforce-or-undermine-appetite/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/ethical-conduct-and-responsible-risk-taking/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-contradictions-in-appetite-statements/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/setting-scope-for-a-risk-assessment/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/turning-objectives-into-risk-prompts/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/writing-cause-event-effect-risk-statements/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-risks-causes-consequences-and-issues/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/preparing-a-structured-risk-workshop/</loc>
		<lastmod>2026-11-12T16:38:12+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/facilitating-risk-identification-workshops/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reducing-groupthink-and-anchoring-in-workshops/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/interviewing-experts-to-elicit-risks/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/process-walkthroughs-for-risk-identification/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-process-maps-to-locate-risk-points/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/checklist-based-risk-identification/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/scenario-prompts-for-low-frequency-risks/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-identification-from-incident-and-near-miss-reviews/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/identifying-risks-across-organizational-boundaries/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/designing-a-risk-register/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/writing-useful-risk-register-entries/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/linking-risk-entries-to-objectives-and-processes/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/inherent-and-residual-risk/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-likelihood-categories/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-impact-dimensions-and-categories/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/scoring-risks-with-likelihood-impact-matrices/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calibrating-qualitative-scores-across-assessors/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assessing-risks-with-limited-evidence/</loc>
		<lastmod>2026-11-12T16:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-likelihood-impact-assessment-limitations/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-risk-assessment-from-workshop-to-register/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-risk-monitoring-cycle/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/writing-operationally-precise-risk-metric-definitions/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-key-risk-indicators/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/leading-and-lagging-indicators/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calibrating-kri-thresholds/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/designing-a-hierarchy-of-risk-limits/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/monitoring-aggregated-exposures-against-limits/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-ownership-for-risk-metrics/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/data-quality-and-lineage-for-risk-monitoring/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-monitoring-frequency-and-reporting-lag/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/building-actionable-risk-dashboards/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/interpreting-trends-in-risk-indicators/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-seasonality-from-emerging-deterioration/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/classifying-limit-breaches-and-near-breaches/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/setting-escalation-triggers/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/responding-to-a-risk-limit-breach/</loc>
		<lastmod>2026-11-12T16:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/managing-limit-exceptions-and-overrides/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/distinguishing-risk-signals-from-metric-noise/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/recognizing-threshold-drift/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/monitoring-compliance-with-risk-limits/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-kri-design-workshop/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/concentration-limit-monitoring-workshop/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-a-data-driven-kri-breach/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-risk-dashboard-interpretation-errors/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/evaluating-monitoring-process-effectiveness/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/control-objectives-and-the-risk-control-link/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/preventive-controls-in-insurance-processes/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/detective-controls-and-timely-exception-identification/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/corrective-controls-and-remediation/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/manual-automated-and-it-dependent-controls/</loc>
		<lastmod>2026-11-12T16:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/designing-controls-for-high-impact-exposures/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/evaluating-control-design-effectiveness/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/testing-operating-effectiveness/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/control-walkthroughs-and-documentary-evidence/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/control-sampling-and-test-exceptions/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/key-controls-and-risk-coverage/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/control-dependencies-and-common-mode-failure/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/compensating-controls-for-unavoidable-gaps/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-control-gaps-and-root-causes/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assessing-residual-exposure-after-controls/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/control-cost-benefit-and-practicality/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-avoidance-and-reduction-decisions/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-retention-and-funded-losses/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-transfer-through-contracts-and-insurance/</loc>
		<lastmod>2026-11-12T16:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/comparing-mitigation-alternatives/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/transfer-limits-exclusions-and-counterparty-failure/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-controls-with-risk-transfer/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-control-review-of-a-claims-payment-process/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-mitigation-choice-for-a-vendor-outage/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-errors-in-control-and-mitigation-assessments/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/mapping-strategic-objectives-to-risk-consequences/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/comparing-strategic-options-with-risk-trade-offs/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-return-trade-offs-in-strategic-choices/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/building-risk-informed-business-cases/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/staged-commitments-and-strategic-flexibility/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assessing-strategic-partnerships-and-outsourcing/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-review-in-new-product-approval/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-informed-product-portfolio-decisions/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/bringing-risk-considerations-into-pricing-decisions/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-considerations-in-investment-policy-choices/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/risk-informed-budgeting-and-forecasting/</loc>
