<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://twentythirdfloor.co.za/blog_files/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.22' -->
<!-- generated-on='6 February 2026 7:01 pm' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://twentythirdfloor.co.za/2006/09/11/hello-world/</loc>
		<lastmod>2006-10-04T15:13:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/09/12/almost-famous/</loc>
		<lastmod>2006-10-04T15:12:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/09/13/life-insurers-getting-waccd-by-debt-issues/</loc>
		<lastmod>2007-06-03T08:12:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/10/04/over-the-hedge-and-underground/</loc>
		<lastmod>2006-10-15T14:16:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/10/06/popular-economics/</loc>
		<lastmod>2007-06-02T07:10:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/10/07/measuring-marketing-for-law-firms/</loc>
		<lastmod>2006-10-15T14:10:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/10/15/models-theres-wrong-and-then-there-is-wrong/</loc>
		<lastmod>2006-10-15T14:09:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/10/21/additional-analysis-of-seomoz-web-popularity-data/</loc>
		<lastmod>2007-06-22T08:10:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/11/27/urban-legends-and-cocktail-conversation/</loc>
		<lastmod>2007-02-05T14:12:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/11/29/this-economy-of-ours/</loc>
		<lastmod>2006-11-29T12:15:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2006/12/07/a-bit-of-the-science-behind-google-and-pagerank/</loc>
		<lastmod>2006-12-07T11:09:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/01/11/the-place-of-analysis-for-entrepreneurs/</loc>
		<lastmod>2007-02-05T14:12:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/02/04/follow-up-on-gold-hedging-western-areas-south-deep-and-goldfields/</loc>
		<lastmod>2007-06-03T08:16:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/02/05/south-african-airlines-and-hedging/</loc>
		<lastmod>2007-06-03T08:18:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/02/08/pricing-and-promoting-businesses/</loc>
		<lastmod>2007-06-02T07:21:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/02/09/mbeki-points-to-rand-volatility-for-hurting-exports/</loc>
		<lastmod>2007-06-03T08:20:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/21/useful-commentary-on-a-useful-tool-mysql/</loc>
		<lastmod>2007-05-27T21:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/21/aftermath-of-20-may-2007-bomb-in-beirut/</loc>
		<lastmod>2007-06-03T23:34:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/27/markets-unintended-consquences-and-the-spam-in-the-feudal-system/</loc>
		<lastmod>2007-05-27T21:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/28/do-you-speak-word/</loc>
		<lastmod>2007-05-28T22:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/29/taxes-more-than-just-a-cost/</loc>
		<lastmod>2007-06-02T08:35:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/30/measures-targets-and-alchemy/</loc>
		<lastmod>2007-05-30T10:08:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/05/30/sa-inflation-breaches-inflation-target-in-march-07/</loc>
		<lastmod>2007-06-03T23:24:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/06/04/some-of-the-magic-behind-optimising-googles-search-algorithms/</loc>
		<lastmod>2007-06-03T23:37:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/06/23/why-premium-size-matters-more-than-you-think/</loc>
		<lastmod>2007-07-29T22:09:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/06/27/unreal-currency-risks-in-zimbabwe/</loc>
		<lastmod>2007-06-27T00:09:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/07/05/too-good-be-true/</loc>
		<lastmod>2007-12-03T09:27:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/07/08/practical-optimisation/</loc>
		<lastmod>2012-08-28T13:16:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/07/27/still-infamous-rudco-to-be-probed/</loc>
		<lastmod>2007-07-27T15:43:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/07/30/fooled-by-the-black-swan/</loc>
		<lastmod>2007-07-30T15:30:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/07/30/lucky-versus-skill/</loc>
		<lastmod>2007-07-30T17:18:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/08/14/deja-vu-and-the-myopia-of-our-spirit/</loc>
		<lastmod>2014-10-12T09:07:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/08/27/telkom-sbc-and-a-few-things-suddenly-making-sense/</loc>
		<lastmod>2007-08-27T07:34:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/09/11/retirement-age-inequality/</loc>
		<lastmod>2007-09-10T22:21:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/10/26/update-on-rudco/</loc>
		<lastmod>2007-10-25T23:32:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/10/26/standard-bank-halting-trade-and-satrix-fini/</loc>
		<lastmod>2007-10-25T23:11:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/11/24/solvency-ii-makes-another-milestone-qis3-out/</loc>
		<lastmod>2007-11-24T12:29:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/11/28/complexity/</loc>
		<lastmod>2007-11-28T19:32:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/12/03/the-wheels-of-justice-turn-just-too-slowly-for-rudco/</loc>
		<lastmod>2007-12-04T21:28:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/12/04/us-cpas-to-start-speaking-french/</loc>
		<lastmod>2007-12-04T21:24:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/12/05/directors-dealings-information-noise-and-the-role-of-randomness/</loc>
		<lastmod>2007-12-05T13:33:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2007/12/07/anyone-left-to-argue-rudco-liquidated-clients-lose-money/</loc>
		<lastmod>2007-12-07T21:47:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/01/12/its-not-just-us-the-cost-of-electric-power/</loc>
		<lastmod>2008-01-12T19:11:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/01/17/national-consequences-of-not-understanding-uncertainty/</loc>
		<lastmod>2008-01-17T08:34:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/01/27/nick-jerome/</loc>
		<lastmod>2008-01-28T20:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/02/20/zim-hyperinflation-not-so-special/</loc>
		<lastmod>2008-02-20T21:07:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/02/27/sharing-the-light/</loc>
		<lastmod>2008-02-27T10:31:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/03/03/reality-check-cpix-at-88-in-january/</loc>
		<lastmod>2008-03-03T07:05:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/03/05/spreadsheet-addiction/</loc>
		<lastmod>2008-04-10T19:40:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/04/08/optimism-and-flawed-decision-making/</loc>
		<lastmod>2008-04-08T15:41:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/04/10/repo-rate-raised-50bps-to-115/</loc>
		<lastmod>2009-02-25T23:50:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/04/30/confidence-and-capital-nationwide-has-neither/</loc>
		<lastmod>2008-04-30T15:44:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/05/22/eskom-to-be-downgraded/</loc>
		<lastmod>2008-05-22T11:37:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/05/22/load-shedding-may-continue-eskoms-woes-continue/</loc>
		<lastmod>2008-05-22T11:45:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/05/26/mars-phoenix-lander-beating-the-odds/</loc>
		<lastmod>2008-05-26T00:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/05/27/the-economy-worse-than-you-think/</loc>
		<lastmod>2008-05-27T13:00:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/05/28/we-cant-forefast/</loc>
		<lastmod>2008-05-28T16:22:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/06/03/so-this-is-what-a-downturn-looks-like/</loc>
		<lastmod>2008-06-03T14:12:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/06/07/packing-for-prague/</loc>
		<lastmod>2008-06-07T18:15:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/06/08/eating-up-the-prices/</loc>
		<lastmod>2008-06-08T10:54:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/07/what-is-your-total-property-return/</loc>
		<lastmod>2008-07-07T18:16:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/13/500-billion-cups-of-coffee/</loc>
		<lastmod>2008-07-13T18:36:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/21/airlines-and-hedging-now-there-is-praise/</loc>
		<lastmod>2008-08-29T22:12:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/23/will-an-individual-investment-product-development-role-help-towards-actuarial-consulting-career/</loc>
		<lastmod>2008-07-23T00:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/24/actuarial-consulting-career-part-2-system-development/</loc>
		<lastmod>2008-07-23T00:11:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/27/when-youre-underwater-whats-the-incentive/</loc>
		<lastmod>2008-08-29T22:12:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/27/5-mistakes-when-you-leave-the-science-out-of-marketing/</loc>
		<lastmod>2008-08-29T22:11:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/28/should-zim-abandon-the-zim-dollar/</loc>
		<lastmod>2008-08-29T22:11:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/07/30/zim-currency-to-lose-the-billions-for-now/</loc>
		<lastmod>2008-08-29T22:10:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/02/economics-of-piracy-at-the-limit/</loc>
		<lastmod>2008-08-29T22:10:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/04/while-i-was-snoozing/</loc>
		<lastmod>2008-08-29T22:09:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/05/didnt-expect-this-then-you-were-foolish/</loc>
		<lastmod>2008-08-29T22:09:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/05/etfs-and-gearing-and-the-property-market/</loc>
		<lastmod>2008-08-29T22:08:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/05/the-first-of-many-bee-deals-drowning/</loc>
		<lastmod>2008-08-29T22:07:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/07/pass-me-that-nail-would-you/</loc>
