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	<url>
		<loc>https://actuary.org/glossary/1980-cso-valuation-tables/</loc>
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	<url>
		<loc>https://actuary.org/glossary/accrued-benefit-or-accumulated-plan-benefit/</loc>
		<lastmod>2013-11-18T20:31:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/activities-of-daily-living-adls/</loc>
		<lastmod>2013-11-18T20:31:38+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/glossary/actuarial-liability/</loc>
		<lastmod>2013-11-18T20:33:28+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/glossary/actuarial-reserve/</loc>
		<lastmod>2013-11-18T20:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-appraisal/</loc>
		<lastmod>2013-11-18T20:35:06+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/glossary/actuarial-appraisal-value/</loc>
		<lastmod>2013-11-18T20:35:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-central-estimate/</loc>
		<lastmod>2013-11-18T20:44:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-contribution/</loc>
		<lastmod>2013-11-18T20:45:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-gain-loss/</loc>
		<lastmod>2013-11-18T20:46:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-gain-loss/</loc>
		<lastmod>2013-11-18T20:47:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-services/</loc>
		<lastmod>2013-11-18T20:50:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-value-of-assets/</loc>
		<lastmod>2013-11-18T21:09:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-work-product/</loc>
		<lastmod>2013-11-18T21:10:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/adult-day-care/</loc>
		<lastmod>2013-11-18T21:10:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/adverse-selection/</loc>
		<lastmod>2013-11-18T21:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/advice/</loc>
		<lastmod>2013-11-18T21:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/service-dependent-benefits/</loc>
		<lastmod>2013-11-18T21:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/aggregate-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T21:12:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/allocation-of-retirement-plan-benefits/</loc>
		<lastmod>2013-11-18T21:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/allocation-period/</loc>
		<lastmod>2013-11-18T21:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/anticipated-mortality/</loc>
		<lastmod>2013-11-18T21:15:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/antiselection/</loc>
		<lastmod>2013-11-18T21:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/appointed-actuary/</loc>
		<lastmod>2013-11-18T21:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/appropriate/</loc>
		<lastmod>2013-11-18T21:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/appropriate-data/</loc>
		<lastmod>2013-11-18T21:28:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/asset-adequacy-analysis/</loc>
		<lastmod>2013-11-18T21:29:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/asset-valuation-basis/</loc>
		<lastmod>2013-11-18T21:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assumption-format/</loc>
		<lastmod>2013-11-18T21:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assumption-universe/</loc>
		<lastmod>2013-11-18T21:30:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/attained-age-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T21:31:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/audit/</loc>
		<lastmod>2013-11-18T21:44:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/basic-reserves/</loc>
		<lastmod>2013-11-18T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/basis-risk/</loc>
		<lastmod>2013-11-18T21:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/best-estimate-range/</loc>
		<lastmod>2013-11-18T22:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/block-of-business/</loc>
		<lastmod>2013-11-18T22:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/book-value/</loc>
		<lastmod>2013-11-18T22:27:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capitation/</loc>
		<lastmod>2013-11-18T22:28:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-flow-analysis/</loc>
		<lastmod>2013-11-18T22:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-flow-testing/</loc>
		<lastmod>2013-11-18T22:29:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/client/</loc>
		<lastmod>2013-11-18T22:30:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/closed-block/</loc>
		<lastmod>2013-11-18T22:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/coding/</loc>
		<lastmod>2013-11-18T22:30:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cognitive-impairment/</loc>
		<lastmod>2013-11-18T22:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cohort-of-new-residents/</loc>
		<lastmod>2013-11-18T22:31:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/commission-and-brokerage-fees/</loc>
		<lastmod>2013-11-18T22:31:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/comprehensive/</loc>
		<lastmod>2013-11-18T22:31:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/comprehensive-data/</loc>
		<lastmod>2013-11-18T22:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/consideration/</loc>
		<lastmod>2013-11-18T22:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contract-segmentation-method/</loc>