		<lastmod>2026-11-12T16:38:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/testing-business-plans-against-risk-appetite/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-value-of-information-in-strategic-decisions/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/embedding-risk-review-in-decision-gates/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-risk-accountability-in-strategic-choices/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/decision-focused-executive-risk-reporting/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tailoring-risk-reports-for-boards-and-business-leaders/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/communicating-uncertainty-and-model-limitations/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/horizon-scanning-for-emerging-risks/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/prioritizing-emerging-risks-for-strategic-attention/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/linking-emerging-risks-to-strategic-resilience/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/facilitating-scenarios-for-strategic-choices/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/translating-scenario-insights-into-business-plans/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/strategic-decision-workshop-with-integrated-risk-analysis/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-variables-units-and-sign-conventions/</loc>
		<lastmod>2026-11-12T16:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/discrete-loss-distributions-and-probability-mass-functions/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/continuous-loss-distributions-and-density-functions/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/cumulative-distribution-and-survival-functions/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/quantiles-for-discrete-and-continuous-losses/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exceedance-probabilities-and-return-periods/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expected-loss-as-a-distributional-average/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/variance-and-standard-deviation-of-loss/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/higher-moments-skewness-and-kurtosis/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reading-tail-behavior-from-loss-distributions/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/frequency-and-severity-as-separate-loss-components/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-frequency-models-bernoulli-binomial-and-poisson/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-severity-models-exponential-lognormal-and-pareto/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/compound-frequency-severity-models-for-aggregate-loss/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-mean-of-compound-aggregate-loss/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-variance-of-compound-aggregate-loss/</loc>
		<lastmod>2026-11-12T16:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-discrete-aggregate-loss-distributions/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/simulating-aggregate-loss-with-frequency-and-severity/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-adjusted-frequency-and-severity-metrics/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/empirical-loss-distributions-from-observed-data/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/grouped-censored-and-truncated-loss-observations/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tail-sensitive-descriptive-summaries/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/plots-for-diagnosing-loss-distribution-shape/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-errors-in-loss-distribution-calculations/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-quantiles-and-the-definition-of-var/</loc>
		<lastmod>2026-11-12T16:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-from-cumulative-and-exceedance-distributions/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-for-discrete-losses/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-for-continuous-loss-models/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/interpreting-var-confidence-levels/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-under-shifts-and-rescaling-of-losses/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-across-time-horizons/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/historical-simulation-var/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/empirical-quantile-conventions-in-var/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/historical-simulation-var-with-a-worked-loss-sample/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/parametric-var-from-a-normal-loss-model/</loc>
		<lastmod>2026-11-12T16:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/comparing-var-models-through-backtesting/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-model-risk-under-changing-market-conditions/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-s-blind-spot-beyond-the-quantile/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-a-var-estimator-in-a-worked-case/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tail-value-at-risk-as-an-average-of-upper-quantiles/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-quantile-integral-formula-for-tvar/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-from-a-lognormal-loss-model/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/delta-normal-portfolio-var/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-portfolio-var-from-covariance-inputs/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/monte-carlo-var-estimation/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/monte-carlo-precision-and-simulation-error/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/var-estimation-with-limited-historical-data/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/backtesting-var-with-exception-counts/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/binomial-tests-for-var-backtesting/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-exception-clustering/</loc>
		<lastmod>2026-11-12T16:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/conditional-tail-expectation-and-expected-shortfall/</loc>
		<lastmod>2026-11-12T16:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-units-and-what-they-measure/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-bases-counts-time-and-amount/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-an-exposure-base-for-a-coverage/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-periods-and-coverage-dates/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/written-exposure-at-policy-inception/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-exposure-as-coverage-elapses/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/unearned-exposure-remaining-after-a-valuation-date/</loc>
		<lastmod>2026-11-12T16:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pro-rata-earning-of-exposure/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-exposure-for-annual-policies/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/short-term-policies-and-nonannual-terms/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/midterm-endorsements-and-exposure-changes/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/cancellations-reinstatements-and-earned-time/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-transactions-versus-policy-snapshots/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-level-data-fields-for-exposure/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/coverage-level-records-and-segmentation/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/modeling-multiple-insured-items-within-a-policy/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/coverage-specific-exposure-bases/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/vehicle-year-exposure-calculations/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/payroll-and-sales-exposure-bases/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/property-exposure-by-insured-value/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-units-with-changing-insured-amounts/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/splitting-exposure-across-coverages/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-exposure-to-policy-periods/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-exposure-to-calendar-experience-periods/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-across-policy-year-and-calendar-year-views/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/partial-year-experience-windows/</loc>