		<lastmod>2008-08-29T22:07:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/25/fraud-and-statistics/</loc>
		<lastmod>2008-08-29T22:06:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/25/dont-use-altmans-z-score-for-managing-a-turnaround/</loc>
		<lastmod>2008-08-29T22:05:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/08/30/economic-indicators-in-pictures/</loc>
		<lastmod>2008-08-30T00:00:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/08/fixing-the-too-big-to-fail-problem/</loc>
		<lastmod>2008-09-08T12:05:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/13/rating-agencies-behind-the-curve/</loc>
		<lastmod>2008-09-15T20:35:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/15/mark-up-a-new-one-for-the-back-testing-books/</loc>
		<lastmod>2008-09-15T20:17:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/16/country-foods-mushrooms-and-still-not-the-z/</loc>
		<lastmod>2008-09-15T20:43:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/18/fsa-bans-short-selling/</loc>
		<lastmod>2008-09-18T17:54:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/19/sec-follows-and-bans-shorts-for-799-financial-stocks/</loc>
		<lastmod>2008-09-19T11:01:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/09/20/mbeki-to-resign-no-plan-watch-the-jse-monday/</loc>
		<lastmod>2008-09-20T14:45:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/10/15/lack-of-faith-in-absa-house-price-index/</loc>
		<lastmod>2008-10-15T17:51:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/10/15/make-a-million-competition-encourages-financial-meltdown/</loc>
		<lastmod>2010-10-24T00:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/10/23/presentation-to-acal-on-gi-pricing/</loc>
		<lastmod>2009-03-01T14:44:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/10/27/visagie-still-around/</loc>
		<lastmod>2008-10-27T14:09:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2008/11/14/peter-schiff-saying-some-smart-things/</loc>
		<lastmod>2008-11-14T20:58:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/01/11/how-not-to-do-seo/</loc>
		<lastmod>2009-01-11T09:38:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/01/15/ethics-cheating-and-making-a-million/</loc>
		<lastmod>2009-01-15T14:01:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/01/15/comedy-and-tragedy/</loc>
		<lastmod>2009-01-15T15:28:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/01/24/uk-leads-the-way-down/</loc>
		<lastmod>2009-01-23T22:17:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/01/29/insured-against-ranting-and-rambling/</loc>
		<lastmod>2009-01-29T21:33:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/12/now-thats-a-property-crash/</loc>
		<lastmod>2009-03-01T14:45:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/16/or-is-this-a-property-crash/</loc>
		<lastmod>2009-02-16T21:26:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/19/profit-margins-on-ice/</loc>
		<lastmod>2009-03-01T15:37:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/24/spare-a-thought-reverse-mortgages/</loc>
		<lastmod>2009-03-01T15:26:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/26/short-memory-or-what/</loc>
		<lastmod>2009-03-01T14:40:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/26/rudie-still-trucking-and-ducking/</loc>
		<lastmod>2009-03-01T15:35:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/02/27/hijacking-risk-measures/</loc>
		<lastmod>2009-03-01T15:21:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/01/chavez-economic-terrorist/</loc>
		<lastmod>2009-03-01T15:28:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/06/how-to-spot-competition/</loc>
		<lastmod>2009-03-08T09:07:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/06/how-responsible-is-socially-responsible/</loc>
		<lastmod>2009-03-07T16:53:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/07/new-look-same-beer/</loc>
		<lastmod>2009-03-07T17:26:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/18/there-goes-the-long-end/</loc>
		<lastmod>2009-03-18T21:20:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/19/wheres-the-safe/</loc>
		<lastmod>2009-03-18T21:46:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/19/massive-currency-risk/</loc>
		<lastmod>2009-03-18T21:47:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/03/21/we-need-higher-fuel-prices/</loc>
		<lastmod>2009-03-18T22:11:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/04/02/good-economic-news-for-lebanon/</loc>
		<lastmod>2009-04-02T10:25:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/04/06/art-aint-all-alternative-and-alpha/</loc>
		<lastmod>2009-04-07T06:36:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/04/15/deflation-hits-the-us/</loc>
		<lastmod>2009-04-15T14:36:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/08/02/69th-bank-failure-in-the-us-for-2009/</loc>
		<lastmod>2009-08-02T11:56:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/08/13/is-south-africa-sheltered-or-delayed/</loc>
		<lastmod>2009-09-02T13:47:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/08/16/a-twisted-tale-of-two-countries/</loc>
		<lastmod>2009-09-02T13:47:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/02/poor-misunderstood-taxes/</loc>
		<lastmod>2009-09-02T23:41:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/04/medical-scheme-mysteries-your-benefit-is-my-loss/</loc>
		<lastmod>2010-01-07T18:25:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/06/more-medical-trouble/</loc>
		<lastmod>2009-09-06T22:30:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/07/thins-i-used-to-do-without-and-can-no-longer/</loc>
		<lastmod>2010-01-07T18:21:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/09/wise-quotes-random-misapplication/</loc>
		<lastmod>2009-09-07T20:00:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/10/dealing-with-user-cancellation-of-slow-macro/</loc>
		<lastmod>2010-02-15T21:32:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/09/11/the-taxi-and-the-tea-party/</loc>
		<lastmod>2014-10-12T09:05:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/10/16/mumbling-in-the-dark/</loc>
		<lastmod>2010-02-25T08:19:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2009/10/16/allocating-capital-to-insurance-products/</loc>
		<lastmod>2009-10-16T17:19:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/02/01/new-operational-risk-guidance-from-solvency-ii/</loc>
		<lastmod>2010-02-15T21:31:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/02/15/income-outgo-and-the-nhi/</loc>
		<lastmod>2010-02-15T16:43:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/02/16/why-hotels-should-charge-high-prices-during-soccer-world-cup/</loc>
		<lastmod>2010-02-16T11:55:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/02/24/the-me-now-peoples-of-the-world/</loc>
		<lastmod>2010-02-24T09:32:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/03/11/i-park-on-the-fourth-floor/</loc>
		<lastmod>2010-04-07T21:14:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/03/11/interconnecting-confusion/</loc>
		<lastmod>2010-03-11T17:18:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/03/13/nasty-or-nice-playing-the-tail/</loc>
		<lastmod>2010-03-13T21:56:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/03/14/fourth-floor-tails/</loc>
		<lastmod>2010-03-30T07:51:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/03/24/tragedy-of-the-modern-commons-and-90-9-1/</loc>
		<lastmod>2010-08-24T21:06:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/07/book-review-how-the-mighty-fall/</loc>
		<lastmod>2014-10-12T08:47:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/08/airline-safety-rules-damage-profitability/</loc>
		<lastmod>2010-04-08T20:14:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/14/return-to-mumbling/</loc>
		<lastmod>2010-04-21T12:34:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/21/return-to-mumbling-redux/</loc>
		<lastmod>2013-05-13T22:59:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/22/in-the-footsteps-of-the-footsteps-of-mr-kurtz/</loc>
		<lastmod>2014-10-12T08:46:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/04/25/book-review-islamic-banking-a-300-billion-deception/</loc>
		<lastmod>2014-10-12T08:45:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/05/02/book-review-halo-effect/</loc>
		<lastmod>2014-10-12T08:43:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/05/07/back-test-that/</loc>
		<lastmod>2010-05-06T22:39:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/05/19/book-review-socrates-and-the-fox/</loc>
		<lastmod>2012-01-10T13:51:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/05/20/uncapped-wordsmiths/</loc>
		<lastmod>2010-05-20T06:38:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/06/03/eskom-industrial-versus-retail-tariffs/</loc>
		<lastmod>2010-06-03T07:17:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/06/24/basel-iii-likely-to-be-tempered/</loc>
		<lastmod>2010-06-24T21:58:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/07/04/book-review-the-big-short/</loc>
		<lastmod>2014-10-12T09:59:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/21/two-pairs-of-other-peoples-shoes/</loc>
		<lastmod>2010-08-21T07:25:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/21/the-faces-of-cosatu/</loc>
		<lastmod>2010-08-21T16:31:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/23/what-other-people-want/</loc>
		<lastmod>2010-08-24T19:08:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/24/regulations-creating-operational-risk-and-how-it-relates-to-popi/</loc>
		<lastmod>2010-08-24T21:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/25/more-on-cars-and-colour/</loc>
		<lastmod>2010-08-21T10:18:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/25/cpi-at-3-7-for-july-2010/</loc>
		<lastmod>2010-08-25T21:19:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/28/5-things-to-learn-from-monopoly/</loc>