		<lastmod>2013-11-18T22:35:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contribution-principle/</loc>
		<lastmod>2013-11-18T22:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cost-of-capital/</loc>
		<lastmod>2013-11-18T22:46:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/covered-party/</loc>
		<lastmod>2013-11-18T22:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/covered-population/</loc>
		<lastmod>2013-11-18T22:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/credibility/</loc>
		<lastmod>2013-11-18T22:48:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/credit-risk/</loc>
		<lastmod>2013-11-18T22:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/custodial-care/</loc>
		<lastmod>2013-11-18T22:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dedicated-assets/</loc>
		<lastmod>2013-11-18T22:50:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deferred-policy-acquisition-cost-dpac/</loc>
		<lastmod>2013-11-18T22:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deferred-sales-inducements-dsi/</loc>
		<lastmod>2013-11-18T22:51:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deficiency-reserves/</loc>
		<lastmod>2013-11-18T22:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/demographic-assumptions/</loc>
		<lastmod>2013-11-18T22:51:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/demutualization/</loc>
		<lastmod>2013-11-18T22:51:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dependents/</loc>
		<lastmod>2013-11-18T22:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/lag-method/</loc>
		<lastmod>2013-11-18T22:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/development-method/</loc>
		<lastmod>2013-11-18T22:53:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deviation/</loc>
		<lastmod>2013-11-18T22:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/diagnostic-services/</loc>
		<lastmod>2013-11-18T22:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/distributable-earnings/</loc>
		<lastmod>2013-11-18T22:54:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dividend-determination/</loc>
		<lastmod>2013-11-18T22:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dividend-framework/</loc>
		<lastmod>2013-11-18T22:55:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/domestic-relations-order-dro/</loc>
		<lastmod>2013-11-18T22:55:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/duration/</loc>
		<lastmod>2013-11-18T22:55:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/economic-capital/</loc>
		<lastmod>2013-11-18T22:56:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/eligibility-date/</loc>
		<lastmod>2013-11-18T22:56:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/enterprise-risk-management-control-cycle/</loc>
		<lastmod>2013-11-18T22:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/entry-age-normal-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T22:58:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/estimated-gross-margin/</loc>
		<lastmod>2013-11-18T22:58:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/estimated-gross-profit/</loc>
		<lastmod>2013-11-18T22:58:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/estimation-period/</loc>
		<lastmod>2013-11-18T22:58:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/examiner/</loc>
		<lastmod>2013-11-18T22:59:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/existing-business/</loc>
		<lastmod>2013-11-18T22:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expected-deaths/</loc>
		<lastmod>2013-11-18T22:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expected-value-estimate/</loc>
		<lastmod>2013-11-18T22:59:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expense-limitations/</loc>
		<lastmod>2013-11-18T22:59:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expert/</loc>
		<lastmod>2013-11-18T23:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/explicit-risk-margin/</loc>
		<lastmod>2013-11-18T23:01:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/fee-structure/</loc>
		<lastmod>2013-11-18T23:02:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-adequacy/</loc>
		<lastmod>2013-11-18T23:02:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/forecast-period/</loc>
		<lastmod>2013-11-18T23:03:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/formula-reserves/</loc>
		<lastmod>2013-11-18T23:03:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/frozen-attained-age-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:04:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/frozen-entry-age-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:04:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/full-credibility/</loc>
		<lastmod>2013-11-18T23:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/full-value-reserve/</loc>
		<lastmod>2013-11-18T23:04:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/functional-impairment/</loc>
		<lastmod>2013-11-18T23:05:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/general-administrative-expenses/</loc>
		<lastmod>2013-11-18T23:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/general-economic-inflation/</loc>
		<lastmod>2013-11-18T23:06:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/going-concern-assumption/</loc>
		<lastmod>2013-11-18T23:06:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/graduation/</loc>
