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		<loc>https://zaviad.com/explainer/time-horizon-3/</loc>
		<lastmod>2022-09-26T13:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/time-value-of-money-5/</loc>
		<lastmod>2022-09-26T13:06:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/discounting-2/</loc>
		<lastmod>2022-09-26T13:07:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/present-value-2/</loc>
		<lastmod>2022-09-26T13:08:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/future-value-2/</loc>
		<lastmod>2022-09-26T13:09:17+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/net-present-value-2/</loc>
		<lastmod>2022-09-26T13:10:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/internal-rate-of-return/</loc>
		<lastmod>2022-09-26T13:12:29+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/modified-internal-rate-of-return-2/</loc>
		<lastmod>2022-09-26T13:13:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/annuity-2/</loc>
		<lastmod>2022-09-26T13:14:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/perpetuity-2/</loc>
		<lastmod>2022-09-26T13:14:56+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/trade-3/</loc>
		<lastmod>2022-09-26T13:15:32+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/free-trade-2/</loc>
		<lastmod>2022-09-26T13:16:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/free-market-2/</loc>
		<lastmod>2022-09-26T13:16:43+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fair-trade-2/</loc>
		<lastmod>2022-09-26T13:18:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/unit-of-account-3/</loc>
		<lastmod>2022-09-26T13:19:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/volatility-4/</loc>
		<lastmod>2022-09-26T13:19:59+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/yield-4/</loc>
		<lastmod>2022-09-26T13:22:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/yield-curve-3/</loc>
		<lastmod>2022-09-26T13:23:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/auditing-2/</loc>
		<lastmod>2022-09-26T13:25:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/accounting-software/</loc>
		<lastmod>2022-09-26T13:40:08+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/book-keeping-2/</loc>
		<lastmod>2022-09-26T13:40:57+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fasb-2/</loc>
		<lastmod>2022-09-26T13:42:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-accountancy-2/</loc>
		<lastmod>2022-09-26T13:43:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-statements-2/</loc>
		<lastmod>2022-09-26T13:44:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/balance-sheet-4/</loc>
		<lastmod>2022-09-26T13:47:17+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cash-flow-statement-2/</loc>
		<lastmod>2022-09-26T13:50:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/income-statement-2/</loc>
		<lastmod>2022-09-26T13:51:48+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/management-accounting-2/</loc>
		<lastmod>2022-09-26T13:53:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/philosophy-of-accounting-2/</loc>
		<lastmod>2022-09-26T13:55:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/working-capital-3/</loc>
		<lastmod>2022-09-26T13:56:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hedge-accounting-2/</loc>
		<lastmod>2022-09-26T13:58:13+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fair-value-accounting-2/</loc>
		<lastmod>2022-09-26T13:59:28+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/balance-sheet-analysis-2/</loc>
		<lastmod>2022-09-26T14:01:21+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-ratio-2/</loc>
		<lastmod>2022-09-26T14:03:37+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/business-plan-4/</loc>
		<lastmod>2022-09-26T14:07:58+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/capital-budgeting-3/</loc>
		<lastmod>2022-09-26T14:09:05+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/investment-policy-2/</loc>
		<lastmod>2022-09-26T14:10:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/business-valuation-3/</loc>
		<lastmod>2022-09-26T14:11:38+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/stock-valuation-3/</loc>
		<lastmod>2022-09-26T14:12:38+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fundamental-analysis-2/</loc>
		<lastmod>2022-09-26T14:13:42+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/real-options-3/</loc>
		<lastmod>2022-09-26T14:14:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/valuation-topics-3/</loc>
		<lastmod>2022-09-26T14:16:43+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fisher-separation-theorem-2/</loc>
		<lastmod>2022-09-26T14:17:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/sources-of-financing-3/</loc>
		<lastmod>2022-09-26T14:18:39+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/securities-4/</loc>
		<lastmod>2022-09-26T14:19:56+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/debt-4/</loc>
		<lastmod>2022-09-26T14:20:40+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/initial-public-offering-3/</loc>
		<lastmod>2022-09-26T14:21:35+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/capital-structure-2/</loc>
		<lastmod>2022-09-26T14:22:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cost-of-capital-2/</loc>
		<lastmod>2022-09-26T14:23:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/weighted-average-cost-of-capital-3/</loc>
		<lastmod>2022-09-26T14:23:47+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/modigliani-miller-theorem-2/</loc>
		<lastmod>2022-09-26T14:34:10+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hamadas-equation-2/</loc>
		<lastmod>2022-09-26T14:36:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/dividend-policy-2/</loc>
		<lastmod>2022-09-26T14:38:40+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/dividend-3/</loc>
		<lastmod>2022-09-26T14:41:59+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/dividend-tax-2/</loc>
		<lastmod>2022-09-26T14:42:42+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/dividend-yield-2/</loc>
		<lastmod>2022-09-26T14:44:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/modigliani-miller-theorem-3/</loc>
		<lastmod>2022-09-27T04:47:16+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/corporate-action-2/</loc>
		<lastmod>2022-09-27T04:48:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-managementstrategic/</loc>
		<lastmod>2022-09-27T04:49:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/managerial-finance-3/</loc>
		<lastmod>2022-09-27T04:51:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/management-accounting-3/</loc>
		<lastmod>2022-09-27T04:52:34+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/mergers-and-acquisitions-2/</loc>
		<lastmod>2022-09-27T04:53:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/leveraged-buyout/</loc>
		<lastmod>2022-09-27T04:54:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/takeover-2/</loc>
		<lastmod>2022-09-27T04:54:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/corporate-raid-2/</loc>
		<lastmod>2022-09-27T04:55:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/contingent-value-rights-2/</loc>
		<lastmod>2022-09-27T04:56:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/real-options-4/</loc>
		<lastmod>2022-09-27T04:57:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/working-capital-management-4/</loc>
		<lastmod>2022-09-27T04:58:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/working-capital-4/</loc>
		<lastmod>2022-09-27T04:59:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/current-assets-2/</loc>
		<lastmod>2022-09-27T05:00:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/current-liabilities-2/</loc>
		<lastmod>2022-09-27T05:01:16+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/return-on-investment-5/</loc>
		<lastmod>2022-09-27T05:01:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/return-on-capital-3/</loc>
		<lastmod>2022-09-27T05:02:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/return-on-assets-5/</loc>
		<lastmod>2022-09-27T05:03:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/return-on-equity-3/</loc>
		<lastmod>2022-09-27T05:03:38+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/loan-covenant-2/</loc>
		<lastmod>2022-09-27T05:04:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cash-conversion-cycle-2/</loc>
		<lastmod>2022-09-27T05:06:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cash-management-2/</loc>
		<lastmod>2022-09-27T05:07:01+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/strategic-financial-management-%c2%a7-cash-management-2/</loc>
		<lastmod>2022-09-27T05:08:01+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/inventory-optimization-2/</loc>
		<lastmod>2022-09-27T05:08:56+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/supply-chain-management-5/</loc>
		<lastmod>2022-09-27T05:09:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/just-in-time-jit-2/</loc>
		<lastmod>2022-09-27T05:10:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/economic-order-quantity-eoq-2/</loc>
		<lastmod>2022-09-27T05:10:56+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/economic-production-quantity-epq-2/</loc>
		<lastmod>2022-09-27T05:11:32+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/economic-batch-quantity-2/</loc>
		<lastmod>2022-09-27T05:12:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/credit-finance-2/</loc>
		<lastmod>2022-09-27T05:12:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/credit-scoring-2/</loc>
		<lastmod>2022-09-27T05:13:34+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/default-risk-2/</loc>
		<lastmod>2022-09-27T05:14:17+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/discounts-and-allowances-2/</loc>
		<lastmod>2022-09-27T05:14:57+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/active-management-3/</loc>
		<lastmod>2022-09-27T05:15:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/efficient-market-hypothesis-2/</loc>
		<lastmod>2022-09-27T05:17:58+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/portfolio-5/</loc>
		<lastmod>2022-09-27T05:20:12+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/modern-portfolio-theory-4/</loc>
		<lastmod>2022-09-27T05:20:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/capital-asset-pricing-model-3/</loc>
		<lastmod>2022-09-27T05:21:26+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/arbitrage-pricing-theory-3/</loc>
		<lastmod>2022-09-27T05:22:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/passive-management-2/</loc>
		<lastmod>2022-09-27T05:22:48+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/index-fund-2/</loc>
		<lastmod>2022-09-27T05:23:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/activist-shareholder-2/</loc>
		<lastmod>2022-09-27T05:23:59+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/mutual-fund-2/</loc>
		<lastmod>2022-09-27T05:24:46+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/open-end-fund-2/</loc>
		<lastmod>2022-09-27T05:25:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/closed-end-fund-2/</loc>
		<lastmod>2022-09-27T05:26:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/list-of-mutual-fund-families-2/</loc>
		<lastmod>2022-09-27T05:27:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-engineering-3/</loc>