		<lastmod>2010-08-21T16:16:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/08/30/most-decisions-are-made-without-all-the-information/</loc>
		<lastmod>2010-08-23T22:51:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/01/property-investment-the-value-of-data-over-opinions/</loc>
		<lastmod>2010-09-01T06:10:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/04/not-growing-up/</loc>
		<lastmod>2010-09-04T18:26:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/05/paid-how-much/</loc>
		<lastmod>2010-09-05T18:28:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/06/risk-liquidity-and-the-triumph-of-economics-over-alchemy/</loc>
		<lastmod>2010-09-06T06:31:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/06/too-small-to-succeed/</loc>
		<lastmod>2010-09-06T06:43:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/07/unreal-desires-for-deflation/</loc>
		<lastmod>2010-09-07T06:35:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/08/back-to-school-with-you/</loc>
		<lastmod>2010-09-07T22:42:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/09/repo-down-by-50bps/</loc>
		<lastmod>2010-09-09T14:21:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/18/unemployment-mystified/</loc>
		<lastmod>2011-07-05T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/25/junk-bonds-in-place-of-an-ipo/</loc>
		<lastmod>2010-09-27T19:13:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/26/is-this-the-dark-side-of-ultra-low-interest-rates/</loc>
		<lastmod>2010-09-25T11:29:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/27/lower-interconnect-not-the-promised-panacea/</loc>
		<lastmod>2010-09-25T11:36:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/27/mis-estimating-the-equity-risk-premium/</loc>
		<lastmod>2010-10-05T22:19:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/27/why-youre-mis-estimating-the-equity-risk-premium-1/</loc>
		<lastmod>2010-09-27T16:41:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/27/our-currency-isnt-alone-get-real/</loc>
		<lastmod>2010-09-27T19:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/28/just-because-you-dont-like-the-definition/</loc>
		<lastmod>2010-09-25T11:52:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/28/why-youre-mis-estimating-the-equity-risk-premium-2/</loc>
		<lastmod>2010-09-27T16:41:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/28/clear-simple-and-wrong/</loc>
		<lastmod>2011-07-05T13:00:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/09/30/why-youre-mis-estimating-the-equity-risk-premium-3/</loc>
		<lastmod>2010-09-27T16:55:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/01/minimum-wages-unions-and-employment/</loc>
		<lastmod>2010-10-01T07:31:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/02/why-youre-mis-estimating-the-equity-risk-premium-4/</loc>
		<lastmod>2010-09-27T16:55:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/04/why-youre-mis-estimating-the-equity-risk-premium-5/</loc>
		<lastmod>2010-09-27T16:39:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/05/burning-issues/</loc>
		<lastmod>2010-10-18T21:45:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/06/outsiders-views-on-sa-through-the-lens-of-walmart-massmart/</loc>
		<lastmod>2010-10-05T22:09:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/07/why-youre-mis-estimating-the-equity-risk-premium-6/</loc>
		<lastmod>2010-10-05T22:10:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/13/the-power-of-misconceptions/</loc>
		<lastmod>2010-10-12T22:07:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/14/interactive-house-price-data-including-south-africa/</loc>
		<lastmod>2010-10-13T22:16:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/14/implied-pension-return-assumptions-and-the-equity-risk-premium/</loc>
		<lastmod>2010-10-13T23:36:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/14/i-promise-to-pay-the-bearer/</loc>
		<lastmod>2010-10-13T23:55:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/14/pretty-as-a-picture/</loc>
		<lastmod>2010-10-14T00:22:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/20/rare-monopolies/</loc>
		<lastmod>2010-10-20T06:13:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/23/how-not-to-lose-money-in-make-a-million/</loc>
		<lastmod>2011-06-09T21:01:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/25/what-gold-gets-you/</loc>
		<lastmod>2010-10-25T18:39:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/10/26/nationalisation-two-questions-not-one/</loc>
		<lastmod>2010-10-26T07:38:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/01/prediction-models-versus-market/</loc>
		<lastmod>2011-08-05T06:10:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/08/who-do-you-trust-more-than-your-bank/</loc>
		<lastmod>2010-11-08T21:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/08/what-education-do-school-busses-provide/</loc>
		<lastmod>2010-11-08T21:07:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/09/multi-tasking-lowers-productivity/</loc>
		<lastmod>2010-11-08T21:15:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/10/no-country-that-matters-is-moving-to-the-gold-standard/</loc>
		<lastmod>2010-11-08T21:40:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/11/homeopathic-air-conditioners/</loc>
		<lastmod>2011-09-01T23:25:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/22/losing-a-million-or-r18000-at-least/</loc>
		<lastmod>2010-11-23T20:23:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/23/you-cant-eat-that/</loc>
		<lastmod>2011-06-06T15:31:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/24/bust-a-cap-in-your-economic-policy/</loc>
		<lastmod>2011-07-05T13:00:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/29/how-our-unemployment-is-not-like-that-in-the-us/</loc>
		<lastmod>2011-07-05T13:00:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/30/pension-funds-dont-have-enough-junk/</loc>
		<lastmod>2010-11-30T21:12:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/30/indias-economy-is-growing-at-8-9/</loc>
		<lastmod>2010-11-30T21:18:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/11/30/i-hope-this-is-a-system-error/</loc>
		<lastmod>2010-11-30T21:55:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/01/causes-of-unemployment-in-south-africa/</loc>
		<lastmod>2011-07-05T13:00:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/01/unemployment-and-education/</loc>
		<lastmod>2011-07-05T12:59:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/01/there-isnt-one-labour-market/</loc>
		<lastmod>2011-07-05T12:59:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/03/e-reader-reader-demographics-changing/</loc>
		<lastmod>2010-12-01T07:15:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/03/more-on-readers-and-the-future/</loc>
		<lastmod>2010-12-01T07:14:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/04/know-your-marital-status/</loc>
		<lastmod>2010-12-04T00:33:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/04/more-on-marriage-data/</loc>
		<lastmod>2010-12-04T18:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/06/book-review-purple-cow/</loc>
		<lastmod>2014-10-12T08:41:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/08/unintended-unlucky-consequences/</loc>
		<lastmod>2010-12-08T17:40:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/09/jobs-skills-and-lawlessness/</loc>
		<lastmod>2010-12-08T18:12:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/10/no-flying-kick-on-french-banks/</loc>
		<lastmod>2010-12-10T07:03:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/10/relieve-yourself/</loc>
		<lastmod>2010-12-08T20:27:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/10/rent-and-prices-shall-be-lowered/</loc>
		<lastmod>2010-12-10T08:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2010/12/13/bric-is-not-going-to-be-come-brics/</loc>
		<lastmod>2010-12-13T19:51:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/01/29/productivity-gdp-per-capita-and-life-choices/</loc>
		<lastmod>2011-01-29T13:50:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/01/29/are-our-inflation-figures-fudged/</loc>
		<lastmod>2011-01-29T14:09:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/02/01/fixed-interest-is-a-viable-asset-class/</loc>
		<lastmod>2011-02-01T21:05:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/02/03/egypt-indonesia-or-south-african-parallel/</loc>
		<lastmod>2011-07-05T12:59:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/02/08/your-erp-estimate-is-still-too-high/</loc>
		<lastmod>2011-06-06T15:30:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/02/18/omg-inflation/</loc>
		<lastmod>2011-02-17T22:12:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/03/23/ebooks-are-bad-for-authors/</loc>
		<lastmod>2011-03-23T17:58:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/01/how-government-really-sees-the-important-new-companies-act/</loc>
		<lastmod>2011-04-01T06:40:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/12/the-alpha-and-inflation-of-commodities/</loc>
		<lastmod>2011-04-12T19:19:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/12/how-easy-has-money-been/</loc>
		<lastmod>2011-04-12T19:25:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/14/economic-and-political-brics-and-choirs/</loc>
		<lastmod>2011-04-14T11:30:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/17/brics-seeking-to-drop-the-dollar/</loc>
		<lastmod>2011-04-17T10:11:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/21/final-new-companies-act-regulations-released/</loc>
		<lastmod>2011-04-21T11:55:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/04/22/south-africa-7th-most-free-internet/</loc>
		<lastmod>2011-04-22T07:01:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/05/05/inflation-targeting/</loc>
		<lastmod>2011-07-05T12:59:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/05/13/at-least-its-a-better-idea-than-gold-backed-currency/</loc>
		<lastmod>2011-05-13T17:35:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/05/28/a-new-measure-of-insurance-new-business-margin/</loc>