		<lastmod>2013-11-18T23:06:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/gross-premium-reserve/</loc>
		<lastmod>2013-11-18T23:06:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/gross-premium-reserve-test/</loc>
		<lastmod>2013-11-18T23:07:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/guaranteed-renewable-contract/</loc>
		<lastmod>2013-11-18T23:07:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-filing/</loc>
		<lastmod>2013-11-18T23:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-plan-entity/</loc>
		<lastmod>2013-11-18T23:09:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-status-based/</loc>
		<lastmod>2013-11-18T23:09:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/homogeneity/</loc>
		<lastmod>2013-11-18T23:10:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/hospice-care/</loc>
		<lastmod>2013-11-18T23:10:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/impairment/</loc>
		<lastmod>2013-11-18T23:11:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/impaired-mortality/</loc>
		<lastmod>2013-11-18T23:11:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/incurral-date/</loc>
		<lastmod>2013-11-18T23:11:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/indeterminate-premium-policies/</loc>
		<lastmod>2013-11-18T23:12:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/individual-level-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:13:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/individual-aggregate-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/individual-spread-gain-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:14:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/inflation/</loc>
		<lastmod>2013-11-18T23:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/initial-assets/</loc>
		<lastmod>2013-11-18T23:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/initial-liabilities/</loc>
		<lastmod>2013-11-18T23:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/instrumental-activities-of-daily-living-iadls/</loc>
		<lastmod>2013-11-18T23:15:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/insurance-business/</loc>
		<lastmod>2013-11-18T23:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/insurance-cash-flows/</loc>
		<lastmod>2013-11-18T23:15:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/insurance-risk/</loc>
		<lastmod>2013-11-18T23:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/insured/</loc>
		<lastmod>2013-11-18T23:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intended-audience/</loc>
		<lastmod>2013-11-18T23:16:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intermediate-nursing-care/</loc>
		<lastmod>2013-11-18T23:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-income/</loc>
		<lastmod>2013-11-18T23:17:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-income-from-insurance-operations/</loc>
		<lastmod>2013-11-18T23:17:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-risk/</loc>
		<lastmod>2013-11-18T23:17:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-rate-of-return-risk/</loc>
		<lastmod>2013-11-18T23:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/judge/</loc>
		<lastmod>2013-11-18T23:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/known/</loc>
		<lastmod>2013-11-18T23:18:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/leverage/</loc>
		<lastmod>2013-11-18T23:19:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/life-care-community-lcc/</loc>
		<lastmod>2013-11-18T23:19:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/life-expectancy-le/</loc>
		<lastmod>2013-11-18T23:20:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/life-expectancy-provider/</loc>
		<lastmod>2013-11-18T23:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/life-settlement/</loc>
		<lastmod>2013-11-18T23:20:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/liquidation-rights/</loc>
		<lastmod>2013-11-18T23:20:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/lock-in/</loc>
		<lastmod>2013-11-18T23:21:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-range-period/</loc>
		<lastmod>2013-11-18T23:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-term-custodial-care/</loc>
		<lastmod>2013-11-18T23:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/loss-adjustment-expenses-lae/</loc>
		<lastmod>2013-11-18T23:22:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/marital-property/</loc>
		<lastmod>2013-11-18T23:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-interest-rates/</loc>
		<lastmod>2013-11-18T23:23:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-risk/</loc>
		<lastmod>2013-11-18T23:23:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-value/</loc>
		<lastmod>2013-11-18T23:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/material/</loc>
		<lastmod>2013-11-18T23:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/materiality/</loc>
		<lastmod>2013-11-18T23:24:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mean-life-expectancy/</loc>
		<lastmod>2013-11-18T23:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/medicare-integration/</loc>
		<lastmod>2013-11-18T23:33:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/membership-rights/</loc>
		<lastmod>2013-11-18T23:33:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-select-mortality-factors/</loc>