		<lastmod>2026-11-12T16:39:58+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/grouping-exposure-records-by-rating-attributes/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/joining-policy-coverage-and-exposure-tables/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/stable-identifiers-and-record-linkage/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-data-quality-date-checks/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-data-quality-units-and-missing-values/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/duplicate-policy-and-coverage-records/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/handling-exposure-corrections-and-restatements/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-exposure-totals/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/what-premium-represents-in-a-property-casualty-policy/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/written-premium-at-policy-inception/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/transaction-date-written-premium/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-premium-and-the-passage-of-coverage/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/unearned-premium-as-remaining-coverage-value/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/collected-premium-and-cash-receipts/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-written-earned-and-collected-premium/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/premium-components-and-policy-charges/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deposit-premiums-and-final-audits/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/auditable-exposure-bases-and-premium-audits/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/additional-and-return-premium-from-audits/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/adjustable-premium-policies/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reporting-policies-and-periodic-premium-declarations/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/endorsements-as-premium-changing-transactions/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/prorating-midterm-endorsement-premium-changes/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/cancellation-and-return-premium/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pro-rata-cancellation-calculations/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/short-rate-cancellation-calculations/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/flat-cancellations-and-rescinded-coverage/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reinstatement-premium-transactions/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/minimum-and-minimum-earned-premiums/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/installment-plans-and-premium-amounts/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/billing-dates-coverage-dates-and-premium/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/nonpayment-and-cancellation-premium-effects/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/straight-line-earning-of-policy-premium/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earning-premium-for-nonuniform-coverage/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/daily-monthly-and-1-24-premium-earning-methods/</loc>
		<lastmod>2026-11-12T16:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policies-spanning-multiple-accounting-periods/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-premium-from-multiple-policy-transactions/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-premium-transactions-to-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-premium-to-coverage-and-exposure/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/what-premium-shows-about-rate-adequacy/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-premium-measurement-errors/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-claim-and-claim-payment/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/paid-losses-from-claim-transactions/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/incurred-losses-as-paid-plus-case-reserves/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/claim-counts-by-claim-status/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/claim-frequency-and-its-exposure-denominator/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/gross-losses-recoveries-and-net-losses/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/salvage-and-subrogation-in-loss-measures/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-adjustment-expenses-and-their-purpose/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocated-loss-adjustment-expenses-by-claim/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/unallocated-loss-adjustment-expenses-across-claims/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-expenses-in-the-insurance-transaction/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/acquisition-and-other-underwriting-expense-categories/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/fixed-and-variable-underwriting-expenses/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/claim-level-and-policy-level-loss-aggregation/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/claim-identifiers-and-duplicate-count-controls/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/claim-transactions-and-claim-level-totals/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/occurrence-accident-report-and-payment-dates/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/accident-period-assignment/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-period-assignment/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/report-period-assignment/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calendar-period-assignment/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/accident-year-loss-measures/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-year-loss-measures/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calendar-year-loss-measures/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-a-period-basis-for-loss-data/</loc>
		<lastmod>2026-11-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-claim-losses-to-exposure-periods/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-claims-to-policies-and-coverages/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-loss-adjustment-expenses-to-claims/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-unallocated-expenses-to-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assigning-underwriting-expenses-to-periods-and-policies/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/integrated-loss-and-expense-data-example/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-loss-and-expense-data-mismatches/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/what-on-leveling-adjusts/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/rate-changes-and-their-effective-dates/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/how-policy-terms-earn-premium/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/written-and-earned-premium-at-different-rate-levels/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/compounding-sequential-rate-changes/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-on-level-factor-formula/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-the-experience-period-and-target-level/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/weighting-rate-levels-across-policies/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-extension-method-workflow/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/re-rating-historical-exposures/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-method-for-annual-policies/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-factors-for-staggered-policy-dates/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-method-for-unequal-policy-terms/</loc>