		<lastmod>2022-09-27T05:27:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/long-term-capital-management-2/</loc>
		<lastmod>2022-09-27T05:28:28+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hedge-fund-3/</loc>
		<lastmod>2022-09-27T05:29:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hedge-2/</loc>
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		<loc>https://zaviad.com/explainer/quantitative-investing/</loc>
		<lastmod>2022-09-27T05:30:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/asset-allocation-3/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/asset-location-2/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/budget-2/</loc>
		<lastmod>2022-09-27T05:32:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/529-plan/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/credit-card-2/</loc>
		<lastmod>2022-09-27T05:34:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/debt-consolidation-4/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/mortgage-loan-3/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/continuous-repayment-mortgage-2/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/debit-card-2/</loc>
		<lastmod>2022-09-27T05:37:03+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/direct-deposit-2/</loc>
		<lastmod>2022-09-27T05:37:34+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/employment-contract-2/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/commission-3/</loc>
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		<loc>https://zaviad.com/explainer/employee-stock-option-2/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/employee-or-fringe-benefit-2/</loc>
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	<url>
		<loc>https://zaviad.com/explainer/health-insurance-2/</loc>
		<lastmod>2022-09-27T05:40:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/paycheck-2/</loc>
		<lastmod>2022-09-27T05:41:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/salary-2/</loc>
		<lastmod>2022-09-27T05:42:02+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/wage-2/</loc>
		<lastmod>2022-09-27T05:44:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-literacy-2/</loc>
		<lastmod>2022-09-27T05:44:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/insurance-4/</loc>
		<lastmod>2022-09-27T05:45:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/predatory-lending-2/</loc>
		<lastmod>2022-09-27T05:46:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/retirement-plan-3/</loc>
		<lastmod>2022-09-27T05:47:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/401a/</loc>
		<lastmod>2022-09-27T05:47:40+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/401k/</loc>
		<lastmod>2022-09-27T05:48:23+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/403b/</loc>
		<lastmod>2022-09-27T05:49:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/457-plan/</loc>
		<lastmod>2022-09-27T05:49:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/keogh-plan/</loc>
		<lastmod>2022-09-27T05:56:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/individual-retirement-account-2/</loc>
		<lastmod>2022-09-27T05:57:10+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/roth-ira-2/</loc>
		<lastmod>2022-09-27T05:57:54+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/traditional-ira/</loc>
		<lastmod>2022-09-27T05:58:29+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/sep-ira/</loc>
		<lastmod>2022-09-27T05:59:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/simple-ira-2/</loc>
		<lastmod>2022-09-27T06:00:39+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/pension-2/</loc>
		<lastmod>2022-09-27T06:01:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/simple-living-2/</loc>
		<lastmod>2022-09-27T06:02:39+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/social-security-3/</loc>
		<lastmod>2022-09-27T06:03:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/tax-advantage-5/</loc>
		<lastmod>2022-09-27T06:04:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/wealth-2/</loc>
		<lastmod>2022-09-27T06:04:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/comparison-of-accounting-software-2/</loc>
		<lastmod>2022-09-27T06:05:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/personal-financial-management-2/</loc>
		<lastmod>2022-09-27T06:06:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/investment-club-2/</loc>
		<lastmod>2022-09-27T06:07:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/collective-investment-scheme/</loc>
		<lastmod>2022-09-27T06:08:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/public-finance-3/</loc>
		<lastmod>2022-09-27T06:08:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/central-bank-2/</loc>
		<lastmod>2022-09-27T06:10:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/federal-reserve-2/</loc>
		<lastmod>2022-09-27T06:10:32+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fractional-reserve-banking-2/</loc>
		<lastmod>2022-09-27T06:11:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/deposit-creation-multiplier-2/</loc>
		<lastmod>2022-09-27T06:11:43+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/tax-3/</loc>
		<lastmod>2022-09-27T06:12:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/capital-gains-tax-4/</loc>
		<lastmod>2022-09-27T06:13:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/estate-tax-and-inheritance-tax-2/</loc>
		<lastmod>2022-09-27T06:13:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/environmental-finance-2/</loc>
		<lastmod>2022-09-27T06:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/gift-tax-2/</loc>
		<lastmod>2022-09-27T06:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/income-tax-2/</loc>
		<lastmod>2022-09-27T06:16:54+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/inheritance-tax-2/</loc>
		<lastmod>2022-09-27T06:17:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/payroll-tax-2/</loc>
		<lastmod>2022-09-27T06:18:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/property-tax/</loc>
		<lastmod>2022-09-27T06:18:42+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/sales-tax-2/</loc>
		<lastmod>2022-09-27T06:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/transfer-tax-including-stamp-duty-2/</loc>
		<lastmod>2022-09-27T06:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/tax-advantage-6/</loc>
		<lastmod>2022-09-27T06:20:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/tax-tariff-and-trade-4/</loc>
		<lastmod>2022-09-27T06:21:44+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/tax-amortization-benefit-5/</loc>
		<lastmod>2022-09-27T06:22:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/crowding-out-2/</loc>
		<lastmod>2022-09-27T06:22:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/industrial-policy-2/</loc>
		<lastmod>2022-09-27T06:23:37+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/agricultural-policy-2/</loc>
		<lastmod>2022-09-27T06:24:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/currency-union-2/</loc>
		<lastmod>2022-09-27T06:25:02+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monetary-reform-3/</loc>
		<lastmod>2022-09-27T06:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-added-tax-3/</loc>
		<lastmod>2022-09-27T06:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/land-value-tax-2/</loc>
		<lastmod>2022-09-27T06:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/excise-tax/</loc>
		<lastmod>2022-09-27T06:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/use-tax/</loc>
		<lastmod>2022-09-27T06:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/feminist-economics-3/</loc>
		<lastmod>2022-09-27T09:52:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/green-economics-2/</loc>
		<lastmod>2022-09-27T09:53:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/islamic-economics/</loc>
		<lastmod>2022-09-27T09:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/uneconomic-growth-2/</loc>
		<lastmod>2022-09-27T09:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-of-earth-2/</loc>
		<lastmod>2022-09-27T10:29:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-of-life-2/</loc>
		<lastmod>2022-09-27T10:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/actuarial-science-3/</loc>
		<lastmod>2022-09-27T10:31:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/annuities-2/</loc>
		<lastmod>2022-09-27T10:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/catastrophe-modeling/</loc>
		<lastmod>2022-09-27T10:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/earthquake-loss/</loc>
		<lastmod>2022-09-27T10:40:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/extended-coverage/</loc>
		<lastmod>2022-09-27T10:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/insurable-interest/</loc>
		<lastmod>2022-09-27T10:42:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/insurable-risk/</loc>
		<lastmod>2022-09-27T10:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/health-insurance-3/</loc>
		<lastmod>2022-09-27T10:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/disability-insurance/</loc>
		<lastmod>2022-09-27T10:44:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/disability-insurance-2/</loc>
		<lastmod>2022-09-27T10:51:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/flexible-spending-account/</loc>
		<lastmod>2022-09-27T10:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/health-savings-account/</loc>
		<lastmod>2022-09-27T10:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/long-term-care-insurance-2/</loc>
		<lastmod>2022-09-27T10:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/medical-savings-account/</loc>
		<lastmod>2022-09-27T10:54:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/life-insurance/</loc>
		<lastmod>2022-09-27T10:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/life-insurance-tax-shelter/</loc>
		<lastmod>2022-09-27T10:57:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/permanent-life-insurance/</loc>
		<lastmod>2022-09-27T10:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/term-life-insurance/</loc>
		<lastmod>2022-09-27T11:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/universal-life-insurance/</loc>
		<lastmod>2022-09-27T11:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/variable-universal-life-insurance/</loc>
		<lastmod>2022-09-27T11:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/whole-life-insurance/</loc>
		<lastmod>2022-09-27T11:02:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/property-insurance/</loc>
		<lastmod>2022-09-27T11:04:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/auto-insurance/</loc>
		<lastmod>2022-09-27T11:05:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/boiler-insurance/</loc>
		<lastmod>2022-09-27T11:07:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/business-interruption-insurance/</loc>
		<lastmod>2022-09-27T11:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/condo-insurance/</loc>
		<lastmod>2022-09-27T11:08:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/earthquake-insurance/</loc>
		<lastmod>2022-09-27T11:09:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/home-insurance/</loc>
		<lastmod>2022-09-27T11:10:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/title-insurance/</loc>
