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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/security-market-line-versus-capital-market-line/</loc>
		<lastmod>2026-11-12T16:52:49+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:49+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:50+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:50+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:50+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:51+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<lastmod>2026-11-12T16:52:52+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/separating-operating-risk-from-financing-risk/</loc>
		<lastmod>2026-11-12T16:52:54+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/sustainable-growth-in-dividend-valuation/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/two-stage-dividend-discount-models/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/modeling-growth-transitions-with-the-h-model/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-stocks-with-irregular-dividend-timing/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-shares-before-dividends-begin/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/modeling-payout-changes-in-dividend-forecasts/</loc>
		<lastmod>2026-11-12T16:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/scenario-analysis-for-dividend-discount-valuation/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/dividend-discount-valuation-with-declining-dividends/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/when-gordon-growth-valuation-breaks-down/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/common-timing-and-input-errors-in-dividend-discount-models/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/integrated-dividend-discount-valuation-workshop/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/market-value-cash-flows-growth-and-required-return/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/enterprise-value-and-equity-value/</loc>
		<lastmod>2026-11-12T16:54:13+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/from-enterprise-value-to-equity-value/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/market-capitalization-and-diluted-shares/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/book-value-versus-market-value/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/fundamental-drivers-of-the-price-to-earnings-ratio/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/trailing-and-forward-price-to-earnings-ratios/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/normalizing-earnings-for-p-e-comparisons/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interpreting-p-e-across-growth-and-risk/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/peg-ratios-and-growth-adjusted-comparisons/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/price-to-book-ratios-and-return-on-equity/</loc>
		<lastmod>2026-11-12T16:54:14+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/price-to-sales-ratios-and-profit-margins/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/ev-to-ebitda-comparisons/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/ev-to-ebit-and-depreciation-intensity/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/ev-to-sales-and-operating-margin/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/price-to-free-cash-flow-and-ev-to-free-cash-flow/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/matching-valuation-multiples-to-cash-flow-claims/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/selecting-comparable-companies/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/accounting-differences-in-relative-valuation/</loc>
		<lastmod>2026-11-12T16:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cyclical-earnings-and-misleading-multiples/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-firms-with-negative-earnings/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/share-dilution-and-per-share-valuation/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/enterprise-value-adjustments-for-nonoperating-claims/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/triangulating-intrinsic-and-relative-valuations/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuation-sensitivity-and-diagnostic-checks/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/option-contract-terms-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/translating-contract-details-into-payoff-inputs/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-long-call-payoff/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-the-long-put-payoff/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/graphing-a-long-call-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/graphing-a-long-put-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/graphing-a-short-call-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/graphing-a-short-put-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/opposite-payoffs-for-long-and-short-positions/</loc>
		<lastmod>2026-11-12T16:54:16+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/from-option-payoff-to-profit/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/long-call-break-even-price/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/long-put-break-even-price/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/short-call-profit-and-break-even/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/short-put-profit-and-break-even/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/payoff-and-profit-diagrams-compared/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/moneyness-at-expiration/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/kinks-slopes-and-boundary-values/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-long-call-s-asymmetric-exposure/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/the-long-put-s-asymmetric-exposure/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/loss-exposure-of-a-short-call/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/risk-and-reward-of-a-short-put/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/scaling-option-payoffs-to-contract-size/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-expiration-payoff-tables/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/diagnosing-option-payoff-errors/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/mixed-call-and-put-expiration-problems/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/decomposing-option-premiums/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/moneyness-and-time-value-across-strikes/</loc>
		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:17+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-stock-price-changes-put-value/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/exercise-price-effects-on-calls-and-puts/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/time-to-expiration-for-european-puts/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interest-rates-and-european-call-values/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/interest-rates-and-european-put-values/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/dividends-and-european-put-values/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/american-and-european-option-values/</loc>