		<lastmod>2026-11-12T16:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extending-premium-through-multiple-rate-changes/</loc>
		<lastmod>2026-11-12T16:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/renewal-only-and-midterm-rate-changes/</loc>
		<lastmod>2026-11-12T16:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/midterm-effective-dates-and-prorated-earning/</loc>
		<lastmod>2026-11-12T16:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-method-with-exposure-records/</loc>
		<lastmod>2026-11-12T16:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-method-with-aggregated-data/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-parallelogram-method-s-geometric-model/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/one-rate-change-with-the-parallelogram-method/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/renewal-effective-changes-on-the-parallelogram/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/multiple-rate-changes-on-the-parallelogram/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/parallelogram-adjustments-for-nonuniform-writings/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-term-length-and-parallelogram-results/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-and-parallelogram-method-selection/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/premium-weights-and-changing-policy-mix/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-rate-changes-from-mix-changes/</loc>
		<lastmod>2026-11-12T16:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/fixed-mix-on-leveling-across-groups/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/direction-and-size-of-on-level-factors/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-rate-and-experience-period-dates/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-on-leveling-calculation-errors/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/trend-as-change-in-expected-loss-cost/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/frequency-severity-and-pure-premium-decomposition/</loc>
		<lastmod>2026-11-12T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-loss-measures-for-trend-analysis/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-changes-versus-exposure-trend/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/accident-policy-calendar-and-trend-periods/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-annual-trend-from-two-observations/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/annualizing-trend-across-unequal-intervals/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/arithmetic-versus-geometric-trend-averages/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/estimating-trend-with-time-series-regression/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/estimating-claim-frequency-trends/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/estimating-claim-severity-trends/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/estimating-pure-premium-trends/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-component-trends-with-aggregate-trend/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-frequency-and-severity-effects/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/trending-exposures-with-changing-risk-characteristics/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/projecting-exposure-measures-to-a-future-period/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-historical-and-prospective-trend-periods/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-a-prospective-trend-factor/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/inflation-measures-in-loss-trend-analysis/</loc>
		<lastmod>2026-11-12T16:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-medical-wage-and-repair-cost-indicators/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/adjusting-external-indicators-for-insurance-loss-costs/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-a-trend-from-historical-evidence/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/trend-diagnostics-with-plots-and-residuals/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calendar-effects-and-seasonal-loss-patterns/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/mix-shifts-that-distort-observed-trend/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/handling-large-claims-in-trend-estimates/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/distinguishing-loss-trend-from-loss-development/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/applying-trend-to-losses-and-exposures-consistently/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-projection-from-historical-loss-cost/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/projecting-frequency-and-severity-separately/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-errors-in-trend-calculations/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/documenting-a-trend-selection-and-sensitivity/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/a-unified-timeline-for-rate-level-and-trend-adjustments/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/distinguishing-experience-exposure-and-projection-periods/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-loss-and-premium-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/mapping-policy-effective-dates-to-earned-experience/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-the-prospective-cost-level-endpoint/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-rate-level-changes-from-loss-cost-trends/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-combined-adjustment-factor/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/compounding-sequential-rate-and-trend-factors/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-policy-year-experience-with-trend/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-accident-year-losses-with-premium-rate-level/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calendar-year-data-and-period-misalignment/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-premium-timing-in-combined-adjustments/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/midpoint-approximations-for-trend-alignment/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-consistent-frequency-and-severity-trend-periods/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-trend-versus-loss-cost-trend/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-the-trend-interval-from-experience-to-prospective-period/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/annual-and-partial-year-trend-factor-calculations/</loc>