		<lastmod>2022-09-27T12:28:37+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/pet-insurance/</loc>
		<lastmod>2022-09-27T12:30:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/renters-insurance/</loc>
		<lastmod>2022-09-27T12:31:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/casualty-insurance/</loc>
		<lastmod>2022-09-27T12:32:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fidelity-bond/</loc>
		<lastmod>2022-09-27T12:33:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/liability-insurance/</loc>
		<lastmod>2022-09-27T12:34:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/political-risk-insurance/</loc>
		<lastmod>2022-09-27T12:35:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/surety-bond/</loc>
		<lastmod>2022-09-27T12:36:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/terrorism-insurance/</loc>
		<lastmod>2022-09-27T12:37:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/credit-insurance/</loc>
		<lastmod>2022-09-27T12:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/trade-credit-insurance/</loc>
		<lastmod>2022-09-27T12:39:37+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/payment-protection-insurance/</loc>
		<lastmod>2022-09-27T12:41:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/credit-derivative/</loc>
		<lastmod>2022-09-27T12:42:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/mid-term-adjustment/</loc>
		<lastmod>2022-09-27T12:43:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/reinsurance/</loc>
		<lastmod>2022-09-27T12:44:39+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/self-insurance/</loc>
		<lastmod>2022-09-27T12:45:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/travel-insurance/</loc>
		<lastmod>2022-09-27T12:46:25+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/niche-insurance/</loc>
		<lastmod>2022-09-27T12:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/loss-payee-clause/</loc>
		<lastmod>2022-09-27T12:50:16+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/insurance-contract/</loc>
		<lastmod>2022-09-27T12:51:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/risk-retention-group/</loc>
		<lastmod>2022-09-27T12:53:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/financial-economics-2/</loc>
		<lastmod>2022-09-27T12:54:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monetary-economics-3/</loc>
		<lastmod>2022-09-27T12:56:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/mathematical-economics-3/</loc>
		<lastmod>2022-09-27T12:58:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/managerial-economics-3/</loc>
		<lastmod>2022-09-27T12:58:59+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/economic-growth-theory-2/</loc>
		<lastmod>2022-09-27T13:00:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/decision-theory-5/</loc>
		<lastmod>2022-09-27T13:02:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/game-theory-3/</loc>
		<lastmod>2022-09-27T13:04:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/experimental-economics-3/</loc>
		<lastmod>2022-09-27T13:05:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/behavioral-economics-6/</loc>
		<lastmod>2022-09-27T13:07:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/experimental-finance-2/</loc>
		<lastmod>2022-09-27T13:08:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/behavioral-finance-3/</loc>
		<lastmod>2022-09-27T13:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-theory-2/</loc>
		<lastmod>2022-09-27T13:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-finance-theory-2/</loc>
		<lastmod>2022-09-27T13:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-economics-3/</loc>
		<lastmod>2022-09-27T13:15:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fisher-separation-theorem-3/</loc>
		<lastmod>2022-09-27T13:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/modigliani-miller-theorem-4/</loc>
		<lastmod>2022-09-27T13:18:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/theory-of-the-firm-2/</loc>
		<lastmod>2022-09-27T13:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/the-theory-of-investment-value-4/</loc>
		<lastmod>2022-09-27T13:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/agency-theory-3/</loc>
		<lastmod>2022-09-27T13:22:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/capital-structure-3/</loc>
		<lastmod>2022-09-27T13:56:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-finance-%c2%a7-capitalization-structure/</loc>
		<lastmod>2022-09-27T13:58:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/capital-structure-substitution-theory-2/</loc>
		<lastmod>2022-09-27T13:58:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-timing-hypothesis-2/</loc>
		<lastmod>2022-09-27T14:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/pecking-order-theory-2/</loc>
		<lastmod>2022-09-27T14:02:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/trade-off-theory-of-capital-structure-3/</loc>
		<lastmod>2022-09-27T14:03:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/merton-model-2/</loc>
		<lastmod>2022-09-27T14:05:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/tax-shield-4/</loc>
		<lastmod>2022-09-27T14:07:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dividend-policy-3/</loc>
		<lastmod>2022-09-27T14:08:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-finance-%c2%a7-dividend-policy/</loc>
		<lastmod>2022-09-27T14:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/walter-model-3/</loc>
		<lastmod>2022-09-27T14:11:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/gordon-model-2/</loc>
		<lastmod>2022-09-27T14:12:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/lintner-model-2/</loc>
		<lastmod>2022-09-27T14:14:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/clientele-effect-2/</loc>
		<lastmod>2022-09-27T14:16:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dividend-puzzle-2/</loc>
		<lastmod>2022-09-27T14:18:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/treasury-stock-%c2%a7-buying-back-shares-2/</loc>
		<lastmod>2022-09-27T14:19:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dividend-tax-3/</loc>
		<lastmod>2022-09-27T14:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/capital-budgeting-valuation/</loc>
		<lastmod>2022-09-27T14:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-finance-%c2%a7-investment-and-project-valuation/</loc>
		<lastmod>2022-09-27T14:23:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/clean-surplus-accounting-2/</loc>
		<lastmod>2022-09-27T14:24:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/residual-income-valuation-3/</loc>
		<lastmod>2022-09-27T14:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/economic-value-added-market-value-added/</loc>
		<lastmod>2022-09-27T14:27:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/t-model-2/</loc>
		<lastmod>2022-09-27T14:29:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/adjusted-present-value-2/</loc>
		<lastmod>2022-09-27T14:29:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/penalized-present-value-2/</loc>
		<lastmod>2022-09-27T14:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/expected-commercial-value-2/</loc>
		<lastmod>2022-09-27T14:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-adjusted-net-present-value-3/</loc>
		<lastmod>2022-09-27T14:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/contingent-claim-valuation-2/</loc>
		<lastmod>2022-09-27T14:36:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-options-5/</loc>
		<lastmod>2022-09-27T14:37:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/monte-carlo-methods-2/</loc>
		<lastmod>2022-09-27T14:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-management-8/</loc>
		<lastmod>2022-09-27T14:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-risk-management-%c2%a7-corporate-finance-2/</loc>
		<lastmod>2022-09-27T14:43:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/hedging-irrelevance-proposition-2/</loc>
		<lastmod>2022-09-27T14:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-modeling-3/</loc>
		<lastmod>2022-09-27T14:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-adjusted-return-on-capital-3/</loc>
		<lastmod>2022-09-27T14:48:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asset-pricing-theory-2/</loc>
		<lastmod>2022-09-27T14:50:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asset-pricing/</loc>
		<lastmod>2022-09-27T14:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-economics-2/</loc>
		<lastmod>2022-09-27T14:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fair-value-2/</loc>
		<lastmod>2022-09-27T14:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/intrinsic-value-2/</loc>
		<lastmod>2022-09-27T14:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-price-2/</loc>
		<lastmod>2022-09-27T15:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/expected-value-4/</loc>
		<lastmod>2022-09-27T15:01:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/opportunity-cost-4/</loc>
		<lastmod>2022-09-27T15:02:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-premium-3/</loc>
		<lastmod>2022-09-27T15:03:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equilibrium-price-2/</loc>
		<lastmod>2022-09-27T15:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-efficiency-2/</loc>
		<lastmod>2022-09-27T15:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/economic-equilibrium-2/</loc>
		<lastmod>2022-09-27T15:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rational-expectations-4/</loc>
		<lastmod>2022-09-27T15:09:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-factor-finance-3/</loc>
		<lastmod>2022-09-27T15:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/general-equilibrium-theory-2/</loc>
		<lastmod>2022-09-27T15:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/supply-and-demand-3/</loc>
		<lastmod>2022-09-27T15:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-free-price-2/</loc>
		<lastmod>2022-09-27T15:22:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-neutral-valuation-3/</loc>
		<lastmod>2022-09-27T15:25:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/brownian-model-of-financial-markets-2/</loc>
		<lastmod>2022-09-27T15:30:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/complete-market-incomplete-markets-2/</loc>
		<lastmod>2022-09-27T15:31:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-aversion-3/</loc>
		<lastmod>2022-09-27T15:33:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/expected-utility-hypothesis-3/</loc>
		<lastmod>2022-09-27T15:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/generalized-expected-utility-3/</loc>
		<lastmod>2022-09-27T15:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/efficient-frontier-2/</loc>
		<lastmod>2022-09-27T15:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/production-possibility-frontier-4/</loc>
		<lastmod>2022-09-27T15:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/allocative-efficiency-3/</loc>
		<lastmod>2022-09-27T15:47:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/pareto-efficiency-4/</loc>
		<lastmod>2022-09-27T18:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/productive-efficiency-3/</loc>
		<lastmod>2022-09-27T18:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/state-prices-2/</loc>