		<lastmod>2011-07-15T23:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/03/doesnt-have-two-bitcoins-to-rub-together/</loc>
		<lastmod>2011-08-05T06:12:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/06/a-good-explanation-of-the-perceived-problems-of-annuities/</loc>
		<lastmod>2011-06-06T20:59:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/08/teamwork-from-hbr/</loc>
		<lastmod>2011-06-07T23:06:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/11/structural-unemployment-and-education/</loc>
		<lastmod>2011-07-05T12:59:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/11/this-is-not-only-why-bitcoins-are-a-bad-idea/</loc>
		<lastmod>2011-06-11T16:40:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/12/trevor-manuel-not-going-for-top-imf-post/</loc>
		<lastmod>2011-06-11T13:05:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/12/temporarily-holding-off-on-manuel-criticism/</loc>
		<lastmod>2011-06-12T21:46:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/13/amazons-cloud-infrastructure/</loc>
		<lastmod>2011-06-13T20:55:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/14/when-leaving-is-really-hard/</loc>
		<lastmod>2011-06-13T22:37:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/15/youth-unemployment-a-timebomb/</loc>
		<lastmod>2011-07-05T12:59:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/20/so-many-more-reasons-bitcoins-will-fail/</loc>
		<lastmod>2011-06-20T14:45:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/21/the-beginning-of-the-bitcoin-end/</loc>
		<lastmod>2011-06-21T20:08:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/22/schiller-downbeat-on-us-economy/</loc>
		<lastmod>2011-06-21T20:14:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/22/sa-bond-market-antiquated-or-efficient/</loc>
		<lastmod>2011-06-30T07:25:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/25/skype-employee-share-options-that-werent/</loc>
		<lastmod>2011-06-30T07:26:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/25/would-you-lend-money-to-the-swazi-king/</loc>
		<lastmod>2011-06-25T09:21:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/26/bis-think-were-near-international-full-employment/</loc>
		<lastmod>2011-07-05T12:59:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/27/catching-krugman/</loc>
		<lastmod>2011-07-15T23:16:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/06/27/blog-templates-updated/</loc>
		<lastmod>2011-07-15T23:16:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/05/transport-subsidy-an-idea-worth-exploring/</loc>
		<lastmod>2011-07-15T23:16:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/06/the-cost-of-regulation/</loc>
		<lastmod>2011-07-06T15:14:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/08/bitcoin-mirth/</loc>
		<lastmod>2011-07-20T19:24:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/09/can-i-vote-for-bill-clinton/</loc>
		<lastmod>2011-07-15T23:16:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/12/in-bahrain-for-a-few-days/</loc>
		<lastmod>2011-07-15T23:14:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/12/have-all-the-world-cup-expenses-been-counted/</loc>
		<lastmod>2011-07-12T20:08:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/12/driving-blind-fuel-levy-v-tolls/</loc>
		<lastmod>2011-07-17T08:57:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/13/the-potential-solution-becomes-part-of-the-problem/</loc>
		<lastmod>2011-07-15T23:13:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/15/fascinating-taking-on-the-advantages-of-reducing-parking-spaces/</loc>
		<lastmod>2011-07-15T23:12:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/15/new-thoughts-on-renewal-rates-for-embedded-values/</loc>
		<lastmod>2011-07-18T16:29:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/17/weird-and-worrying-rate-increase-proposal/</loc>
		<lastmod>2011-07-17T08:56:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/17/blog-theme-and-structure-updated-again/</loc>
		<lastmod>2011-09-01T23:25:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/18/economics-made-funny/</loc>
		<lastmod>2011-07-18T16:29:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/19/book-review-this-time-is-different/</loc>
		<lastmod>2014-10-12T08:40:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/19/book-review-three-cups-of-deceit/</loc>
		<lastmod>2014-10-12T08:39:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/20/maybe-wind-powered-electricity-generation-still-has-some-legs/</loc>
		<lastmod>2011-07-19T21:06:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/20/germanys-apprenticeship-system/</loc>
		<lastmod>2011-07-20T20:42:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/21/gaining-new-insight-into-insurer-profitability-through-new-business-margin-on-revenue/</loc>
		<lastmod>2011-08-03T05:58:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/22/just-so-were-clear-on-the-problem/</loc>
		<lastmod>2011-07-19T22:31:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/07/27/costs-prices-and-efficiency-in-the-dark/</loc>
		<lastmod>2011-07-27T06:56:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/03/forget-the-us-europes-in-a-mess/</loc>
		<lastmod>2011-08-03T05:58:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/04/the-simple-unarguable-truth-about-the-swazi-loan/</loc>
		<lastmod>2011-08-04T19:47:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/05/more-on-the-swazi-loan-from-the-reserve-bank-fallacy/</loc>
		<lastmod>2011-08-04T19:56:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/05/swaziland-vs-greece/</loc>
		<lastmod>2011-08-04T20:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/05/policy-options-for-swaziland/</loc>
		<lastmod>2011-08-04T20:37:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/05/negative-nominal-interest-rates/</loc>
		<lastmod>2011-08-05T16:15:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/05/ignoring-the-facts/</loc>
		<lastmod>2011-08-05T20:35:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/06/prediction-a-us-debt-downgrade-impact/</loc>
		<lastmod>2011-08-06T08:45:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/06/in-case-you-somehow-missed-it-us-downgraded-to-aa/</loc>
		<lastmod>2011-09-01T23:24:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/07/medical-schemes-discrimination-and-the-cpa/</loc>
		<lastmod>2011-08-05T06:25:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/07/sps-arbitrary-arithmetic/</loc>
		<lastmod>2011-08-07T19:54:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/08/why-recession-still-shouldnt-be-the-only-worry-word/</loc>
		<lastmod>2011-08-08T11:56:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/08/so-far-so-low/</loc>
		<lastmod>2011-08-08T16:57:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/09/clueless/</loc>
		<lastmod>2011-08-09T16:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/09/why-sp-downgraded/</loc>
		<lastmod>2011-08-09T22:03:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/10/sp-vs-moodys/</loc>
		<lastmod>2011-08-10T21:46:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/10/apple-most-valuable-company/</loc>
		<lastmod>2011-08-10T21:52:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/11/nhi-cost-first-question/</loc>
		<lastmod>2011-08-11T10:38:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/11/gordhan-doesnt-know-what-tax-is/</loc>
		<lastmod>2011-08-11T11:06:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/12/congestion-charging-in-the-netherlands/</loc>
		<lastmod>2011-08-11T22:06:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/12/european-countries-considering-banning-short-selling/</loc>
		<lastmod>2011-08-11T22:15:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/12/the-value-of-spurious-precision/</loc>
		<lastmod>2011-08-12T12:33:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/12/friday-the-12th/</loc>
		<lastmod>2011-08-12T14:57:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/12/health-costs-we-should-all-be-happ-to-be-paying-at-long-last/</loc>
		<lastmod>2011-08-12T15:18:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/14/confusion-about-mortgage-interest-deductions-and-ultimate-lenders/</loc>
		<lastmod>2011-08-14T10:13:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/14/how-to-measure-the-biggest-company/</loc>
		<lastmod>2011-08-14T21:39:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/15/compounding-wisdom-from-a-surprising-source/</loc>
		<lastmod>2011-08-15T18:53:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/16/2000-visitors/</loc>
		<lastmod>2011-08-15T22:35:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/21/communicating-harsh-truths/</loc>
		<lastmod>2011-08-21T11:05:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/23/ignoring-the-facts-take-2/</loc>
		<lastmod>2011-08-23T12:36:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/23/analogy-breakdown/</loc>
		<lastmod>2011-08-23T21:22:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/24/somehow-somewhere/</loc>
		<lastmod>2011-08-23T21:36:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/08/24/the-cost-of-transporting-gold/</loc>
		<lastmod>2011-08-24T17:58:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/02/balanced-budgets-and-present-values/</loc>
		<lastmod>2011-09-01T22:47:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/02/surveys-papers-and-books-on-the-erp/</loc>
		<lastmod>2011-09-01T23:18:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/05/west-african-insurance-trip/</loc>
		<lastmod>2011-09-05T06:44:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/07/bits-of-krugman/</loc>
		<lastmod>2011-09-07T07:23:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/08/jpbibnr-just-plain-bad-incurred-but-not-reported/</loc>
		<lastmod>2011-09-08T17:44:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/08/brand-new-experiments-that-are-incredibly-old/</loc>
