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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/sources-and-measurement-of-basis-risk/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/designing-parametric-and-index-triggers/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/collateralized-reinsurance-structures/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/industry-loss-warranties/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/weather-derivatives-and-other-insurance-derivatives/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/parties-and-special-purpose-vehicles-in-art/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/collateral-quality-haircuts-and-liquidity/</loc>
		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:30+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:31+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:32+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:33+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/selecting-reinsurance-against-catastrophe-exposures/</loc>
		<lastmod>2026-11-12T16:48:35+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:38+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:39+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:39+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/modeling-collateral-effects-on-credit-exposure/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/netting-and-guarantees-in-credit-loss-models/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/setting-counterparty-credit-limits/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/counterparty-credit-stress-and-limit-breaches/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/validating-credit-models-with-backtesting/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/credit-model-uncertainty-and-sensitivity-analysis/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/integrated-credit-portfolio-modeling-workshop/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/market-risk-factors-in-insurer-portfolios/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/dollar-duration-and-dv01-calculations/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/macaulay-and-modified-duration-in-portfolio-measurement/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/effective-duration-for-callable-and-option-embedded-assets/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/convexity-corrections-to-duration-based-loss-estimates/</loc>
		<lastmod>2026-11-12T16:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/key-rate-duration-for-nonparallel-yield-curves/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/diagnosing-asset-liability-duration-gaps/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/equity-beta-and-systematic-market-exposure/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/delta-and-gamma-for-equity-options/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/measuring-foreign-exchange-exposure-with-net-currency-positions/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/spread-duration-for-fixed-income-credit-spreads/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/decomposing-bond-losses-into-rate-and-spread-effects/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/designing-factor-based-market-scenarios/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/repricing-portfolios-under-yield-curve-scenarios/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/sensitivity-based-estimates-of-market-var/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/parametric-var-with-correlated-market-factors/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/historical-simulation-var-for-insurer-portfolios/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/monte-carlo-var-for-nonlinear-exposures/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/interpreting-differences-between-var-and-sensitivity-results/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/common-errors-in-market-risk-measurement/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/integrated-market-risk-measurement-problems/</loc>
		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<lastmod>2026-11-12T16:48:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/asset-liability-management-through-cash-flow-matching/</loc>
		<lastmod>2026-11-12T16:49:16+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/deriving-a-duration-based-interest-rate-hedge/</loc>
		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/market-risk-mitigation-under-extreme-moves/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/model-risk-in-hedge-design-and-stress-results/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/hedge-slippage-from-rebalancing-and-transaction-costs/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/managing-derivative-counterparty-and-collateral-exposure/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/market-risk-management-for-illiquid-assets/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/choosing-market-risk-actions-under-competing-constraints/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-as-an-insurer-owned-solvency-assessment/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/the-own-view-of-risk-and-solvency/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/mapping-orsa-to-the-insurer-s-risk-profile/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/defining-material-risks-for-orsa-governance/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/entity-and-group-boundaries-in-orsa-ownership/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/connecting-orsa-governance-to-strategy/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/connecting-orsa-governance-to-capital-management/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-as-a-decision-support-framework/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-versus-point-in-time-capital-measurement/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-versus-regulatory-capital-compliance/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-versus-a-standalone-capital-model/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/board-oversight-of-orsa/</loc>
		<lastmod>2026-11-12T16:49:18+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/board-challenge-and-approval-of-orsa/</loc>
		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/the-risk-function-s-contribution-to-orsa/</loc>
		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/orsa-committees-and-decision-rights/</loc>
		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:19+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/structuring-the-orsa-assessment-report/</loc>
		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/factor-based-capital-calculations/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/confidence-levels-time-horizons-and-risk-calibration/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/capital-recognition-deductions-and-eligibility-limits/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/solvency-ratios-and-minimum-capital-thresholds/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/covariance-aggregation-in-u-s-rbc-formulas/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/worked-u-s-rbc-calculation-and-control-levels/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/international-solvency-frameworks-and-their-capital-measures/</loc>
		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:21+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:22+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-cas-exam-9/reinsurance-recoverables-and-counterparty-capital-charges/</loc>
		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:23+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:24+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:24+00:00</lastmod>
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		<lastmod>2026-11-12T16:49:25+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/errors-a-trial-balance-cannot-reveal/</loc>
		<lastmod>2026-11-12T16:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/locating-trial-balance-discrepancies/</loc>
		<lastmod>2026-11-12T16:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-journal-to-trial-balance-workshop/</loc>
		<lastmod>2026-11-12T16:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-debit-credit-and-equation-mistakes/</loc>