		<lastmod>2022-09-27T18:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arrow-debreu-model-2/</loc>
		<lastmod>2022-09-27T18:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stochastic-discount-factor-3/</loc>
		<lastmod>2022-09-27T18:15:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arrow-debreu-model-%c2%a7-economics-of-uncertainty-insurance-and-finance/</loc>
		<lastmod>2022-09-27T18:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/state-prices-%c2%a7-application-to-financial-assets-2/</loc>
		<lastmod>2022-09-27T18:43:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fundamental-theorem-of-asset-pricing-2/</loc>
		<lastmod>2022-09-27T18:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rational-pricing-3/</loc>
		<lastmod>2022-09-27T18:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-free-2/</loc>
		<lastmod>2022-09-27T18:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/no-free-lunch-with-vanishing-risk-2/</loc>
		<lastmod>2022-09-27T19:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/self-financing-portfolio-3/</loc>
		<lastmod>2022-09-27T19:40:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stochastic-dominance-4/</loc>
		<lastmod>2022-09-27T19:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/marginal-conditional-stochastic-dominance-3/</loc>
		<lastmod>2022-09-27T19:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/martingale-pricing-2/</loc>
		<lastmod>2022-09-27T19:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/brownian-model-of-financial-markets-3/</loc>
		<lastmod>2022-09-27T19:44:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/random-walk-hypothesis-4/</loc>
		<lastmod>2022-09-27T19:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-neutral-measure-4/</loc>
		<lastmod>2022-09-28T06:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/martingale-probability-theory-3/</loc>
		<lastmod>2022-09-28T06:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/sigma-martingale-3/</loc>
		<lastmod>2022-09-28T06:08:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/semimartingale-3/</loc>
		<lastmod>2022-09-28T06:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/quantum-finance-2/</loc>
		<lastmod>2022-09-28T06:09:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asset-pricing-models/</loc>
		<lastmod>2022-09-28T06:10:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equilibrium-pricing/</loc>
		<lastmod>2022-09-28T06:10:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equities-foreign-exchange-and-commodities/</loc>
		<lastmod>2022-09-28T06:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/capital-asset-pricing-model-4/</loc>
		<lastmod>2022-09-28T06:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/consumption-based-capm/</loc>
		<lastmod>2022-09-28T06:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/intertemporal-capm/</loc>
		<lastmod>2022-09-28T06:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/single-index-model-3/</loc>
		<lastmod>2022-09-28T06:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/multiple-factor-models/</loc>
		<lastmod>2022-09-28T06:15:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fama-french-three-factor-model-2/</loc>
		<lastmod>2022-09-28T06:21:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/carhart-four-factor-model-2/</loc>
		<lastmod>2022-09-28T06:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-pricing-theory-4/</loc>
		<lastmod>2022-09-28T06:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/vasicek/</loc>
		<lastmod>2022-09-28T06:25:54+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/rendleman-bartter/</loc>
		<lastmod>2022-09-28T06:26:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cox-ingersoll-ross/</loc>
		<lastmod>2022-09-28T06:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/carhart-four-factor-model-3/</loc>
		<lastmod>2022-09-28T11:39:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-pricing-theory-5/</loc>
		<lastmod>2022-09-28T11:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/vasicek-2/</loc>
		<lastmod>2022-09-28T11:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rendleman-bartter-2/</loc>
		<lastmod>2022-09-28T11:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cox-ingersoll-ross-2/</loc>
		<lastmod>2022-09-28T11:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-black-scholes/</loc>
		<lastmod>2022-09-28T11:45:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-black/</loc>
		<lastmod>2022-09-28T11:46:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/garman-kohlhagen/</loc>
		<lastmod>2022-09-28T11:47:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/heston/</loc>
		<lastmod>2022-09-28T11:48:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cev/</loc>
		<lastmod>2022-09-28T11:49:55+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/sabr/</loc>
		<lastmod>2022-09-28T11:50:46+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/ho-lee/</loc>
		<lastmod>2022-09-28T11:51:44+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hull-white/</loc>
		<lastmod>2022-09-28T11:53:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-derman-toy/</loc>
		<lastmod>2022-09-28T11:54:25+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-karasinski/</loc>
		<lastmod>2022-09-28T11:55:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/longstaff-schwartz/</loc>
		<lastmod>2022-09-28T11:57:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/chen/</loc>
		<lastmod>2022-09-28T11:58:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/rendleman-bartter-3/</loc>
		<lastmod>2022-09-28T12:01:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/heath-jarrow-morton/</loc>
		<lastmod>2022-09-28T12:02:54+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cheyette/</loc>
		<lastmod>2022-09-28T12:04:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/brace-gatarek-musiela/</loc>
		<lastmod>2022-09-28T12:05:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/rendleman-bartter-4/</loc>
		<lastmod>2022-09-28T13:52:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/heath-jarrow-morton-2/</loc>
		<lastmod>2022-09-28T13:53:46+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cheyette-2/</loc>
		<lastmod>2022-09-28T13:54:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/libor-market-model/</loc>
		<lastmod>2022-09-28T13:55:50+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/brace-gatarek-musiela-2/</loc>
		<lastmod>2022-09-28T13:56:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/present-value-3/</loc>
		<lastmod>2022-09-28T13:57:43+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/future-value-3/</loc>
		<lastmod>2022-09-28T13:58:43+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/discounting-3/</loc>
		<lastmod>2022-09-28T13:59:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/net-present-value-3/</loc>
		<lastmod>2022-09-28T14:00:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/internal-rate-of-return-2/</loc>
		<lastmod>2022-09-28T14:01:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/annuity-3/</loc>
		<lastmod>2022-09-28T14:02:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/perpetuity-3/</loc>
		<lastmod>2022-09-28T14:03:30+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/time-value-of-money-6/</loc>
		<lastmod>2022-09-28T14:04:16+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/probability-5/</loc>
		<lastmod>2022-09-28T14:05:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/probability-distribution-5/</loc>
		<lastmod>2022-09-28T14:06:11+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/binomial-distribution-2/</loc>
		<lastmod>2022-09-28T14:07:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/log-normal-distribution-3/</loc>
		<lastmod>2022-09-28T14:08:21+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/poisson-distribution-3/</loc>
		<lastmod>2022-09-28T14:09:25+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/stochastic-calculus-3/</loc>
		<lastmod>2022-09-28T14:10:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cameron-martin-theorem/</loc>
		<lastmod>2022-09-28T14:13:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/feynman-kac-formula/</loc>
		<lastmod>2022-09-28T14:14:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/girsanovs-theorem-2/</loc>
		<lastmod>2022-09-28T14:15:48+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/martingale-representation-theorem-3/</loc>
		<lastmod>2022-09-28T14:19:29+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/radon-nikodym-derivative/</loc>
		<lastmod>2022-09-28T14:20:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/stochastic-differential-equations/</loc>
		<lastmod>2022-09-28T14:21:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/stochastic-process-3/</loc>
		<lastmod>2022-09-28T14:22:25+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/jump-process/</loc>
		<lastmod>2022-09-28T14:24:58+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/markov-process-3/</loc>
		<lastmod>2022-09-28T14:26:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/ornstein-uhlenbeck-process-2/</loc>
		<lastmod>2022-09-28T14:28:10+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/wiener-process-4/</loc>
		<lastmod>2022-09-28T14:28:56+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monte-carlo-methods-3/</loc>
		<lastmod>2022-09-28T14:30:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/low-discrepancy-sequence/</loc>
		<lastmod>2022-09-28T14:31:54+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monte-carlo-integration-2/</loc>
		<lastmod>2022-09-28T14:33:26+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/quasi-monte-carlo-method/</loc>
		<lastmod>2022-09-28T14:34:47+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/random-number-generation-2/</loc>
		<lastmod>2022-09-28T14:37:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/partial-differential-equations/</loc>
		<lastmod>2022-09-28T14:38:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/finite-difference-method/</loc>
		<lastmod>2022-09-28T14:39:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/numerical-partial-differential-equations/</loc>
		<lastmod>2022-09-28T14:40:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/crank-nicolson-method/</loc>
		<lastmod>2022-09-28T14:40:55+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/finite-difference-method-numerical-analysis/</loc>
		<lastmod>2022-09-28T14:42:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/volatility-5/</loc>
		<lastmod>2022-09-28T14:42:53+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/stochastic-volatility/</loc>
		<lastmod>2022-09-28T14:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stochastic-volatility-jump/</loc>
		<lastmod>2022-09-28T14:46:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/derivatives-pricing/</loc>
		<lastmod>2022-09-28T14:47:52+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/derivative-finance/</loc>
		<lastmod>2022-09-28T14:49:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/risk-neutral-measure-5/</loc>
		<lastmod>2022-09-28T14:55:10+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/martingale-pricing-3/</loc>
		<lastmod>2022-09-28T14:57:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/forward-contract-2/</loc>