		<lastmod>2011-09-08T19:40:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/10/declining-electricity-consumption-and-inertia/</loc>
		<lastmod>2011-09-10T19:35:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/11/euro-in-peril-1/</loc>
		<lastmod>2011-09-11T13:25:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/12/greek-probability-of-default-to-98/</loc>
		<lastmod>2011-09-12T21:27:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/09/26/golden-stories/</loc>
		<lastmod>2011-09-26T18:40:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/10/search-email-dont-file-says-ibm/</loc>
		<lastmod>2011-10-10T07:40:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/11/fractional-doom/</loc>
		<lastmod>2011-10-11T20:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/12/swazi-king-not-sure-he-wants-the-conditions-attached-to-the-loan/</loc>
		<lastmod>2011-10-11T20:12:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/13/hedge-fund-managers-dont-know-macro/</loc>
		<lastmod>2011-10-11T20:21:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/19/narratives-vs-facts/</loc>
		<lastmod>2011-10-19T05:57:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/19/regulations-and-technology-vs-ideals/</loc>
		<lastmod>2011-10-19T06:01:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/27/greek-default/</loc>
		<lastmod>2011-10-27T08:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/30/how-not-to-calibrate-a-model/</loc>
		<lastmod>2011-11-03T17:26:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/10/30/sa-population-pyramids-and-brain-drain/</loc>
		<lastmod>2011-11-03T17:26:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/11/16/nearer-the-edge-than-ever-before/</loc>
		<lastmod>2011-11-16T17:18:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/11/20/credibility-inflation-and-quaint-relics-of-a-previous-society/</loc>
		<lastmod>2011-11-20T08:47:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/11/25/italys-yields-head-towards-8/</loc>
		<lastmod>2011-11-25T21:59:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/11/27/the-ecb-game/</loc>
		<lastmod>2011-11-27T20:14:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/11/29/what-is-best-practice-for-matching-annuities-in-greece-in-2012/</loc>
		<lastmod>2011-11-29T05:49:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/01/inevitability-vs-bad-luck-and-currency-unions/</loc>
		<lastmod>2011-12-01T20:56:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/01/prediction-update-us-yields-still-falling/</loc>
		<lastmod>2011-12-01T21:35:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/02/history-of-words-and-future-of-money/</loc>
		<lastmod>2011-12-01T21:08:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/03/the-gmu-wont-be-in-place-by-2015/</loc>
		<lastmod>2011-12-01T21:11:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/04/i-could-be-rich-bitcoin-edition/</loc>
		<lastmod>2011-12-01T21:27:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/07/renminbi-or-yuan/</loc>
		<lastmod>2011-12-07T12:35:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/07/lose-a-million/</loc>
		<lastmod>2011-12-07T21:49:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/09/europe-hasnt-done-enough-quickly-enough/</loc>
		<lastmod>2011-12-09T06:19:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/09/im-wrong-but-only-for-now/</loc>
		<lastmod>2011-12-09T21:21:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/10/it-turns-out-training-changes-even-adult-brains/</loc>
		<lastmod>2011-12-10T06:43:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/11/news-story-on-possible-nationalisation-options/</loc>
		<lastmod>2011-12-11T09:57:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/15/competing-european-interests/</loc>
		<lastmod>2011-12-15T13:16:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/15/two-views-on-euro-problems/</loc>
		<lastmod>2011-12-15T21:13:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2011/12/27/uk-vs-france-fight/</loc>
		<lastmod>2012-01-11T11:31:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/11/telecoms-firms-entering-profitable-segment-of-insurance-market/</loc>
		<lastmod>2012-01-11T11:31:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/12/sam-and-basel-iii-deadlines/</loc>
		<lastmod>2012-01-11T11:30:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/13/fitch-downgrades-outlook-for-south-africa/</loc>
		<lastmod>2012-01-13T15:24:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/25/dangerous-information/</loc>
		<lastmod>2012-01-25T10:25:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/25/more-teachers-cant-be-a-bad-thing-now-just-to-fix-the-quality-and-motivation/</loc>
		<lastmod>2012-01-25T20:09:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/25/us-fed-trying-to-counter-deflation/</loc>
		<lastmod>2012-01-25T20:09:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/25/more-utterly-misguided-criticism-of-medical-schemes/</loc>
		<lastmod>2012-01-25T20:23:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/01/30/harsh-but-true-words-on-greece-the-euro/</loc>
		<lastmod>2012-01-30T20:35:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/02/no-nationalisation-more-certainty-and-probably-higher-taxes/</loc>
		<lastmod>2012-02-02T10:56:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/05/greeks-going-south/</loc>
		<lastmod>2012-02-08T07:47:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/05/symmetry-and-savvy/</loc>
		<lastmod>2012-02-05T21:04:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/07/inflation/</loc>
		<lastmod>2012-02-06T21:13:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/08/what-a-difference-several-years-make/</loc>
		<lastmod>2012-02-08T07:47:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/09/interview-with-nicolaas-kruger/</loc>
		<lastmod>2012-02-09T06:59:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/13/world-cup-attention-getter/</loc>
		<lastmod>2012-02-13T21:24:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/16/i-cant-resist-making-a-bit-of-noise-about-this/</loc>
		<lastmod>2012-02-15T23:09:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/23/for-every-complex-problem/</loc>
		<lastmod>2012-02-23T17:46:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/29/prediction-update-us-yields-stayed-low/</loc>
		<lastmod>2012-02-28T22:05:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/02/29/nbmr-still-relevant/</loc>
		<lastmod>2012-02-28T22:23:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/03/02/bit-coin-insecurity-enough-said/</loc>
		<lastmod>2012-03-02T05:18:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/12/digital-currencies-and-more/</loc>
		<lastmod>2012-04-12T07:35:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/17/we-cant-all-be-germany/</loc>
		<lastmod>2012-04-17T19:11:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/21/coffee-as-the-thin-edge/</loc>
		<lastmod>2012-04-21T10:42:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/24/beginnings-of-the-european-realisation-that-austerity-is-mis-timed/</loc>
		<lastmod>2012-04-24T05:56:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/25/uk-back-in-recession/</loc>
		<lastmod>2012-04-25T09:44:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/04/26/price-controls-causing-exactly-what-youd-expect-in-venezuela/</loc>
		<lastmod>2012-04-26T16:15:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/01/paul-vs-paul-on-the-us-economy/</loc>
		<lastmod>2012-05-01T21:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/02/book-review-the-end-of-influence/</loc>
		<lastmod>2014-10-12T08:31:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/02/vicious-cycles/</loc>
		<lastmod>2012-05-02T21:23:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/03/yes-the-us-government-is-part-of-the-problem/</loc>
		<lastmod>2012-05-03T06:38:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/03/bad-us-unemployment-news-coming/</loc>
		<lastmod>2012-05-03T14:11:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/03/unattractive-austerity/</loc>
		<lastmod>2012-05-03T14:19:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/04/should-south-africa-import-chinese-tvs/</loc>
		<lastmod>2012-05-04T09:28:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/04/insurers-dealing-with-regulatory-change/</loc>
		<lastmod>2012-05-04T08:50:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/04/how-some-economists-feel-about-their-impact-on-actual-policy/</loc>
		<lastmod>2012-05-04T09:25:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/05/if-your-model-has-always-been-wrong/</loc>
		<lastmod>2012-05-05T18:28:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/07/massively-over-paid-unskilled-workers/</loc>
		<lastmod>2012-05-06T12:54:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/09/this-is-huge/</loc>
		<lastmod>2012-05-09T23:09:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/16/no-time/</loc>
		<lastmod>2012-05-16T19:30:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/17/the-death-of-inflation-targeting/</loc>
		<lastmod>2012-05-16T22:06:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/22/not-only-eggs-will-be-broken/</loc>
		<lastmod>2012-05-22T16:15:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/23/solar-panel-insurance-critical-to-market/</loc>
		<lastmod>2012-05-23T07:48:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/23/inflation-up-but-less-than-expected/</loc>
		<lastmod>2012-05-23T08:29:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/30/inevitable-meltdown/</loc>
		<lastmod>2012-05-30T15:57:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/30/taxidermist-time/</loc>
		<lastmod>2012-05-30T19:06:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/05/31/german-should-leave-the-euro/</loc>
		<lastmod>2012-05-31T14:50:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/06/01/the-health-cost-of-congestion/</loc>