		<lastmod>2026-11-12T16:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/trend-endpoint-consistency-across-data-components/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/ordering-on-leveling-and-trending-operations/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combined-adjustments-in-a-loss-ratio-indication/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combined-adjustments-in-a-pure-premium-indication/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/when-exposure-should-not-receive-a-loss-trend/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-double-counted-rate-changes/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-double-counted-loss-trend/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/correcting-mismatched-trend-periods/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/detecting-inconsistent-premium-earning-assumptions/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-rate-level-effects-from-policy-mix-shifts/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/checking-factor-units-directions-and-bases/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/integrated-on-leveling-and-trending-calculation/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/a-diagnostic-checklist-for-combined-adjustments/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/anatomy-of-an-overall-rate-level-indication/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/indicated-rate-level-versus-indicated-rate-change/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-the-experience-period/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-the-experience-period-with-the-effective-date/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-among-accident-policy-and-calendar-periods/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-the-exposure-base-for-an-indication/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-the-premium-base/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-and-written-premium-in-indication-data/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/the-role-of-on-level-premium-in-an-indication/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/establishing-the-current-rate-level-baseline/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-a-consistent-loss-measure/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-loss-adjustment-expenses-to-the-loss-basis/</loc>
		<lastmod>2026-11-12T16:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-ultimate-losses-as-an-indication-input/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/projecting-historical-loss-costs-to-the-prospective-period/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/defining-the-trend-period-boundaries/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-exposure-premium-and-loss-records/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/accounting-for-changes-in-coverage-and-business-mix/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-multiple-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-weights-for-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/building-an-indication-adjustment-ledger/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-overall-indication-relationship/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/converting-an-indicated-factor-to-a-percentage-change/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/why-numerator-and-denominator-must-share-a-basis/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-to-the-premium-base/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-to-the-projected-loss-selection/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/how-an-added-experience-year-changes-the-indication/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-of-a-single-period-indication-setup/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-of-a-multi-period-indication-setup/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-with-a-changed-current-rate-level/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-mismatched-experience-periods/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-duplicate-adjustments/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-indication-inputs-with-source-data/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/end-to-end-workshop-for-selecting-indication-inputs/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actual-loss-ratios-as-measures-of-rate-adequacy/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-permissible-loss-ratio/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-loss-ratio-indication-equation/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/interpreting-indicated-factors-and-percentage-changes/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/comparing-actual-and-permissible-loss-ratios/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/building-an-actual-loss-ratio-from-experience-data/</loc>
		<lastmod>2026-11-12T16:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-indications-across-coverage-segments/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-losses-and-premiums-to-the-same-experience-period/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/applying-rate-changes-to-earned-premium/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/extension-on-leveling-for-loss-ratio-indications/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/parallelogram-on-leveling-for-loss-ratio-indications/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/cumulative-on-level-factors-across-rate-changes/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/development-adjustments-to-actual-loss-ratios/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-selected-ultimate-losses-in-an-indication/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aligning-trend-periods-with-the-rate-effective-date/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-development-and-trend-adjustments/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-combined-adjusted-loss-ratio/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/rate-change-direction-and-reciprocal-factors/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/indications-with-rate-decreases/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/multi-year-loss-ratio-indications/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/premium-weighting-across-experience-years/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/aggregate-ratios-versus-simple-averages/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-adjustment-expense-consistency-in-indications/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/permissible-ratios-for-different-expense-structures/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/fixed-expense-effects-on-the-permissible-ratio/</loc>
		<lastmod>2026-11-12T16:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/rate-mix-changes-and-loss-ratio-interpretation/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/large-loss-effects-on-the-loss-ratio-indication/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-to-trend-and-development-selections/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-implausible-loss-ratio-indications/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-loss-ratio-indication-errors/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-problems-on-premium-on-leveling/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-problems-on-trend-and-development/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/a-complete-loss-ratio-indication-calculation/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pure-premium-as-loss-cost-per-exposure/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-an-exposure-base-for-an-indication/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-and-written-exposures-in-pure-premium-analysis/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/matching-losses-and-exposures-to-the-same-basis/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-basic-pure-premium-indication-formula/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-cost-versus-indicated-rate/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/converting-an-indicated-rate-into-a-percentage-change/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-single-period-pure-premium-indication/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pooling-experience-across-multiple-periods/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/why-exposure-weighted-pure-premiums-differ-from-simple-averages/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/selecting-exposure-volume-for-the-indication/</loc>