		<lastmod>2026-11-12T16:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-accounting-versus-accrual-accounting/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/recognizing-revenue-when-it-is-earned/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/recognizing-expenses-when-they-are-incurred/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/reconciling-cash-flows-to-accrual-income/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-purpose-and-structure-of-adjusting-entries/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-entries-for-accrued-revenue/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-entries-for-unearned-revenue/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-entries-for-accrued-expenses/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-entries-for-prepaid-expenses/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-supplies-from-a-period-end-count/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accruing-interest-across-reporting-dates/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accruing-payroll-at-period-end/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/straight-line-depreciation-adjustments/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/partial-year-depreciation/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-depreciation-expense-patterns/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/depreciation-expense-and-asset-carrying-value/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-allowance-method-for-uncollectible-accounts/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/estimating-the-allowance-by-aging-receivables/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/writing-off-an-uncollectible-account/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/recovering-a-previously-written-off-receivable/</loc>
		<lastmod>2026-11-12T16:50:35+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-period-end-adjustment-errors/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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	</url>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/asset-disposals-and-gain-or-loss/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/unearned-revenue-and-customer-deposits/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/current-debt-and-maturities-of-long-term-borrowing/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/provisions-and-contingent-liabilities/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/retained-earnings-and-accumulated-deficits/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-dividends-and-their-equity-effects/</loc>
		<lastmod>2026-11-12T16:50:36+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-classification-and-measurement-errors/</loc>
		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/period-end-cutoff-and-adjustment-logic/</loc>
		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:37+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:38+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:50:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/balance-sheet-subtotals-and-the-accounting-check/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/working-capital-as-a-dollar-measure/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-reclassification-changes-working-capital/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/operating-transactions-and-balance-sheet-changes/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/investing-transactions-and-asset-composition/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/borrowing-and-repayment-on-the-balance-sheet/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/owner-contributions-and-distributions/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/collecting-receivables-and-selling-inventory/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/current-portions-of-long-term-obligations/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/why-balanced-transactions-preserve-the-accounting-identity/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/transactions-that-change-working-capital-but-not-total-assets/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-a-comparative-balance-sheet/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-an-unbalanced-balance-sheet/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-classification-and-presentation-errors/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/classified-balance-sheet-construction-workshop/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/income-statement-sections-and-account-mapping/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/net-sales-from-revenue-and-contra-revenue-accounts/</loc>
		<lastmod>2026-11-12T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cost-of-goods-sold-and-gross-profit/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/operating-expenses-and-operating-income/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/single-step-income-statement-construction/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/multi-step-income-statement-construction/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/nonoperating-items-and-income-before-tax/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interest-expense-and-earnings-before-taxes/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/income-tax-expense-and-net-income/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/unusual-items-and-discontinued-operations/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accrual-net-income-versus-cash-receipts/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/income-statement-construction-from-account-balances/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/basic-earnings-per-share/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/weighted-average-shares-for-basic-eps/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/preferred-dividends-and-income-available-to-common-shareholders/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/basic-eps-calculation-pitfalls/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/retained-earnings-changes-during-a-reporting-period/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-dividends-and-their-effect-on-retained-earnings/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/statement-of-retained-earnings-construction/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-stock-issuance-and-paid-in-capital/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/treasury-stock-transactions-in-the-equity-rollforward/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/statement-of-changes-in-stockholders-equity/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/other-comprehensive-income-and-accumulated-oci/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comprehensive-income-and-the-equity-reconciliation/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-earnings-and-equity-statement-workshop/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/purpose-and-structure-of-the-statement-of-cash-flows/</loc>
		<lastmod>2026-11-12T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/classifying-operating-investing-and-financing-cash-flows/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-cash-equivalents-and-the-reconciliation-target/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/reading-source-data-for-cash-flow-preparation/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-direct-method-for-operating-cash-flows/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-cash-receipts-from-customers/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-cash-paid-to-suppliers/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-cash-paid-for-operating-expenses/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/direct-method-cash-flows-for-interest-and-taxes/</loc>
		<lastmod>2026-11-12T16:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-flows-from-property-plant-and-equipment/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-flows-from-investments-and-acquisitions/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/debt-and-equity-financing-cash-flows/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-indirect-method-bridge-from-net-income/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/why-depreciation-is-added-back/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-for-gains-and-losses-in-operating-cash-flow/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/working-capital-changes-and-indirect-method-signs/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accruals-deferrals-and-operating-cash-flow/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/noncash-transactions-and-supplemental-disclosures/</loc>