		<lastmod>2022-09-28T14:58:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/forward-contract-pricing/</loc>
		<lastmod>2022-09-28T14:58:48+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/futures-contract-pricing/</loc>
		<lastmod>2022-09-28T15:01:00+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/options-incl-real-options-and-esos/</loc>
		<lastmod>2022-09-28T15:02:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/valuation-of-options/</loc>
		<lastmod>2022-09-28T15:03:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-scholes-formula/</loc>
		<lastmod>2022-09-28T15:04:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/approximations-for-american-options/</loc>
		<lastmod>2022-09-28T15:04:46+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/barone-adesi-and-whaley/</loc>
		<lastmod>2022-09-28T15:06:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bjerksund-and-stensland/</loc>
		<lastmod>2022-09-28T15:07:02+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/blacks-approximation/</loc>
		<lastmod>2022-09-28T15:08:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/optimal-stopping-2/</loc>
		<lastmod>2022-09-28T15:09:09+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-model/</loc>
		<lastmod>2022-09-28T15:10:46+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/binomial-options-model/</loc>
		<lastmod>2022-09-28T15:11:32+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/finite-difference-methods-for-option-pricing/</loc>
		<lastmod>2022-09-28T15:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/garman-kohlhagen-model/</loc>
		<lastmod>2022-09-28T15:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/lattice-model-finance/</loc>
		<lastmod>2022-09-28T15:15:35+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/margrabes-formula/</loc>
		<lastmod>2022-09-28T15:16:57+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monte-carlo-methods-for-option-pricing-2/</loc>
		<lastmod>2022-09-28T15:17:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/quasi-monte-carlo-methods-in-finance/</loc>
		<lastmod>2022-09-28T15:19:36+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/monte-carlo-methods-in-finance-2/</loc>
		<lastmod>2022-09-28T15:20:17+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/least-square-monte-carlo-for-american-options/</loc>
		<lastmod>2022-09-28T15:21:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/trinomial-tree/</loc>
		<lastmod>2022-09-28T15:23:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/implied-volatility/</loc>
		<lastmod>2022-09-28T15:24:35+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/historical-volatility/</loc>
		<lastmod>2022-09-28T15:26:16+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/volatility-smile-volatility-surface/</loc>
		<lastmod>2022-09-28T15:27:08+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/constant-elasticity-of-variance-model/</loc>
		<lastmod>2022-09-28T15:28:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/heston-model-2/</loc>
		<lastmod>2022-09-28T15:29:17+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/sabr-volatility-model/</loc>
		<lastmod>2022-09-28T15:30:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/local-volatility/</loc>
		<lastmod>2022-09-28T15:31:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/implied-binomial-tree/</loc>
		<lastmod>2022-09-28T15:32:08+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/implied-trinomial-tree/</loc>
		<lastmod>2022-09-28T15:33:25+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/edgeworth-binomial-tree/</loc>
		<lastmod>2022-09-28T15:34:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/johnson-binomial-tree/</loc>
		<lastmod>2022-09-28T15:35:13+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/swaps/</loc>
		<lastmod>2022-09-28T15:36:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/swap-valuation/</loc>
		<lastmod>2022-09-28T15:38:29+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/asset-swap-%c2%a7-computing-the-asset-swap-spread/</loc>
		<lastmod>2022-09-28T15:39:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/credit-default-swap-%c2%a7-pricing-and-valuation/</loc>
		<lastmod>2022-09-28T15:41:04+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/currency-swap-%c2%a7-valuation-and-pricing/</loc>
		<lastmod>2022-09-28T15:41:59+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/interest-rate-swap-%c2%a7-valuation-and-pricing/</loc>
		<lastmod>2022-09-28T15:43:23+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/multi-curve-framework/</loc>
		<lastmod>2022-09-28T15:44:27+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/variance-swap-%c2%a7-pricing-and-valuation/</loc>
		<lastmod>2022-09-28T15:45:14+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/interest-rate-derivatives/</loc>
		<lastmod>2022-09-28T15:46:08+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/caps-and-floors/</loc>
		<lastmod>2022-09-28T15:47:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bond-options/</loc>
		<lastmod>2022-09-28T15:49:34+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/short-rate-models/</loc>
		<lastmod>2022-09-28T15:53:33+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/specialized-simulation-models/</loc>
		<lastmod>2022-09-28T15:54:55+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/vasicek-model-5/</loc>
		<lastmod>2022-09-28T15:56:22+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hull-white-model-2/</loc>
		<lastmod>2022-09-28T15:57:21+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/cox-ingersoll-ross-model-4/</loc>
		<lastmod>2022-09-28T15:58:31+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-karasinski-model/</loc>
		<lastmod>2022-09-28T15:59:49+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/black-derman-toy-model-3/</loc>
		<lastmod>2022-09-28T16:01:02+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/kalotay-williams-fabozzi-model/</loc>
		<lastmod>2022-09-28T16:01:51+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/longstaff-schwartz-model-2/</loc>
		<lastmod>2022-09-28T16:03:02+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/chen-model-3/</loc>
		<lastmod>2022-09-28T16:04:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/forward-rate-forward-curve/</loc>
		<lastmod>2022-09-28T16:05:17+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/libor-market-model-2/</loc>
		<lastmod>2022-09-28T16:06:24+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/brace-gatarek-musiela-model-bgm/</loc>
		<lastmod>2022-09-28T16:08:03+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/heath-jarrow-morton-model-hjm/</loc>
		<lastmod>2022-09-28T16:09:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cheyette-model/</loc>
		<lastmod>2022-09-28T16:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/credit-valuation-adjustment/</loc>
		<lastmod>2022-09-29T10:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/xva/</loc>
		<lastmod>2022-09-29T10:50:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/yield-curve-modelling/</loc>
		<lastmod>2022-09-29T10:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/multi-curve-framework-2/</loc>
		<lastmod>2022-09-29T10:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bootstrapping-finance/</loc>
		<lastmod>2022-09-29T10:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/yield-curve-%c2%a7-construction-of-the-full-yield-curve-from-market-data/</loc>
		<lastmod>2022-09-29T10:53:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fixed-income-attribution-%c2%a7-modeling-the-yield-curve/</loc>
		<lastmod>2022-09-29T10:54:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/nelson-siegel/</loc>
		<lastmod>2022-09-29T10:56:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/principal-component-analysis-%c2%a7-quantitative-finance/</loc>
		<lastmod>2022-09-29T10:57:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/mertons-portfolio-problem-2/</loc>
		<lastmod>2022-09-29T10:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/kelly-criterion-3/</loc>
		<lastmod>2022-09-29T11:03:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/roys-safety-first-criterion-2/</loc>
		<lastmod>2022-09-29T11:05:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/modern-portfolio-theory-5/</loc>
		<lastmod>2022-09-29T11:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/quantitative-investing-2/</loc>
		<lastmod>2022-09-29T11:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/black-litterman-model-2/</loc>
		<lastmod>2022-09-29T11:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/universal-portfolio-algorithm-3/</loc>
		<lastmod>2022-09-29T11:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/markowitz-model-2/</loc>
		<lastmod>2022-09-29T11:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/treynor-black-model-3/</loc>
		<lastmod>2022-09-29T11:14:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-markets-2/</loc>
		<lastmod>2022-09-29T11:15:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/capital-markets-2/</loc>
		<lastmod>2022-09-29T11:16:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/securities-5/</loc>
		<lastmod>2022-09-29T11:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-markets-3/</loc>
		<lastmod>2022-09-29T11:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/primary-market-2/</loc>
		<lastmod>2022-09-29T11:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/initial-public-offering-4/</loc>
		<lastmod>2022-09-29T11:28:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/aftermarket-2/</loc>
		<lastmod>2022-09-29T11:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/free-market-3/</loc>
		<lastmod>2022-09-29T11:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bull-market-2/</loc>
		<lastmod>2022-09-29T11:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bear-market-2/</loc>
		<lastmod>2022-09-29T11:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bear-market-rally-2/</loc>
		<lastmod>2022-09-29T11:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-maker-2/</loc>
		<lastmod>2022-09-29T11:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dow-jones-industrial-average-2/</loc>
		<lastmod>2022-09-29T11:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/nasdaq/</loc>
		<lastmod>2022-09-29T11:35:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-line-composite-index-3/</loc>
		<lastmod>2022-09-29T11:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-market-2/</loc>
		<lastmod>2022-09-29T11:37:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-market-2/</loc>
		<lastmod>2022-09-29T11:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-3/</loc>
		<lastmod>2022-09-29T11:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/common-stock-3/</loc>
		<lastmod>2022-09-29T11:39:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/preferred-stock-2/</loc>
		<lastmod>2022-09-29T11:40:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/treasury-stock-3/</loc>
		<lastmod>2022-09-29T11:41:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-investment-2/</loc>
		<lastmod>2022-09-29T11:42:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/index-investing-2/</loc>
		<lastmod>2022-09-29T11:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/private-equity-2/</loc>
		<lastmod>2022-09-29T11:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-reports-and-statements-2/</loc>