		<lastmod>2013-11-18T23:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/morbidity/</loc>
		<lastmod>2013-11-18T23:35:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/morbidity-rate/</loc>
		<lastmod>2013-11-18T23:35:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mortality-multiple/</loc>
		<lastmod>2013-11-18T23:36:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mutual-company/</loc>
		<lastmod>2013-11-18T23:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/net-gaap-liability/</loc>
		<lastmod>2013-11-18T23:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/net-statement-liabilities/</loc>
		<lastmod>2013-11-18T23:36:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/non-resident/</loc>
		<lastmod>2013-11-18T23:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/normative-database/</loc>
		<lastmod>2013-11-18T23:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/notional-asset-portfolio/</loc>
		<lastmod>2013-11-18T23:39:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/one-year-term-cost/</loc>
		<lastmod>2013-11-18T23:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/open-groupclosed-group/</loc>
		<lastmod>2013-11-18T23:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/operating-rules/</loc>
		<lastmod>2013-11-18T23:40:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/oral-communication/</loc>
		<lastmod>2013-11-18T23:40:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/other-acquisition-expenses/</loc>
		<lastmod>2013-11-18T23:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/parameter-risk/</loc>
		<lastmod>2013-11-18T23:41:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/participating-policy/</loc>
		<lastmod>2013-11-18T23:42:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pay-as-you-go/</loc>
		<lastmod>2013-11-18T23:42:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/permanent-transfer/</loc>
		<lastmod>2013-11-18T23:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/physical-property/</loc>
		<lastmod>2013-11-18T23:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/plan-of-conversion/</loc>
		<lastmod>2013-11-18T23:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy-cash-flow-risk/</loc>
		<lastmod>2013-11-18T23:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policyholder-dividends/</loc>
		<lastmod>2013-11-18T23:45:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/portfolio-interest-rate/</loc>
		<lastmod>2013-11-18T23:46:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/practical/</loc>
		<lastmod>2013-11-18T23:46:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/premium-deficiency/</loc>
		<lastmod>2013-11-18T23:47:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/premium-related-expenses/</loc>
		<lastmod>2013-11-18T23:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-asset-valuation-method/</loc>
		<lastmod>2013-11-18T23:47:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/principal/</loc>
		<lastmod>2013-11-18T23:48:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/process-risk/</loc>
		<lastmod>2013-11-18T23:49:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/productivity-growth/</loc>
		<lastmod>2013-11-18T23:49:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/program-assets/</loc>
		<lastmod>2013-11-18T23:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/program-income/</loc>
		<lastmod>2013-11-18T23:50:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/projected-benefits/</loc>
		<lastmod>2013-11-18T23:50:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/forecast-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/projection-actuarial-cost-method/</loc>
		<lastmod>2013-11-18T23:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/providers/</loc>
		<lastmod>2013-11-19T13:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/qualified-actuary/</loc>
		<lastmod>2013-11-19T13:59:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/qualified-domestic-relations-order-qdro/</loc>
		<lastmod>2013-11-19T13:59:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/rate-of-investment-return/</loc>
		<lastmod>2013-11-19T13:59:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ratemaking/</loc>
		<lastmod>2013-11-19T14:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reasonable-dividend-expectations/</loc>
		<lastmod>2013-11-19T14:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/recalibration/</loc>
		<lastmod>2013-11-19T14:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/redetermination/</loc>
		<lastmod>2013-11-19T14:01:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/refundable-advance-fee/</loc>
		<lastmod>2013-11-19T14:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-contract/</loc>
		<lastmod>2013-11-19T14:02:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinvestment-rate/</loc>
		<lastmod>2013-11-19T14:02:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinvestment-risk/</loc>
		<lastmod>2013-11-19T14:02:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/required-actuarial-document/</loc>
		<lastmod>2013-11-19T14:03:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/residency-agreement/</loc>
		<lastmod>2013-11-19T14:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/residual-market-provision/</loc>
		<lastmod>2013-11-19T14:04:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/respite-care/</loc>