		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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		<lastmod>2026-11-12T16:54:18+00:00</lastmod>
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	<url>
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		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-debt-as-risk-free-debt-minus-a-put/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/how-leverage-allocates-firm-value-between-investors/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/debt-overhang-and-shareholder-underinvestment/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/debt-maturity-and-incentives-to-change-firm-risk/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/warrant-payoffs-and-corporate-issuance/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/deriving-warrant-dilution-per-share/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/warrant-value-before-and-at-exercise/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/convertible-bond-payoffs-and-conversion-value/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/decomposing-a-convertible-bond-into-debt-and-an-option/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/conversion-thresholds-and-forced-conversion/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/convertible-securities-and-shareholder-risk-incentives/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/employee-options-as-compensation-claims/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/employee-options-dilution-and-shareholder-value/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/vesting-forfeiture-and-early-exercise-incentives/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/employee-options-and-risk-taking-incentives/</loc>
		<lastmod>2026-11-12T16:54:19+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/a-numerical-debt-overhang-investment-case/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparing-warrants-and-convertibles-for-financing/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/choosing-option-based-financing-under-conflicting-incentives/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/building-an-integrated-forecast-to-value-model/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/incremental-cash-flows-in-a-capacity-expansion/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/cannibalization-and-opportunity-cost-in-product-launch-valuation/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/working-capital-and-asset-disposal-in-terminal-cash-flows/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/wacc-with-target-and-changing-capital-weights/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparable-firm-betas-for-new-business-lines/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/wacc-and-apv-for-leveraged-projects/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/valuing-tax-shields-with-changing-debt-policies/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/separating-operating-enterprise-value-from-financing-claims/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/debt-capacity-and-project-selection-under-leverage-limits/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/equity-cash-flows-after-a-leveraged-project/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/choosing-debt-or-equity-to-fund-an-expansion/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/replacement-projects-with-taxable-asset-disposal/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/asset-volatility-default-probability-and-credit-spreads/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/comparative-statics-of-equity-and-debt-values/</loc>
		<lastmod>2026-11-12T16:54:20+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/timing-conflicts-between-npv-and-irr/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/unequal-life-projects-with-replacement-chains/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/capital-rationing-across-dependent-projects/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/scenario-analysis-with-correlated-forecast-drivers/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/stress-testing-wacc-and-financing-capacity-together/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/staged-investment-under-uncertainty/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/investment-versus-payout-with-limited-funds/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-accounting-and-finance/acquisition-premium-synergies-and-financing/</loc>
		<lastmod>2026-11-12T16:54:21+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/demand-as-willingness-and-ability-to-buy/</loc>
		<lastmod>2026-11-12T17:22:33+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/building-a-demand-schedule-from-purchase-plans/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/plotting-a-demand-curve-from-a-schedule/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/the-law-of-demand-and-its-ceteris-paribus-condition/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/solving-and-graphing-linear-demand-equations/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/inverse-demand-and-recovering-price-from-quantity/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/demand-versus-quantity-demanded-on-a-graph/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/individual-demand-and-market-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/adding-individual-demand-schedules-horizontally/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/deriving-market-demand-from-individual-equations/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/reading-demand-curve-intercepts-and-slopes/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/own-price-changes-as-movements-along-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/income-changes-as-shifts-in-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/normal-goods-and-rising-income/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/inferior-goods-and-rising-income/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/substitute-prices-and-demand-shifts/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/complement-prices-and-demand-shifts/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/preference-changes-and-demand-shifts/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/expected-future-prices-and-current-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/expected-income-and-current-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/expected-product-availability-and-current-demand/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/buyer-numbers-and-market-demand/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/consumer-composition-and-market-demand/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/demand-shift-direction-with-multiple-changing-factors/</loc>