		<lastmod>2022-09-29T12:04:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fundamental-analysis-3/</loc>
		<lastmod>2022-09-29T12:05:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dividend-4/</loc>
		<lastmod>2022-09-29T12:05:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dividend-yield-3/</loc>
		<lastmod>2022-09-29T12:06:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-split-2/</loc>
		<lastmod>2022-09-29T12:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-valuation-2/</loc>
		<lastmod>2022-09-29T12:07:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dow-theory-2/</loc>
		<lastmod>2022-09-29T12:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/elliott-wave-principle-2/</loc>
		<lastmod>2022-09-29T12:09:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/economic-value-added-2/</loc>
		<lastmod>2022-09-29T12:10:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fibonacci-retracement-2/</loc>
		<lastmod>2022-09-29T12:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/gordon-model-3/</loc>
		<lastmod>2022-09-29T12:13:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/growth-stock-2/</loc>
		<lastmod>2022-09-29T12:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/peg-ratio-2/</loc>
		<lastmod>2022-09-29T12:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/pvgo/</loc>
		<lastmod>2022-09-29T12:16:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/mergers-and-acquisitions-3/</loc>
		<lastmod>2022-09-29T12:17:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/leveraged-buyout-2/</loc>
		<lastmod>2022-09-29T12:18:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/takeover-3/</loc>
		<lastmod>2022-09-29T12:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-raid-3/</loc>
		<lastmod>2022-09-29T12:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/pe-ratio-2/</loc>
		<lastmod>2022-09-29T12:20:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-capitalization/</loc>
		<lastmod>2022-09-29T12:22:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/income-per-share-2/</loc>
		<lastmod>2022-09-29T12:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-valuation-4/</loc>
		<lastmod>2022-09-29T12:23:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/technical-analysis-5/</loc>
		<lastmod>2022-09-29T12:24:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chart-patterns-2/</loc>
		<lastmod>2022-09-29T12:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/v-trend-2/</loc>
		<lastmod>2022-09-29T12:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/paper-valuation-2/</loc>
		<lastmod>2022-09-29T12:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/investment-theory-2/</loc>
		<lastmod>2022-09-29T12:29:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/behavioral-finance-4/</loc>
		<lastmod>2022-09-29T12:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dead-cat-bounce-2/</loc>
		<lastmod>2022-09-29T12:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/efficient-market-hypothesis-3/</loc>
		<lastmod>2022-09-29T12:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-microstructure-2/</loc>
		<lastmod>2022-09-29T12:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-market-crash-3/</loc>
		<lastmod>2022-09-29T12:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-market-bubble/</loc>
		<lastmod>2022-09-29T12:37:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/january-effect/</loc>
		<lastmod>2022-09-29T12:37:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/mark-twain-effect/</loc>
		<lastmod>2022-09-29T12:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/quantitative-behavioral-finance-3/</loc>
		<lastmod>2022-09-29T12:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/quantitative-analysis-finance-2/</loc>
		<lastmod>2022-09-29T12:39:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/statistical-arbitrage-3/</loc>
		<lastmod>2022-09-29T12:41:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-market-2/</loc>
		<lastmod>2022-09-29T12:53:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/zero-coupon-bond-3/</loc>
		<lastmod>2022-09-29T12:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/junk-bonds-2/</loc>
		<lastmod>2022-09-29T12:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/convertible-bond-2/</loc>
		<lastmod>2022-09-29T12:57:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/accrual-bond-2/</loc>
		<lastmod>2022-09-29T13:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/municipal-bond/</loc>
		<lastmod>2022-09-29T13:01:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/sovereign-bond-4/</loc>
		<lastmod>2022-09-29T13:04:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-valuation-2/</loc>
		<lastmod>2022-09-29T13:05:18+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/yield-to-maturity-3/</loc>
		<lastmod>2022-09-29T13:12:42+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bond-duration-2/</loc>
		<lastmod>2022-09-29T13:14:01+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bond-convexity-2/</loc>
		<lastmod>2022-09-29T13:46:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fixed-income-2/</loc>
		<lastmod>2022-09-29T15:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/money-market-2/</loc>
		<lastmod>2022-09-29T15:42:19+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/repurchase-agreement-3/</loc>
		<lastmod>2022-09-29T15:43:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/international-money-market-2/</loc>
		<lastmod>2022-09-29T15:43:37+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/exchange-rate/</loc>
		<lastmod>2022-09-29T15:44:15+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/international-currency-codes/</loc>
		<lastmod>2022-09-29T15:44:48+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/table-of-historical-exchange-rates/</loc>
		<lastmod>2022-09-29T15:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/commodity-market-2/</loc>
		<lastmod>2022-09-29T15:46:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/commodity-futures-trading-commission-2/</loc>
		<lastmod>2022-09-29T15:47:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/commodity-trade-2/</loc>
		<lastmod>2022-09-29T15:48:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/drawdowns-2/</loc>
		<lastmod>2022-09-29T15:49:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forfaiting-in-finance/</loc>
		<lastmod>2022-09-29T15:53:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fundamental-analysis-4/</loc>
		<lastmod>2022-09-29T15:53:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/futures-contract/</loc>
		<lastmod>2022-09-29T15:54:20+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/fungibility-2/</loc>
		<lastmod>2022-09-29T17:31:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/gold-as-an-investment-3/</loc>
		<lastmod>2022-09-29T17:32:07+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/hedging-2/</loc>
		<lastmod>2022-09-29T17:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/jesse-lauriston-livermore-2/</loc>
		<lastmod>2022-09-29T17:40:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/list-of-traded-commodities-2/</loc>
		<lastmod>2022-09-29T17:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/ownership-equity-2/</loc>
		<lastmod>2022-09-29T17:43:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/position-trader-3/</loc>
		<lastmod>2022-09-29T17:45:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-futures-2/</loc>
		<lastmod>2022-09-29T17:51:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/seasonal-traders-3/</loc>
		<lastmod>2022-09-29T18:08:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/seasonal-spread-trading-3/</loc>
		<lastmod>2022-09-29T18:09:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/slippage-3/</loc>
		<lastmod>2022-09-29T18:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/speculation-3/</loc>
		<lastmod>2022-09-29T18:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/spread-trade-4/</loc>
		<lastmod>2022-09-29T18:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/technical-analysis-6/</loc>
		<lastmod>2022-09-29T18:21:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bear-market-3/</loc>
		<lastmod>2022-09-29T18:22:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/breakout-2/</loc>
		<lastmod>2022-09-29T18:23:45+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bottom-technical-analysis-2/</loc>
		<lastmod>2022-09-29T18:24:21+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/bull-market-3/</loc>
		<lastmod>2022-09-29T18:25:57+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/macd-2/</loc>
		<lastmod>2022-09-29T18:27:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/moving-average-3/</loc>
		<lastmod>2022-09-29T18:28:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/open-interest-2/</loc>
		<lastmod>2022-09-29T18:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/parabolic-sar/</loc>
		<lastmod>2022-09-29T18:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/point-and-figure-charts-2/</loc>
		<lastmod>2022-09-29T18:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/resistance/</loc>
		<lastmod>2022-09-29T18:34:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rsi/</loc>
		<lastmod>2022-09-29T18:37:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stochastic-oscillator-3/</loc>
		<lastmod>2022-09-29T18:41:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stop-loss-2/</loc>
		<lastmod>2022-09-29T18:42:41+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/support/</loc>
		<lastmod>2022-09-29T18:44:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/top-technical-analysis/</loc>
		<lastmod>2022-09-29T18:48:06+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/trade-4/</loc>
		<lastmod>2022-09-29T18:53:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/trend/</loc>
		<lastmod>2022-09-29T18:54:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/derivatives-market/</loc>
		<lastmod>2022-09-29T18:55:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/derivative-finance-2/</loc>
		<lastmod>2022-09-29T18:57:53+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/forward-market/</loc>
		<lastmod>2022-09-29T18:59:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forward-contract-3/</loc>
		<lastmod>2022-09-29T19:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/futures-market/</loc>
		<lastmod>2022-09-29T19:01:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/backwardation-2/</loc>
		<lastmod>2022-09-29T19:02:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/contango/</loc>
		<lastmod>2022-09-29T19:04:12+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/currency-future/</loc>
		<lastmod>2022-09-29T19:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-future/</loc>
		<lastmod>2022-09-29T19:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/single-stock-futures/</loc>
		<lastmod>2022-09-29T19:15:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-market-index-future/</loc>
		<lastmod>2022-09-29T19:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/futures-exchange/</loc>
		<lastmod>2022-09-29T19:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/options-2/</loc>
		<lastmod>2022-09-29T19:19:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-option/</loc>