		<lastmod>2013-11-19T14:04:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/responding-actuary/</loc>
		<lastmod>2013-11-19T14:04:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/retiree-group-benefits-program/</loc>
		<lastmod>2013-11-19T14:04:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/retirement-plan/</loc>
		<lastmod>2013-11-19T14:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/review-date/</loc>
		<lastmod>2013-11-19T14:05:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-appetite/</loc>
		<lastmod>2013-11-19T14:06:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-assuming-entity/</loc>
		<lastmod>2013-11-19T14:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-characteristics/</loc>
		<lastmod>2013-11-19T14:06:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-class/</loc>
		<lastmod>2013-11-19T14:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-classification-system/</loc>
		<lastmod>2013-11-19T14:08:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-profile/</loc>
		<lastmod>2013-11-19T14:09:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-adjusted-rate-of-return/</loc>
		<lastmod>2013-11-19T14:10:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-sharing-arrangement/</loc>
		<lastmod>2013-11-19T14:10:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-tolerance/</loc>
		<lastmod>2013-11-19T14:10:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-treatment/</loc>
		<lastmod>2013-11-19T14:10:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-weight/</loc>
		<lastmod>2013-11-19T14:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/short-range-period/</loc>
		<lastmod>2013-11-19T14:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/skilled-nursing-care/</loc>
		<lastmod>2013-11-19T14:11:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/small-employer/</loc>
		<lastmod>2013-11-19T14:11:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/social-influences/</loc>
		<lastmod>2013-11-19T14:12:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/spouse/</loc>
		<lastmod>2013-11-19T14:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/statement-of-actuarial-opinion/</loc>
		<lastmod>2013-11-19T14:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/statement-of-actuarial-review/</loc>
		<lastmod>2013-11-19T14:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/statutory-assessment-provision/</loc>
		<lastmod>2013-11-19T14:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/stop-loss-coverage/</loc>
		<lastmod>2013-11-19T14:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/subject-experience/</loc>
		<lastmod>2013-11-19T14:14:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/survival-curve/</loc>
		<lastmod>2013-11-19T14:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/survivor/</loc>
		<lastmod>2013-11-19T14:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/tabular-method/</loc>
		<lastmod>2013-11-19T14:14:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/taxes-licenses-and-fees/</loc>
		<lastmod>2013-11-19T14:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/temporary-transfer/</loc>
		<lastmod>2013-11-19T14:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ten-year-select-factors/</loc>
		<lastmod>2013-11-19T14:15:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/terminal-funding/</loc>
		<lastmod>2013-11-19T14:15:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/testimony/</loc>
		<lastmod>2013-11-19T14:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/time-value-of-money/</loc>
		<lastmod>2013-11-19T14:16:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/tontine/</loc>
		<lastmod>2013-11-19T14:16:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/total-return/</loc>
		<lastmod>2013-11-19T14:16:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/trending-period/</loc>
		<lastmod>2013-11-19T14:16:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/trust-fund/</loc>
		<lastmod>2013-11-19T14:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/underwriting-expenses/</loc>
		<lastmod>2013-11-19T14:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-actuarial-liability/</loc>
		<lastmod>2013-11-19T14:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-accrued-liability/</loc>
		<lastmod>2013-11-19T14:19:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-actuarial-reserve/</loc>
		<lastmod>2013-11-19T14:19:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-frozen-actuarial-accrued-liability/</loc>
		<lastmod>2013-11-19T14:19:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-frozen-actuarial-liability/</loc>
		<lastmod>2013-11-19T14:19:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unit-credit-actuarial-cost-method/</loc>
		<lastmod>2013-11-19T14:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unpaid-claim-estimate-analysis/</loc>
		<lastmod>2013-11-19T14:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/valuation-period/</loc>
		<lastmod>2013-11-19T14:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/voting-rights/</loc>
		<lastmod>2013-11-19T14:20:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/withdrawal-rate/</loc>
		<lastmod>2013-11-19T14:21:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-contracts-2/</loc>
		<lastmod>2014-09-25T14:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/limited-payment-contracts-2/</loc>