		<lastmod>2026-11-12T16:50:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-asset-purchases-from-account-changes/</loc>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-debt-and-equity-cash-flows-from-balances/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/reconciling-opening-and-closing-cash/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/preparing-the-indirect-method-from-financial-statements/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/preparing-the-direct-method-from-transaction-data/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-flow-statement-sign-and-classification-errors/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-cash-flow-statement-preparation-workshop/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-cash-change-equation/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/capital-expenditures-and-property-roll-forwards/</loc>
		<lastmod>2026-11-12T16:50:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/asset-disposals-book-value-and-gains/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/borrowing-interest-and-debt-repayment/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/receivables-and-the-timing-of-revenue-cash/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-earnings-cash-flow-divergence/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-errors-in-three-statement-reconciliation/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-reconciliation-of-growth-and-working-capital/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-a-company-through-all-three-statements/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/what-financial-ratios-can-and-cannot-show/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/translating-a-business-question-into-a-ratio/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/mapping-ratio-inputs-to-statement-line-items/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/choosing-a-numerator-that-matches-the-question/</loc>
		<lastmod>2026-11-12T16:50:44+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/choosing-a-denominator-and-its-economic-meaning/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/matching-income-statement-flows-with-balance-sheet-stocks/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-average-balance-denominators/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/when-ending-balances-are-more-appropriate/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/matching-measurement-periods-and-reporting-dates/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/scaling-ratios-as-percentages-multiples-or-days/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/handling-units-currency-and-share-counts/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/formula-conventions-and-consistent-definitions/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/calculating-ratios-from-raw-statements/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-backward-from-a-reported-ratio/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-ratio-scaling-changes-with-firm-size/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/reading-a-firm-s-ratio-trend/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-ratios-across-peer-companies/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/using-business-models-to-explain-ratio-differences/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accounting-policies-and-ratio-comparability/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/adjusting-comparisons-for-one-time-items/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-ratios-with-zero-or-negative-denominators/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/separating-ratio-change-from-its-causes/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-conflicting-signals-across-ratios/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-errors-in-ratio-construction/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-ratio-construction-and-interpretation-workshop/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/assessing-the-quality-of-current-assets/</loc>
		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:45+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/operating-cash-flow-as-a-liquidity-signal/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/seasonality-and-balance-sheet-liquidity-ratios/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/growth-and-short-term-funding-pressure/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-liquidity-across-business-models/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/when-low-liquidity-ratios-need-context/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/early-warning-signs-of-liquidity-deterioration/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/improving-receivables-collection-and-cash-flow/</loc>
		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-short-term-liquidity-diagnosis/</loc>
		<lastmod>2026-11-12T16:50:47+00:00</lastmod>
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		<lastmod>2026-11-12T16:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/gross-profit-margin-and-product-economics/</loc>
		<lastmod>2026-11-12T16:51:08+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/net-profit-margin-and-nonoperating-effects/</loc>
		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-size-income-statements-for-margin-analysis/</loc>
		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/return-on-assets-earnings-relative-to-assets/</loc>
		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:09+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-size-income-statements-for-debt-burden/</loc>
		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/decomposing-changes-in-debt-to-equity/</loc>
		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/linking-leverage-ratios-to-coverage-ratios/</loc>
		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accounting-policy-comparability-in-solvency-analysis/</loc>
		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/seasonality-and-period-end-debt-ratios/</loc>
		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:10+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-compound-future-value-formula/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/calculating-present-value-by-discounting/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-present-future-value-equivalence/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/separating-principal-from-interest-earned/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-interest-rates-change-single-sum-values/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-time-changes-present-and-future-values/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/moving-one-payment-to-a-new-valuation-date/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-lump-sum-offers-at-a-common-date/</loc>
		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:11+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-single-payment-valuation-errors/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-future-value-of-an-ordinary-annuity/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-for-annuity-payments-from-present-or-future-value/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-for-the-number-of-annuity-payments/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/finding-the-rate-implied-by-an-annuity/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/annuities-due-and-payment-timing/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-annuities-due-with-worked-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-present-values-of-deferred-annuities/</loc>
		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:12+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:13+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-rate-and-amortization-errors-in-loan-cases/</loc>