		<lastmod>2022-09-29T19:20:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/box-spread/</loc>
		<lastmod>2022-09-29T19:21:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/call-option/</loc>
		<lastmod>2022-09-29T19:23:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/put-option/</loc>
		<lastmod>2022-09-29T19:27:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/strike-price/</loc>
		<lastmod>2022-09-29T19:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/put-call-parity/</loc>
		<lastmod>2022-09-29T19:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/option-time-value/</loc>
		<lastmod>2022-09-29T19:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/moneyness/</loc>
		<lastmod>2022-09-29T19:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/at-the-money/</loc>
		<lastmod>2022-09-29T19:33:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/in-the-money/</loc>
		<lastmod>2022-09-29T19:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/out-of-the-money/</loc>
		<lastmod>2022-09-29T19:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/option-style/</loc>
		<lastmod>2022-09-29T19:42:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/binary-option/</loc>
		<lastmod>2022-09-29T19:44:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/european-option/</loc>
		<lastmod>2022-09-29T19:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-floor/</loc>
		<lastmod>2022-09-29T19:49:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-cap/</loc>
		<lastmod>2022-09-29T19:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bermudan-option/</loc>
		<lastmod>2022-09-29T19:57:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/american-option/</loc>
		<lastmod>2022-09-29T19:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/quanto-option/</loc>
		<lastmod>2022-09-29T19:58:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asian-option/</loc>
		<lastmod>2022-09-29T20:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/employee-stock-option-3/</loc>
		<lastmod>2022-09-29T20:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/warrants/</loc>
		<lastmod>2022-09-29T20:04:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-option/</loc>
		<lastmod>2022-09-29T20:05:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-options/</loc>
		<lastmod>2022-09-29T20:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-options-2/</loc>
		<lastmod>2022-09-29T20:07:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-options-6/</loc>
		<lastmod>2022-09-29T20:08:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/options-on-futures/</loc>
		<lastmod>2022-09-29T20:09:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/swap-finance/</loc>
		<lastmod>2022-09-29T20:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-swap/</loc>
		<lastmod>2022-09-29T20:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/basis-swap/</loc>
		<lastmod>2022-09-29T20:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asset-swap/</loc>
		<lastmod>2022-09-29T20:14:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forex-swap/</loc>
		<lastmod>2022-09-29T20:15:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-swap/</loc>
		<lastmod>2022-09-29T20:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-swap/</loc>
		<lastmod>2022-09-29T20:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/currency-swap/</loc>
		<lastmod>2022-09-29T20:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/variance-swap/</loc>
		<lastmod>2022-09-29T20:19:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/swap-market/</loc>
		<lastmod>2022-09-29T20:20:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-derivative/</loc>
		<lastmod>2022-09-29T20:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/contract-for-difference-cfd/</loc>
		<lastmod>2022-09-29T20:22:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/exchange-traded-fund-etf/</loc>
		<lastmod>2022-09-29T20:23:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/closed-end-fund-3/</loc>
		<lastmod>2022-09-29T20:24:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/inverse-exchange-traded-fund/</loc>
		<lastmod>2022-09-29T20:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-options/</loc>
		<lastmod>2022-09-29T20:26:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-estate-investment-trust-reit/</loc>
		<lastmod>2022-09-29T21:40:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/covered-warrant/</loc>
		<lastmod>2022-09-29T21:42:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/libor-2/</loc>
		<lastmod>2022-09-29T21:45:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forward-rate-agreement/</loc>
		<lastmod>2022-09-29T21:46:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/exotic-interest-rate-option/</loc>
		<lastmod>2022-09-29T21:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/money-market-instruments/</loc>
		<lastmod>2022-09-29T21:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/range-accrual-swaps-notes-bonds/</loc>
		<lastmod>2022-09-29T21:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/in-arrears-swap/</loc>
		<lastmod>2022-09-29T21:51:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/constant-maturity-swap-cms-derivatives/</loc>
		<lastmod>2022-09-29T21:52:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-swaption/</loc>
		<lastmod>2022-09-29T21:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bermudan-swaptions/</loc>
		<lastmod>2022-09-29T21:55:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cross-currency-swaptions/</loc>
		<lastmod>2022-09-29T21:55:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-estate-investment-trust-reit-2/</loc>
		<lastmod>2022-09-30T09:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/covered-warrant-2/</loc>
		<lastmod>2022-09-30T09:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/libor-3/</loc>
		<lastmod>2022-09-30T09:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forward-rate-agreement-2/</loc>
		<lastmod>2022-09-30T09:02:35+00:00</lastmod>
	</url>
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		<loc>https://zaviad.com/explainer/exotic-interest-rate-option-2/</loc>
		<lastmod>2022-09-30T09:03:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/money-market-instruments-2/</loc>
		<lastmod>2022-09-30T09:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/range-accrual-swaps-notes-bonds-2/</loc>
		<lastmod>2022-09-30T09:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/in-arrears-swap-2/</loc>
		<lastmod>2022-09-30T09:06:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/constant-maturity-swap-cms-derivatives-2/</loc>
		<lastmod>2022-09-30T09:08:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/interest-rate-swaption-2/</loc>
		<lastmod>2022-09-30T09:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bermudan-swaptions-2/</loc>
		<lastmod>2022-09-30T09:10:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cross-currency-swaptions-2/</loc>
		<lastmod>2022-09-30T09:11:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/power-reverse-dual-currency-note-prdc-or-turbo/</loc>
		<lastmod>2022-09-30T09:11:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/target-redemption-note-tarn/</loc>
		<lastmod>2022-09-30T09:12:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cms-steepener/</loc>
		<lastmod>2022-09-30T09:13:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/snowball-in-finance/</loc>
		<lastmod>2022-09-30T09:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/inverse-floater/</loc>
		<lastmod>2022-09-30T09:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/strips-of-collateralized-mortgage-obligation/</loc>
		<lastmod>2022-09-30T09:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/ratchet-caps-and-floors/</loc>
		<lastmod>2022-09-30T09:17:36+00:00</lastmod>
	</url>
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		<loc>https://zaviad.com/explainer/constant-treasury-swap-cts-derivatives/</loc>
		<lastmod>2022-09-30T09:18:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/credit-default-swap/</loc>
		<lastmod>2022-09-30T09:19:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/collateralized-debt-obligation/</loc>
		<lastmod>2022-09-30T09:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/credit-default-option/</loc>
		<lastmod>2022-09-30T09:21:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/total-return-swap/</loc>
		<lastmod>2022-09-30T09:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/securitization/</loc>
		<lastmod>2022-09-30T09:22:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/strip-financing/</loc>
		<lastmod>2022-09-30T09:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/basis-swap-2/</loc>
		<lastmod>2022-09-30T09:23:40+00:00</lastmod>
	</url>
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		<loc>https://zaviad.com/explainer/currency-future-2/</loc>
		<lastmod>2022-09-30T09:24:59+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/currency-swap-2/</loc>
		<lastmod>2022-09-30T09:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-binary-option/</loc>
		<lastmod>2022-09-30T09:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-forward/</loc>
		<lastmod>2022-09-30T09:26:46+00:00</lastmod>
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		<loc>https://zaviad.com/explainer/foreign-exchange-option-2/</loc>
		<lastmod>2022-09-30T09:27:29+00:00</lastmod>
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	<url>
		<loc>https://zaviad.com/explainer/forward-exchange-rate/</loc>
		<lastmod>2022-09-30T09:27:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-swap/</loc>
		<lastmod>2022-09-30T09:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/foreign-exchange-hedge/</loc>
		<lastmod>2022-09-30T09:29:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/non-deliverable-forward/</loc>
		<lastmod>2022-09-30T09:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/power-reverse-dual-currency-note/</loc>
		<lastmod>2022-09-30T09:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-governance-6/</loc>
		<lastmod>2022-09-30T09:31:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-regulation-2/</loc>
		<lastmod>2022-09-30T09:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bank-regulation/</loc>
		<lastmod>2022-09-30T09:32:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/banking-license/</loc>
		<lastmod>2022-09-30T09:33:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/certified-financial-planner/</loc>
		<lastmod>2022-09-30T09:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chartered-financial-analyst/</loc>
		<lastmod>2022-09-30T09:34:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cfa-institute/</loc>
		<lastmod>2022-09-30T09:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chartered-alternative-investment-analyst/</loc>
		<lastmod>2022-09-30T09:35:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/professional-risk-manager/</loc>
		<lastmod>2022-09-30T09:36:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chartered-financial-consultant/</loc>
		<lastmod>2022-09-30T09:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/canadian-securities-institute/</loc>
		<lastmod>2022-09-30T09:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/independent-financial-adviser/</loc>