		<lastmod>2014-09-25T14:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/universal-life-type-ul-type-contracts-2/</loc>
		<lastmod>2014-09-25T14:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cost-allocation-policy/</loc>
		<lastmod>2014-09-25T18:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-standard-practice/</loc>
		<lastmod>2014-09-25T19:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-investment-balances/</loc>
		<lastmod>2014-09-25T22:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/funding-method/</loc>
		<lastmod>2014-09-29T14:27:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-losses/</loc>
		<lastmod>2014-09-29T14:35:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/medicare-eligible-participants/</loc>
		<lastmod>2014-09-29T22:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/derivative-contracts/</loc>
		<lastmod>2014-09-29T22:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-methods/</loc>
		<lastmod>2014-09-30T16:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-term-care-insurance-plans/</loc>
		<lastmod>2014-09-30T16:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-free-interest-rates/</loc>
		<lastmod>2014-09-30T19:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/operating-profit-2/</loc>
		<lastmod>2014-10-01T18:38:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/direct-users/</loc>
		<lastmod>2014-10-01T21:16:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/historical-contributions/</loc>
		<lastmod>2014-10-02T14:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-findings/</loc>
		<lastmod>2014-10-02T16:54:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/incentive-payments/</loc>
		<lastmod>2014-10-02T17:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ibnr/</loc>
		<lastmod>2014-10-02T22:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/incurred-deaths/</loc>
		<lastmod>2014-10-02T22:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ul-type-contracts/</loc>
		<lastmod>2014-10-30T13:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-sound/</loc>
		<lastmod>2014-12-02T17:09:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/base-data/</loc>
		<lastmod>2014-12-02T19:50:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-flow-model/</loc>
		<lastmod>2014-12-02T20:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/catastrophe-model/</loc>
		<lastmod>2014-12-02T20:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/composite-rating/</loc>
		<lastmod>2014-12-02T20:59:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/disproportinate-share-hospital-dsh-payments/</loc>
		<lastmod>2014-12-04T15:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/divisible-surplus/</loc>
		<lastmod>2014-12-04T16:02:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/domestic-relations-law/</loc>
		<lastmod>2014-12-04T16:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/encounter-data/</loc>
		<lastmod>2014-12-04T16:21:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/enhanced-additional-benefits/</loc>
		<lastmod>2014-12-04T16:24:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-rating/</loc>
		<lastmod>2014-12-04T17:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expertise-2/</loc>
		<lastmod>2014-12-04T18:10:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/exposure-base/</loc>
		<lastmod>2014-12-04T18:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/federally-qualified-health-centers-fqhc/</loc>
		<lastmod>2014-12-04T18:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/filing-actuary/</loc>
		<lastmod>2014-12-04T18:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/fully-funded-2/</loc>
		<lastmod>2014-12-04T18:38:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/granularity/</loc>
		<lastmod>2014-12-04T19:06:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/historical-ae-analysis-2/</loc>
		<lastmod>2014-12-04T20:32:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/implementation/</loc>
		<lastmod>2014-12-04T20:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/input/</loc>
		<lastmod>2014-12-04T21:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intended-purpose/</loc>
		<lastmod>2014-12-04T21:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intergovermental-transfers-igts/</loc>
		<lastmod>2014-12-04T22:02:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/liquidity-risk-2/</loc>
		<lastmod>2014-12-04T23:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/managed-care-organization-mco/</loc>
		<lastmod>2014-12-05T15:16:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/may/</loc>
		<lastmod>2014-12-05T17:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/medical-education-payments/</loc>
		<lastmod>2014-12-05T18:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/merit-scale/</loc>
		<lastmod>2014-12-05T20:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-reserve/</loc>
		<lastmod>2014-12-08T17:59:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/12293/</loc>
		<lastmod>2014-12-08T18:00:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-segment/</loc>
		<lastmod>2014-12-08T18:03:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/modified-ae-analysis-2/</loc>
		<lastmod>2014-12-08T18:35:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/must/</loc>
		<lastmod>2014-12-08T18:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/neutral/</loc>