		<lastmod>2012-05-30T16:44:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/06/05/life-in-hotels-sandton-city-garden-court-june-2012/</loc>
		<lastmod>2012-06-08T07:12:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/06/13/systematic-risk-in-insurance/</loc>
		<lastmod>2012-06-13T10:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/06/13/hong-kong-almost-contemplates-removing-the-dollar-peg/</loc>
		<lastmod>2012-06-13T17:18:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/06/18/greek-fire/</loc>
		<lastmod>2012-06-18T09:52:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/09/up-up-and-away/</loc>
		<lastmod>2012-07-09T08:56:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/10/when-you-simply-absolutely-do-not-want-to-hold-euros/</loc>
		<lastmod>2012-07-10T13:58:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/16/prediction-us-ten-year-yields-will-be-below-7-up-until-2016/</loc>
		<lastmod>2012-07-16T14:00:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/17/why-structural-unemployment-is-still-with-us-will-stay/</loc>
		<lastmod>2012-07-17T05:08:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/18/three-years-of-mumbling/</loc>
		<lastmod>2012-07-17T05:16:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/20/a-post-about-a-post-about-accounting-standards/</loc>
		<lastmod>2012-07-20T06:42:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/23/book-review-the-hedge-fund-mirage/</loc>
		<lastmod>2014-10-12T08:30:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/24/damned-if-you-do/</loc>
		<lastmod>2012-07-24T11:23:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/25/world-bank-wins-obviousness-award/</loc>
		<lastmod>2012-07-24T11:30:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/25/policy-should-include-clear-views-on-how-it-will-be-measured/</loc>
		<lastmod>2012-07-25T10:20:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/26/discrimination-and-anti-selection/</loc>
		<lastmod>2012-07-24T13:39:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/27/renewable-energy-and-policy-risk/</loc>
		<lastmod>2012-07-24T13:45:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/29/money-clipping-of-the-incompetent-kind/</loc>
		<lastmod>2012-07-24T14:22:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/30/prediction-spanish-yields-to-end-week-higher/</loc>
		<lastmod>2012-07-30T06:51:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/30/new-sam-presentation/</loc>
		<lastmod>2012-07-30T07:12:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/30/book-review-the-trouble-with-strategy/</loc>
		<lastmod>2014-10-12T08:29:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/31/time-and-age-and-cohorts/</loc>
		<lastmod>2012-07-31T13:05:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/07/31/more-on-gender-and-analytical-problems/</loc>
		<lastmod>2012-07-31T21:55:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/03/first-solar-only-country/</loc>
		<lastmod>2012-08-03T07:30:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/04/spanish-yields-all-over-the-place/</loc>
		<lastmod>2012-08-04T16:20:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/09/china-inflation-down-to-1-8-yy/</loc>
		<lastmod>2012-08-09T11:27:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/10/indias-manufacturing-output-down/</loc>
		<lastmod>2012-08-09T12:23:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/14/the-real-cost-of-the-crisis-to-italy/</loc>
		<lastmod>2012-08-14T06:58:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/15/gold-aint-happening-yet/</loc>
		<lastmod>2012-08-15T08:08:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/16/emerging-markets-and-equity-performance/</loc>
		<lastmod>2012-08-15T08:30:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/17/income-inequality-over-average-income/</loc>
		<lastmod>2012-08-15T09:08:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/18/sam-and-compliance/</loc>
		<lastmod>2012-08-15T10:00:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/20/insurance-tech-and-people/</loc>
		<lastmod>2012-08-20T11:08:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/24/bad-news-update/</loc>
		<lastmod>2012-08-24T15:40:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/27/understanding-just-how-bad-things-can-get/</loc>
		<lastmod>2012-08-24T15:52:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/27/ibm-knew/</loc>
		<lastmod>2012-08-27T22:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/27/new-plugin-latex-formulae-on-their-way/</loc>
		<lastmod>2012-08-27T21:58:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/28/bottlenecks/</loc>
		<lastmod>2012-08-28T13:24:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/28/lexmark-quits-inkjets/</loc>
		<lastmod>2012-08-28T14:54:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/29/life-in-hotels-the-westcliff/</loc>
		<lastmod>2012-08-28T13:35:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/29/bitcoin-ponzi-not-bitcoins-fault/</loc>
		<lastmod>2012-09-10T16:08:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/08/29/jury-verdict-in-apple-samsung-starting-to-look-fragile/</loc>
		<lastmod>2012-08-29T20:35:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/04/life-in-hotels-pebble-fountain-guest-house-pretoria/</loc>
		<lastmod>2012-08-28T13:59:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/07/life-insurer-placed-into-curatorship/</loc>
		<lastmod>2012-09-07T17:24:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/09/community-rating-universal-coverage-and-anti-selection/</loc>
		<lastmod>2012-09-09T19:39:11+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/14/prediction-solvency-ii-wont-be-live-before-2015/</loc>
		<lastmod>2012-09-19T17:25:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/17/its-not-fear-when-its-what-you-want/</loc>
		<lastmod>2012-09-17T19:09:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/18/just-make-up-the-numbers/</loc>
		<lastmod>2012-09-18T21:35:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/19/new-favourite-economic-term-jedi-mind-tricks/</loc>
		<lastmod>2012-09-19T08:25:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/19/sam-update-on-orsa-internal-models-and-business-impact/</loc>
		<lastmod>2012-09-19T11:31:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/20/yes-im-aware-spanish-yields-are-way-down/</loc>
		<lastmod>2012-09-19T16:19:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/21/life-in-hotels-10-2nd-avenue-houghton-estate/</loc>
		<lastmod>2012-09-25T11:39:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/09/25/summary-of-sam-interim-measures/</loc>
		<lastmod>2012-10-01T09:13:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/10/02/iasb-re-expousing-ifrs-4-phase-2/</loc>
		<lastmod>2013-01-09T07:32:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/10/07/poorly-controlled-spreadsheets/</loc>
		<lastmod>2012-10-07T19:58:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/11/08/kings-consitution-and-sam-legislation/</loc>
		<lastmod>2013-01-07T13:52:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/11/16/us-life-expectancy-and-the-dangers-of-superficial-analysis/</loc>
		<lastmod>2012-11-16T12:39:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/11/20/a-year-in-the-life-of-eurusd/</loc>
		<lastmod>2012-11-20T12:36:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/12/10/sam-risk-free-rate-workshop/</loc>
		<lastmod>2012-12-10T14:11:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2012/12/11/swap-vs-swop/</loc>
		<lastmod>2012-12-11T15:22:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/01/08/welcome-to-2013/</loc>
		<lastmod>2013-01-08T09:57:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/01/09/what-happened-to-the-grexit/</loc>
		<lastmod>2013-01-09T06:02:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/01/09/different-types-of-predictions/</loc>
		<lastmod>2013-01-09T07:41:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/01/17/finally-something-newsworthy-on-eskom-and-electricity-prices/</loc>
		<lastmod>2013-01-17T20:10:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/01/31/worrying-signs-of-renewed-credit-crunch/</loc>
		<lastmod>2013-01-31T11:06:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/06/the-perfect-storm-part-0/</loc>
		<lastmod>2013-02-06T16:30:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/07/does-being-richer-make-you-feel-better-than-being-cooler/</loc>
		<lastmod>2013-02-06T19:53:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/08/the-perfect-storm-part-1-ifrs-reporting-under-sam/</loc>
		<lastmod>2013-02-06T17:55:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/10/changing-attitudes-and-demographics/</loc>
		<lastmod>2013-02-06T18:02:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/11/paris-trousers-and-handle-bars/</loc>
		<lastmod>2013-02-06T18:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/12/credit-suisse-annual-update-on-market-performance/</loc>
		<lastmod>2013-02-06T19:46:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/13/lotteries-for-good/</loc>
		<lastmod>2013-02-06T20:07:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/15/2012-predictions-update/</loc>
		<lastmod>2013-02-12T05:11:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/17/was-the-euro-ever-in-trouble/</loc>
		<lastmod>2013-02-12T20:31:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/26/fixing-sa-education-political-will-not-only-money/</loc>
		<lastmod>2013-02-26T15:26:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/27/new-euro-jitters/</loc>
		<lastmod>2013-02-26T15:29:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/02/28/eskom-inflation-and-early-onset-dementia/</loc>
		<lastmod>2013-02-28T21:55:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/07/tragedy-of-the-nutella/</loc>
		<lastmod>2013-03-07T17:44:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/12/the-importance-of-verification/</loc>