		<lastmod>2022-09-30T09:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chartered-insurance-institute/</loc>
		<lastmod>2022-09-30T09:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-risk-manager/</loc>
		<lastmod>2022-09-30T09:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/chartered-market-technician/</loc>
		<lastmod>2022-09-30T09:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/certified-financial-technician/</loc>
		<lastmod>2022-09-30T09:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forex-scam/</loc>
		<lastmod>2022-09-30T09:44:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/insider-trading-2/</loc>
		<lastmod>2022-09-30T09:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/legal-origins-theory-2/</loc>
		<lastmod>2022-09-30T09:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/time-value-of-money-7/</loc>
		<lastmod>2022-09-30T09:52:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/petition-mill/</loc>
		<lastmod>2022-09-30T09:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/ponzi-scheme/</loc>
		<lastmod>2022-09-30T09:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/liabilities-subject-to-compromise/</loc>
		<lastmod>2022-09-30T09:54:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/forex-scam-2/</loc>
		<lastmod>2022-09-30T09:54:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/insider-trading-3/</loc>
		<lastmod>2022-09-30T09:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/legal-origins-theory-3/</loc>
		<lastmod>2022-09-30T09:58:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/petition-mill-2/</loc>
		<lastmod>2022-09-30T10:33:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/international-swaps-and-derivatives-association/</loc>
		<lastmod>2022-09-30T10:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/national-association-of-securities-dealers/</loc>
		<lastmod>2022-09-30T10:35:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bank-for-international-settlements/</loc>
		<lastmod>2022-09-30T10:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/international-organization-of-securities-commissions/</loc>
		<lastmod>2022-09-30T10:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/security-commission/</loc>
		<lastmod>2022-09-30T10:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/basel-committee-on-banking-supervision/</loc>
		<lastmod>2022-09-30T10:42:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/international-association-of-insurance-supervisors/</loc>
		<lastmod>2022-09-30T10:43:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/international-accounting-standards-board-2/</loc>
		<lastmod>2022-09-30T10:43:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/european-securities-committee-eu/</loc>
		<lastmod>2022-09-30T10:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/committee-of-european-securities-regulators-eu/</loc>
		<lastmod>2022-09-30T10:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/financial-conduct-authority/</loc>
		<lastmod>2022-09-30T10:48:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/prudential-regulation-authority-united-kingdom/</loc>
		<lastmod>2022-09-30T10:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/commodity-futures-trading-commission-3/</loc>
		<lastmod>2022-09-30T10:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/federal-reserve-3/</loc>
		<lastmod>2022-09-30T10:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/federal-trade-commission/</loc>
		<lastmod>2022-09-30T10:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/municipal-securities-rulemaking-board/</loc>
		<lastmod>2022-09-30T10:52:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/office-of-the-comptroller-of-the-currency/</loc>
		<lastmod>2022-09-30T10:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/securities-and-exchange-commission/</loc>
		<lastmod>2022-09-30T10:53:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/the-theory-of-investment-value-5/</loc>
		<lastmod>2022-09-30T10:54:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-finance-theory-3/</loc>
		<lastmod>2022-09-30T10:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/valuation-risk/</loc>
		<lastmod>2022-09-30T10:56:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-versus-nominal-value-economics-2/</loc>
		<lastmod>2022-09-30T10:57:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-prices-and-ideal-prices-2/</loc>
		<lastmod>2022-09-30T10:58:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fair-value-3/</loc>
		<lastmod>2022-09-30T10:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fair-value-accounting-3/</loc>
		<lastmod>2022-09-30T11:00:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/intrinsic-value-3/</loc>
		<lastmod>2022-09-30T11:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-price-3/</loc>
		<lastmod>2022-09-30T11:02:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/value-in-use/</loc>
		<lastmod>2022-09-30T11:03:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fairness-opinion/</loc>
		<lastmod>2022-09-30T11:04:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/asset-pricing-2/</loc>
		<lastmod>2022-09-30T11:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equilibrium-price-3/</loc>
		<lastmod>2022-09-30T11:09:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/market-efficiency-3/</loc>
		<lastmod>2022-09-30T11:11:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/economic-equilibrium-3/</loc>
		<lastmod>2022-09-30T11:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rational-expectations-5/</loc>
		<lastmod>2022-09-30T11:13:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-free-price-3/</loc>
		<lastmod>2022-09-30T11:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/rational-pricing-4/</loc>
		<lastmod>2022-09-30T11:14:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/arbitrage-free-pricing-2/</loc>
		<lastmod>2022-09-30T11:15:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/risk-neutral-valuation-4/</loc>
		<lastmod>2022-09-30T11:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-bonds/</loc>
		<lastmod>2022-09-30T11:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-valuation-3/</loc>
		<lastmod>2022-09-30T11:20:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/corporate-bond-%c2%a7-valuation/</loc>
		<lastmod>2022-09-30T11:21:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-valuation-3/</loc>
		<lastmod>2022-09-30T11:22:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/fundamental-analysis-5/</loc>
		<lastmod>2022-09-30T15:38:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/stock-valuation-5/</loc>
		<lastmod>2022-09-30T15:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/business-valuation-4/</loc>
		<lastmod>2022-09-30T15:42:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-finance-%c2%a7-valuation/</loc>
		<lastmod>2022-09-30T15:44:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/intrinsic-value-finance/</loc>
		<lastmod>2022-09-30T15:46:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/the-theory-of-investment-value-6/</loc>
		<lastmod>2022-09-30T15:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-estate-valuation/</loc>
		<lastmod>2022-09-30T15:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-estate-appraisal/</loc>
		<lastmod>2022-09-30T15:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/real-estate-economics-2/</loc>
		<lastmod>2022-09-30T15:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/covenants-and-indentures/</loc>
		<lastmod>2022-09-30T15:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/embedded-options/</loc>
		<lastmod>2022-09-30T15:53:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/equity-3/</loc>
		<lastmod>2022-09-30T15:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/minimum-acceptable-rate-of-return/</loc>
		<lastmod>2022-09-30T15:54:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/margin-of-safety-financial/</loc>
		<lastmod>2022-09-30T15:55:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/enterprise-value/</loc>
		<lastmod>2022-09-30T15:56:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/sum-of-the-parts-analysis/</loc>
		<lastmod>2022-09-30T15:56:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/conglomerate-discount/</loc>
		<lastmod>2022-09-30T15:57:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/minority-discount/</loc>
		<lastmod>2022-09-30T15:58:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/control-premium/</loc>
		<lastmod>2022-09-30T15:59:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/accretion-dilution-analysis/</loc>
		<lastmod>2022-09-30T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/certainty-equivalent/</loc>
		<lastmod>2022-09-30T16:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/paper-valuation-3/</loc>
		<lastmod>2022-09-30T16:01:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/discounted-cash-flow-3/</loc>
		<lastmod>2022-09-30T16:02:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-valuation-4/</loc>
		<lastmod>2022-09-30T16:02:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/modeling/</loc>
		<lastmod>2022-09-30T16:03:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/present-value-pv-of-a-bond/</loc>
		<lastmod>2022-09-30T16:05:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-valuation-%c2%a7-present-value-approach/</loc>
		<lastmod>2022-09-30T16:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/bond-valuation-%c2%a7-arbitrage-free-pricing-approach/</loc>
		<lastmod>2022-09-30T16:06:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/pull-to-par/</loc>
		<lastmod>2022-09-30T16:07:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/lattice-model-finance-%c2%a7-hybrid-securities/</loc>
		<lastmod>2022-09-30T16:08:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/lattice-model-finance-%c2%a7-hybrid-securities-2/</loc>
		<lastmod>2022-10-03T10:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/clean-price/</loc>
		<lastmod>2022-10-03T10:11:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/dirty-price/</loc>
		<lastmod>2022-10-03T10:12:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/yield-to-maturity-4/</loc>
		<lastmod>2022-10-03T10:12:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/coupon-yield/</loc>
		<lastmod>2022-10-03T10:14:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/current-yield/</loc>
		<lastmod>2022-10-03T10:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/duration/</loc>
		<lastmod>2022-10-03T10:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/convexity/</loc>
		<lastmod>2022-10-03T10:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/embedded-options-2/</loc>
		<lastmod>2022-10-03T10:16:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/option-adjusted-spread/</loc>
		<lastmod>2022-10-03T10:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/effective-duration/</loc>
		<lastmod>2022-10-03T10:17:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/effective-convexity/</loc>
		<lastmod>2022-10-03T10:18:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/cash-flows/</loc>
		<lastmod>2022-10-03T10:19:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://zaviad.com/explainer/principal-finance/</loc>
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