		<lastmod>2026-11-12T16:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-timelines-for-irregular-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/present-value-of-an-uneven-cash-flow-stream/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/future-value-of-an-uneven-cash-flow-stream/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-present-value-sum-for-irregular-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/moving-a-cash-flow-value-between-dates/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-flows-at-unequal-time-intervals/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/discounting-cash-flows-with-spot-rates/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/grouping-repeated-payments-in-an-irregular-stream/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/combining-annuities-and-one-off-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/equivalent-uniform-annual-payments/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-equivalent-annual-payment-formula/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-shifting-a-payment-date-changes-present-value/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-discount-rates-and-timing-affect-present-value/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-for-an-unknown-cash-flow/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-for-an-unknown-payment-date/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/solving-for-a-rate-on-an-irregular-stream/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-payment-alternatives-at-a-common-date/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-irregular-savings-and-withdrawal-schedules/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-settlement-installment-schedules/</loc>
		<lastmod>2026-11-12T16:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/matching-nominal-and-real-cash-flows-to-discount-rates/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-the-discount-rate-for-a-cash-flow-stream/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/avoiding-date-sign-and-compounding-errors/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/why-equal-nominal-totals-can-have-different-values/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/incremental-project-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-stand-alone-project-principle/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/sunk-costs-in-capital-budgeting/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/opportunity-costs-of-project-resources/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cannibalization-and-synergy-effects/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/after-tax-incremental-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/forecasting-incremental-operating-revenues-and-costs/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/depreciation-book-income-and-project-taxes/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-depreciation-tax-shield/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/ebit-based-operating-cash-flow/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/net-income-based-operating-cash-flow/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/capital-expenditures-and-initial-outlays/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/net-working-capital-in-project-analysis/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/converting-working-capital-changes-to-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-a-project-cash-flow-timeline/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/terminal-cash-flow-components/</loc>
		<lastmod>2026-11-12T16:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-with-nonannual-cash-flow-dates/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/applying-the-required-return-in-npv/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-npv-accept-or-reject-rule/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-npv-as-added-shareholder-wealth/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-positive-zero-and-negative-npv/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-cash-flow-timing-changes-npv/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-project-scale-changes-npv/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/incremental-cash-flows-in-npv-comparisons/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/tax-on-asset-disposal-and-after-tax-salvage/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/recovering-net-working-capital-at-project-end/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/tax-losses-and-depreciation-shield-limitations/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/replacement-project-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/avoidable-and-unavoidable-costs-in-project-forecasts/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/converting-accounting-forecasts-to-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/worked-example-product-launch-with-cannibalization/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/worked-example-equipment-investment-with-working-capital/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/worked-example-project-cash-flows-with-taxable-salvage/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-cash-flow-timelines-and-sign-conventions/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/discounting-project-cash-flows-individually/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-for-level-annual-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accepting-independent-projects-by-npv/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-ranking-without-a-capital-constraint/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/selecting-projects-under-a-capital-budget/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/indivisible-projects-and-portfolio-npv/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/why-npv-ratios-can-misrank-budgeted-projects/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/using-unused-budget-when-projects-are-independent/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-and-the-reinvestment-assumption/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/matching-inflation-in-cash-flows-and-discount-rates/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-flows-versus-accounting-earnings-in-npv/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/npv-calculation-errors-and-diagnostic-checks/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/a-capital-budget-npv-selection-workshop/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/an-integrated-npv-decision-case/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-internal-rate-of-return-equation/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/irr-for-level-annual-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/reading-an-npv-profile/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-irr-hurdle-rate-decision/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/why-conventional-projects-have-one-irr/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/multiple-irrs-from-changing-cash-flow-signs/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/projects-with-no-nonnegative-irr/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/checking-irr-roots-with-npv-tables/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/calculating-simple-payback/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/fractional-year-payback/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-payback-cutoff-rule/</loc>
		<lastmod>2026-11-12T16:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/discounted-payback-versus-npv/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/scale-conflicts-between-irr-and-npv/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/timing-conflicts-between-irr-and-npv/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/irr-reinvestment-interpretations/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/calculating-mirr-from-project-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/mirr-for-nonconventional-cash-flows/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/irr-and-payback-decision-workshop/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-a-replacement-chain/</loc>
		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:19+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/calculating-switching-values-for-project-assumptions/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-project-rankings-across-scenarios/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-joint-sensitivity-in-project-decisions/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/assessing-the-stability-of-project-rankings/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cash-income-and-price-change-in-investment-returns/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/holding-period-returns-with-multiple-cash-distributions/</loc>
		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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		<lastmod>2026-11-12T16:51:20+00:00</lastmod>
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