		<lastmod>2013-03-12T07:36:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/12/how-to-draw-conclusion-on-vavis-r4500-minimum-wage/</loc>
		<lastmod>2013-03-13T06:57:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/13/now-even-the-technical-bits-to-admire-are-less-shiny/</loc>
		<lastmod>2013-03-12T20:28:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/19/cyprus-in-fits-and-spurts/</loc>
		<lastmod>2013-03-28T06:50:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/20/as-cyprus-burns-does-south-africa/</loc>
		<lastmod>2013-03-19T20:08:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/22/birdy-statistics/</loc>
		<lastmod>2013-03-20T07:46:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/28/summary-of-cypriot-capital-controls/</loc>
		<lastmod>2013-03-28T07:00:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/28/banking-failures-in-south-africa/</loc>
		<lastmod>2013-03-28T13:09:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/03/29/xkcd-and-statisticians/</loc>
		<lastmod>2013-03-28T14:16:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/02/bitcoin-billions/</loc>
		<lastmod>2013-04-02T14:13:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/03/bacon-flavoured-bitcoins/</loc>
		<lastmod>2013-04-03T21:34:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/05/the-virtual-irrelevancy-of-population-size-to-required-sample-size/</loc>
		<lastmod>2013-04-04T22:38:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/08/intrade-and-the-prisoners-dilemma/</loc>
		<lastmod>2013-04-08T07:26:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/16/bitcoin-inflation-15707854302953800000000000000000000/</loc>
		<lastmod>2013-04-16T14:06:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/04/30/is-credit-extension-in-sa-out-of-control/</loc>
		<lastmod>2013-04-30T19:38:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/05/03/link-shortening-madness/</loc>
		<lastmod>2013-05-02T13:51:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/05/10/why-equity-matters/</loc>
		<lastmod>2013-05-10T11:06:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/05/10/open-mortality-data/</loc>
		<lastmod>2013-05-10T11:23:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/05/15/lac-seminar-2013-live-tweeting-complete-list/</loc>
		<lastmod>2013-05-15T13:15:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/06/20/how-to-force-a-conclusion-from-a-study/</loc>
		<lastmod>2013-06-20T15:45:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/07/11/links-to-revised-2013-ifrs4-exposure-draft/</loc>
		<lastmod>2013-07-11T06:12:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/07/11/more-statistical-fun-from-xkcd/</loc>
		<lastmod>2013-07-11T08:34:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/10/01/sewing-seeds-of-manufacturing-growth/</loc>
		<lastmod>2013-10-01T08:59:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/12/16/when-is-revenue-lost/</loc>
		<lastmod>2013-12-16T09:47:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/12/17/zim-cash-shortages/</loc>
		<lastmod>2013-12-17T07:35:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2013/12/19/educaiton-cas-and-how-long-is-long-to-study/</loc>
		<lastmod>2013-12-17T07:29:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/11/assumptions-and-xkcd/</loc>
		<lastmod>2014-03-11T07:25:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/12/drones-inequality-and-the-end-of-the-age-of-the-gun/</loc>
		<lastmod>2014-03-12T06:05:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/12/binary-vs-vanilla-bets-and-hedging/</loc>
		<lastmod>2014-03-12T11:46:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/14/chinese-debt-a-serious-worry/</loc>
		<lastmod>2014-03-14T13:06:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/17/paris-bans-half-all-of-all-cars/</loc>
		<lastmod>2014-03-17T20:19:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/03/18/progress-on-tax-free-savings-vehicles-but-scathing-words-for-life-insurers/</loc>
		<lastmod>2014-07-25T12:52:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/07/25/argentina-teetering-towards-default/</loc>
		<lastmod>2014-09-23T07:19:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/07/31/argentina-in-default-for-second-time-in-13-years/</loc>
		<lastmod>2014-07-31T05:23:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/10/01/sanral-with-blinkers-on-and-no-imagination/</loc>
		<lastmod>2014-10-01T07:36:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/10/09/european-deflation-risks-not-deflating/</loc>
		<lastmod>2014-10-12T08:25:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/10/11/norways-new-bank-notes/</loc>
		<lastmod>2014-10-11T07:21:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/10/12/book-review-bitcon-the-naked-truth-about-bitcoin/</loc>
		<lastmod>2014-10-12T07:27:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/10/16/book-review-flash-boys/</loc>
		<lastmod>2014-10-12T10:18:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/09/foo-fighter-and-munich/</loc>
		<lastmod>2014-11-09T05:24:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/09/short-and-long-term-unemployment/</loc>
		<lastmod>2014-11-09T06:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/10/travel-and-horizons/</loc>
		<lastmod>2014-11-09T06:29:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/19/actuarial-sloppiness/</loc>
		<lastmod>2014-11-19T09:14:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/20/selective-lapsation-where-it-does-happen/</loc>
		<lastmod>2014-11-20T10:24:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/21/optimisation-gone-wrong/</loc>
		<lastmod>2014-11-21T03:44:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/24/sa85-90-combined-and-more-actuarial-sloppiness/</loc>
		<lastmod>2014-11-19T20:57:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/11/28/summary-of-november-links/</loc>
		<lastmod>2014-11-27T10:33:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/12/10/defining-things-and-star-wars/</loc>
		<lastmod>2014-12-10T06:43:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2014/12/12/twin-peaks-update-dec-2014/</loc>
		<lastmod>2014-12-12T14:48:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2015/02/13/foreign-land-ownership/</loc>
		<lastmod>2015-02-13T17:10:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2015/05/03/economic-growth-during-and-after-apartheid-and-the-real-problem-with-1/</loc>
		<lastmod>2015-05-03T19:43:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2015/05/08/the-worst-insurance-policy-in-the-world/</loc>
		<lastmod>2017-07-11T15:29:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2015/08/24/south-africa-ranks-2nd-in-financial-inclusion-study/</loc>
		<lastmod>2015-08-26T11:08:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2015/08/26/modest-data/</loc>
		<lastmod>2015-08-26T11:04:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/01/31-151-and-what-comes-next/</loc>
		<lastmod>2017-10-01T18:44:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/02/who-owns-defined-benefit-holes/</loc>
		<lastmod>2017-10-02T20:08:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/03/ct-water-news-come-4-october/</loc>
		<lastmod>2017-10-02T20:21:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/04/yearning-for-learning/</loc>
		<lastmod>2017-10-03T19:37:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/05/crispr-cas9-and-my-grandchildren/</loc>
		<lastmod>2017-10-03T20:03:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/06/current-and-future-state-of-bancassurance-in-sa/</loc>
		<lastmod>2017-10-06T17:24:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/07/life-in-our-time-of-cholera/</loc>
		<lastmod>2017-10-08T12:31:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/08/claims-analysis-inflation-and-discounting-part1/</loc>
		<lastmod>2017-10-09T08:49:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/09/claims-analysis-inflation-and-discounting-part-2/</loc>
		<lastmod>2017-10-10T05:27:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/10/behavioural-economics-and-xkcd/</loc>
		<lastmod>2017-10-10T05:33:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/10/systemic-risk-primary-poll/</loc>
		<lastmod>2017-10-19T16:16:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/11/zero-deductibles-and-innovation-from-insurtech/</loc>
		<lastmod>2017-10-10T07:01:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/12/credit-life-regulations-and-reactions-1/</loc>
		<lastmod>2017-10-13T15:52:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/13/reserve-discount-and-inflation-part-3-is-still-coming/</loc>
		<lastmod>2017-10-13T15:53:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/13/modelling-one-side-of-a-two-sided-problem/</loc>
		<lastmod>2017-10-13T16:44:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/14/board-game-recommendations-and-reasons-to-use-them/</loc>
		<lastmod>2017-10-17T10:06:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/15/book-review-loss-coverage-why-insurance-works-betters-with-some-adverse-selection/</loc>
		<lastmod>2017-10-22T21:35:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/16/what-is-systemic-risk/</loc>
		<lastmod>2017-10-17T06:43:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/16/inevitable/</loc>
		<lastmod>2017-10-16T19:18:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/17/why-the-last-7-years-have-felt-rough/</loc>
		<lastmod>2017-10-17T06:27:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/18/enid-not-blyton/</loc>
		<lastmod>2017-10-17T07:20:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/19/erp-update-delayed-response-to-a-blog-reader/</loc>
		<lastmod>2019-01-14T09:16:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/19/23rd-floor-in-oz/</loc>
		<lastmod>2017-10-19T16:14:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/20/credit-life-regulations-and-reactions-2/</loc>
		<lastmod>2017-10-17T10:31:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/21/credit-life-regulations-and-reactions-3/</loc>