		<lastmod>2026-11-12T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/projecting-the-exposure-basis-to-the-future-period/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/applying-loss-trend-to-pure-premium-indications/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pure-premiums-under-a-changing-exposure-mix/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/including-loss-adjustment-expense-in-the-pure-premium/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/maintaining-coverage-consistency-in-loss-cost-comparisons/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/converting-pure-premiums-between-exposure-units/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/using-projected-ultimate-losses-as-pure-premium-inputs/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pure-premium-and-loss-ratio-indications-under-consistent-assumptions/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-when-pure-premium-and-loss-ratio-indications-agree/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/data-requirements-of-pure-premium-and-loss-ratio-methods/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/interpreting-conflicting-pure-premium-and-loss-ratio-indications/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/why-premium-is-not-the-pure-premium-denominator/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/exposure-denominator-errors-in-pure-premium-calculations/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/handling-sparse-or-zero-exposure-periods/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-of-indications-to-exposure-and-loss-selections/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-pure-premium-under-two-exposure-bases/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-example-trend-adjusted-loss-cost-to-indicated-rate/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/comparing-pure-premiums-across-experience-windows/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-a-premium-level-mismatch-in-a-method-comparison/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/pure-premium-indications-with-changing-exposure-volume/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/integrated-pure-premium-indication-problem/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expense-categories-in-ratemaking/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/distinguishing-fixed-variable-and-semi-variable-costs/</loc>
		<lastmod>2026-11-12T16:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/premium-related-expense-provisions/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/loss-related-expense-provisions/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-alae-and-ulae-to-rate-components/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/choosing-an-expense-allocation-base/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-fixed-expenses-by-exposure/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-expenses-by-premium/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-expenses-by-loss/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-counts-units-and-exposure-allocation/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-fixed-expense-per-exposure/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-variable-expense-ratios/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/calculating-loss-related-expense-ratios/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-fixed-and-variable-expense-loads/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-the-gross-rate-formula/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/fixed-expense-ratio-formulations/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expense-constants-per-policy/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/policy-fees-and-rate-funded-expenses/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-expenses-across-coverages/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/class-specific-expense-provisions/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expense-loads-and-classification-relativities/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expense-allocation-and-cross-subsidies/</loc>
		<lastmod>2026-11-12T16:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/expense-bases-for-heterogeneous-policies/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/building-expense-provisions-from-ledger-data/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-expense-data-to-policy-statistics/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/earned-and-written-premium-bases-for-expense-ratios/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/trending-fixed-expense-per-exposure/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/rate-changes-and-variable-expense-provisions/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/multiple-premium-percentage-expense-loads/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/allocating-shared-overhead-to-rate-components/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/avoiding-expense-double-counting/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-expense-provision-selections/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-calculations-for-a-single-coverage/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/integrated-multi-class-expense-allocation-workshop/</loc>
		<lastmod>2026-11-12T16:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-profit-as-a-rate-provision/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-margin-and-combined-ratio/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-return-versus-return-on-surplus/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/converting-a-target-return-on-surplus/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/underwriting-and-investment-return-components/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/timing-of-premium-and-loss-cash-flows/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/investment-income-on-unearned-premium/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/investment-income-on-loss-reserves/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/investment-yield-and-asset-duration/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/investment-income-per-premium-dollar/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-an-investment-income-adjusted-profit-provision/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/gross-and-net-investment-income-conventions/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tax-effects-on-target-underwriting-profit/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/contingency-provisions-for-uncertainty/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/contingency-load-versus-expected-profit/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/variability-based-contingency-loads/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/deriving-a-safety-load-from-a-loss-probability/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/tail-risk-measures-for-contingency-provisions/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/cost-of-capital-for-underwriting-risk/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/contingency-loads-for-parameter-uncertainty/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diversification-in-portfolio-contingency-loads/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/investment-income-on-contingency-funds/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/separating-profit-and-contingency-allowances/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-of-profit-provisions-to-investment-yield/</loc>
		<lastmod>2026-11-12T16:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/sensitivity-of-profit-provisions-to-surplus-leverage/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/diagnosing-negative-profit-provisions/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-errors-in-investment-income-credits/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/common-errors-in-return-and-margin-conversions/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-target-return-on-surplus-calculation/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-investment-income-and-tax-calculation/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/worked-contingency-provision-comparison/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/integrated-profit-and-contingency-provision-exercise/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/reconciling-indication-inputs/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/assembling-an-overall-rate-indication/</loc>
		<lastmod>2026-11-12T16:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/combining-loss-costs-with-expense-provisions/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/evaluating-rate-caps-and-phased-changes/</loc>
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