		<lastmod>2026-11-12T17:22:34+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/translating-market-news-into-demand-graphs/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/why-supply-usually-rises-with-price/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/constructing-supply-schedules-from-producer-data/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/graphing-supply-schedules/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/supply-functions-and-their-parameters/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/ceteris-paribus-and-supply-shifters/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/price-changes-and-movements-along-supply/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/how-nonprice-determinants-shift-supply/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/storable-goods-and-expected-future-prices/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/individual-supply-versus-market-supply/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/deriving-market-supply-by-horizontal-summation/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/market-supply-from-discrete-firm-schedules/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/step-shaped-supply-curves-from-heterogeneous-producers/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/firm-level-versus-market-level-supply-changes/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/multiple-supply-shifters-and-ambiguous-directions/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/diagnosing-supply-shifts-from-producer-news/</loc>
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		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/perfect-complements-utility-and-kinked-indifference-curves/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/quasilinear-utility-and-constant-marginal-utility/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/ces-utility-and-substitution-patterns/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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	<url>
		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/log-utility-and-equivalent-ordinal-representations/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/quadratic-utility-and-diminishing-marginal-utility/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/utility-values-below-zero-or-above-one/</loc>
		<lastmod>2026-11-12T17:22:40+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/testing-diminishing-marginal-utility-with-second-derivatives/</loc>
		<lastmod>2026-11-12T17:22:41+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/curvature-conditions-for-diminishing-mrs/</loc>
		<lastmod>2026-11-12T17:22:41+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/worked-derivations-of-utility-mu-and-mrs/</loc>
		<lastmod>2026-11-12T17:22:41+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/common-errors-in-interpreting-utility-and-mrs/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/consumer-choice-as-constrained-utility-maximization/</loc>
		<lastmod>2026-11-12T17:22:41+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/using-indifference-curves-to-locate-a-consumer-optimum/</loc>
		<lastmod>2026-11-12T17:22:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/choosing-among-discrete-affordable-bundles/</loc>
		<lastmod>2026-11-12T17:22:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/why-nonsatiated-consumers-spend-the-full-budget/</loc>
		<lastmod>2026-11-12T17:22:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/the-interior-tangency-rule-for-two-goods/</loc>
		<lastmod>2026-11-12T17:22:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/deriving-the-tangency-rule-with-lagrange-multipliers/</loc>
		<lastmod>2026-11-12T17:22:42+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/equal-marginal-utility-per-dollar-across-goods/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/a-worked-interior-choice-with-square-root-utility/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/solving-cobb-douglas-consumer-choice-problems/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/deriving-cobb-douglas-budget-shares/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/quasilinear-utility-and-the-interior-optimum/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/perfect-substitutes-and-utility-maximizing-endpoints/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/perfect-complements-and-kink-solutions/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/boundary-optimization-for-zero-consumption-choices/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/kuhn-tucker-conditions-for-consumer-choice/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/when-a-tangency-is-a-global-maximum/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/non-convex-preferences-and-multiple-optimal-bundles/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/solving-consumer-choice-with-piecewise-utility/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/the-lagrange-multiplier-as-marginal-utility-of-income/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/consumer-choice-with-three-goods/</loc>
		<lastmod>2026-11-12T17:22:43+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/ces-utility-and-the-role-of-substitutability/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/how-relative-prices-change-interior-and-corner-choices/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/mixed-consumer-choice-problems-with-interior-and-boundary-optima/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/individual-demand-from-utility-maximization/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/price-consumption-curves-and-demand-curves/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/cobb-douglas-demand-functions/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/perfect-substitutes-and-corner-demand/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/perfect-complements-and-fixed-proportion-demand/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/income-consumption-curves/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/engel-curves-from-optimal-bundles/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/income-elasticity-and-good-classification/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/necessities-luxuries-and-engel-curve-shapes/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/price-changes-as-budget-rotations/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/substitution-and-income-effects/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/slutsky-compensation-and-the-slutsky-equation/</loc>
		<lastmod>2026-11-12T17:22:44+00:00</lastmod>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/hicksian-and-slutsky-substitution-effects/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/why-the-compensated-substitution-effect-is-negative/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/income-effects-for-normal-and-inferior-goods/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/the-giffen-condition/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/cross-price-effects-from-consumer-choice/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/solving-individual-demand-from-utility-and-budget-data/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/market-demand-with-heterogeneous-consumers/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/income-and-price-shocks-in-market-demand/</loc>
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		<loc>https://www.clinicalbiostats.com/tutorials/actuarial-vee-economics/common-errors-in-deriving-consumer-demand/</loc>
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