		<lastmod>2017-10-17T10:59:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/22/do-data-lakes-hide-loch-ness-monsters/</loc>
		<lastmod>2017-10-17T21:40:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/23/island-life/</loc>
		<lastmod>2017-10-23T19:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/24/credit-life-aside-banning-sale-of-credit-life-alongside-lending/</loc>
		<lastmod>2017-10-17T15:58:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/25/collective-nouns-for-cats/</loc>
		<lastmod>2017-10-24T07:18:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/26/move-over-cholera-heres-the-black-death/</loc>
		<lastmod>2017-10-25T22:01:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/27/the-importance-or-not-of-actuarial-exams/</loc>
		<lastmod>2019-05-01T10:09:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/28/cunninghams-law/</loc>
		<lastmod>2017-10-25T20:41:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/29/alternatives-to-uncanny/</loc>
		<lastmod>2017-10-30T20:05:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/30/downwards-counterfactual-analysis/</loc>
		<lastmod>2017-10-30T20:05:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2017/10/31/bitcoins-deflation-and-the-slightly-silly-impact-of-loss/</loc>
		<lastmod>2017-10-31T18:39:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2018/06/14/why-isnt-there-more-micro-insurance-in-south-africa/</loc>
		<lastmod>2018-06-14T13:51:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2018/06/14/slides-from-micro-insurance-sessional-meeting-in-2018/</loc>
		<lastmod>2019-01-14T09:16:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/06/a-private-exhumation/</loc>
		<lastmod>2019-09-10T13:55:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/07/just-what-are-ancillary-own-funds/</loc>
		<lastmod>2019-09-10T13:53:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/14/illusory-truth/</loc>
		<lastmod>2019-09-10T13:53:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/15/not-this-old-outcry-again/</loc>
		<lastmod>2019-05-14T12:26:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/16/orange-is-the-new-orange/</loc>
		<lastmod>2019-05-14T12:55:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/16/the-future-is-not-as-old-as-we-thought/</loc>
		<lastmod>2019-09-10T13:52:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/17/teaching-critical-thinking/</loc>
		<lastmod>2019-09-10T13:52:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/18/ghosts-of-bullets-dodged/</loc>
		<lastmod>2019-05-18T08:54:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/05/23/unbelievable-risk-discounts-rates/</loc>
		<lastmod>2019-09-10T17:13:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/06/06/voice-authentication-spoofing-and-rates-of-change/</loc>
		<lastmod>2019-06-06T07:47:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/08/15/erp-and-how-expensive-is-the-us-market-now/</loc>
		<lastmod>2019-09-10T17:11:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/08/26/why-gender-at-birth-is-not-a-coin-toss/</loc>
		<lastmod>2019-09-10T17:11:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/09/10/capital-implications-of-infrastructure-assets-for-insurers-under-sam/</loc>
		<lastmod>2019-09-10T17:10:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2019/12/05/does-business-rescue-count-as-default/</loc>
		<lastmod>2019-12-05T06:30:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2020/06/11/guidance-for-actuaries-making-decisions-with-covid-19/</loc>
		<lastmod>2020-06-11T12:02:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2022/08/12/harmless-error/</loc>
		<lastmod>2022-08-12T07:58:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/03/07/familiarity-breeds-complexity/</loc>
		<lastmod>2024-03-07T07:18:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/03/13/two-pot-ambitions/</loc>
		<lastmod>2024-03-31T16:39:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/03/20/a-wild-idea/</loc>
		<lastmod>2024-05-21T21:53:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/03/30/current-decisions-for-a-long-term-climate-impacted-future/</loc>
		<lastmod>2024-03-31T16:33:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/03/31/how-pressing-is-climate-change-for-south-african-non-life-insurers/</loc>
		<lastmod>2024-05-11T15:21:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/04/05/the-challenges-of-insurance-distribution/</loc>
		<lastmod>2024-05-11T15:48:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/04/09/faq-on-apn116-life-ibnr-stresses/</loc>
		<lastmod>2024-04-09T07:24:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/07/lacdt-still-perplexes-many/</loc>
		<lastmod>2024-05-21T21:52:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/11/weighting-waiting/</loc>
		<lastmod>2024-05-11T21:36:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/11/ifrs17-may-not-kill-off-ev/</loc>
		<lastmod>2024-05-21T21:52:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/13/40000/</loc>
		<lastmod>2024-05-21T21:18:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/14/the-relevance-of-insurance-capital-standards/</loc>
		<lastmod>2024-05-11T15:30:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/15/frictional-cost-and-tax/</loc>
		<lastmod>2024-05-11T15:34:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/16/ifrs17-consistency-vfa-vs-gmm/</loc>
		<lastmod>2024-05-16T13:11:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/20/uninsurable/</loc>
		<lastmod>2024-05-16T13:12:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/22/demographic-headwinds/</loc>
		<lastmod>2024-05-25T13:33:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/25/the-dangers-of-opinion-shopping/</loc>
		<lastmod>2024-05-25T13:32:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/27/how-and-why-insurers-fail/</loc>
		<lastmod>2024-05-21T21:18:06+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/29/a-piece-of-the-failure-puzzle-decreasing-insurer-failure-rates-through-skilled-person-reviews/</loc>
		<lastmod>2024-05-21T21:17:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/05/29/forever-emerging-risks/</loc>
		<lastmod>2024-05-29T19:07:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/08/26/parametric-insurance-getting-ready-for-prime-time/</loc>
		<lastmod>2024-09-16T09:52:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/09/02/the-myth-of-signing-at-the-top/</loc>
		<lastmod>2024-09-16T09:45:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/09/09/reinsurer-credit-rating-and-cqs-sovereign-caps-and-misapplication-of-regulations/</loc>
		<lastmod>2024-09-16T09:47:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/09/16/one-answer-could-be-pet-insurance/</loc>
		<lastmod>2024-09-16T09:53:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/09/25/the-equity-symmetric-adjustment-dispelling-myths-and-understanding-market-dynamics/</loc>
		<lastmod>2024-09-25T09:12:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/10/21/capital-modelling-for-parametric-insurance-intro/</loc>
		<lastmod>2024-10-21T09:01:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/02/liquidity-vs-solvency-understanding-insurance-company-risks/</loc>
		<lastmod>2024-11-02T12:43:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/04/fat-tails-and-the-folly-of-this-time-its-different/</loc>
		<lastmod>2024-11-02T13:07:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/05/the-mathematics-and-game-theory-behind-a-simple-number-game/</loc>
		<lastmod>2024-11-06T06:44:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/06/value-at-risk-not-always-a-monster-but-normally-it-is/</loc>
		<lastmod>2025-02-24T16:34:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/08/stress-testing-and-scenario-generation-risk-management-way-beyond-var/</loc>
		<lastmod>2024-11-02T16:14:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/11/28/risk-appetite-when-is-change-good/</loc>
		<lastmod>2024-11-02T17:26:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/12/09/the-perils-of-value-at-risk-and-portfolio-insurance/</loc>
		<lastmod>2024-11-02T13:42:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2024/12/12/the-complexities-of-comparing-scr-cover-ratios-across-insurers/</loc>
		<lastmod>2025-02-24T16:36:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/02/24/the-loss-absorbing-capacity-of-distant-dividends-that-can-still-be-foreseen/</loc>
		<lastmod>2025-02-24T16:32:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/02/26/the-economic-insurance-implications-of-global-population-decline/</loc>
		<lastmod>2025-02-26T08:38:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/03/17/inflation-bitcoin-financial-risk-why-this-matters-more-than-you-think/</loc>
		<lastmod>2025-03-17T13:55:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/05/09/stressed-to-kill-greatest-hits-of-orsa-modelling-fails/</loc>
		<lastmod>2025-05-09T14:51:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/05/23/should-south-africa-embrace-public-sfcr-style-disclosures/</loc>
		<lastmod>2026-02-04T13:30:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/06/09/why-clear-writing-is-a-thinking-problem/</loc>
		<lastmod>2026-02-04T13:28:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/10/22/calibration-is-not-validation/</loc>
		<lastmod>2026-02-04T13:26:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2025/12/17/why-did-your-premium-go-up-when-someone-else-hit-your-parked-car/</loc>
		<lastmod>2025-12-17T09:33:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
	<url>
		<loc>https://twentythirdfloor.co.za/2026/02/04/the-indemnity-trap-why-outdated-legal-models-are-deferring-the-promise-of-parametric-insurance/</loc>
		<lastmod>2026-02-04T13:23:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.4</priority>
	</url>
</urlset><!-- Request ID: 207c5b9b64a521bbd35ca1a2a618fa0c; Queries for sitemap: 4; Total queries: 36; Seconds: 0.13; Memory for sitemap: 2MB; Total memory: 22MB -->