		<lastmod>2014-12-08T19:01:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/participant-contributions/</loc>
		<lastmod>2014-12-08T22:12:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policyholder/</loc>
		<lastmod>2014-12-08T22:50:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/principle-based-reserve-pbr/</loc>
		<lastmod>2014-12-09T16:24:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/principle-based-valuation/</loc>
		<lastmod>2014-12-09T16:28:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/rating-period/</loc>
		<lastmod>2014-12-09T17:22:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/realization/</loc>
		<lastmod>2014-12-09T17:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/real-return/</loc>
		<lastmod>2014-12-09T17:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reasonable/</loc>
		<lastmod>2014-12-09T17:26:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reliance/</loc>
		<lastmod>2014-12-09T17:58:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reproducible/</loc>
		<lastmod>2014-12-09T17:58:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reserve-analysis/</loc>
		<lastmod>2014-12-09T18:09:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-factor/</loc>
		<lastmod>2014-12-09T19:08:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-premium/</loc>
		<lastmod>2014-12-09T19:20:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/rural-health-clinics-rhc/</loc>
		<lastmod>2014-12-09T21:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/schedule-rating/</loc>
		<lastmod>2014-12-09T21:32:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/sensitivity-test/</loc>
		<lastmod>2014-12-09T21:33:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/consider/</loc>
		<lastmod>2014-12-09T21:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/significant/</loc>
		<lastmod>2014-12-09T21:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/specification/</loc>
		<lastmod>2014-12-09T21:43:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/starting-assets/</loc>
		<lastmod>2014-12-09T21:52:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/state-plan-services/</loc>
		<lastmod>2014-12-09T21:53:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/supplemental-payments/</loc>
		<lastmod>2014-12-09T22:12:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/value-business-acquired-voba/</loc>
		<lastmod>2014-12-09T23:01:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unpaid-claim-estimates/</loc>
		<lastmod>2014-12-11T17:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/incurred-claims-2/</loc>
		<lastmod>2014-12-11T17:50:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/modification-factors/</loc>
		<lastmod>2014-12-11T18:07:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mortality-assumptions-2/</loc>
		<lastmod>2014-12-11T18:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumptions-2/</loc>
		<lastmod>2014-12-11T20:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/stochastic-reserves/</loc>
		<lastmod>2014-12-11T23:11:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intended-applications/</loc>
		<lastmod>2014-12-11T23:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/parameters-2/</loc>
		<lastmod>2014-12-15T16:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capitation-rates/</loc>
		<lastmod>2014-12-15T20:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-medical-loss-ratio/</loc>
		<lastmod>2014-12-15T21:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-adjustments/</loc>
		<lastmod>2014-12-15T21:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/professional-judgment/</loc>
		<lastmod>2014-12-16T16:03:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/carve/</loc>
		<lastmod>2014-12-16T17:10:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/condition-categories/</loc>
		<lastmod>2014-12-16T17:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/asset-valuation-methods/</loc>
		<lastmod>2014-12-16T18:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/emerging-risks/</loc>
		<lastmod>2014-12-16T21:40:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-evaluation-systems-2/</loc>
		<lastmod>2014-12-16T22:46:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/scenario-tests/</loc>
		<lastmod>2014-12-16T22:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/merit-adjustments-2/</loc>
		<lastmod>2014-12-17T18:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/trending-procedures/</loc>
		<lastmod>2014-12-17T21:22:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/best-estimate-assumptions/</loc>
		<lastmod>2014-12-17T21:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/gross-premiums/</loc>
		<lastmod>2014-12-17T21:52:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-estimate-assumptions/</loc>
		<lastmod>2014-12-17T21:55:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy-benefit-liabilities/</loc>
		<lastmod>2014-12-17T22:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/filing-actuaries/</loc>
		<lastmod>2014-12-17T22:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-projections/</loc>
		<lastmod>2014-12-17T22:26:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/regulatory-benchmarks/</loc>
		<lastmod>2014-12-17T22:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/benefit-plans/</loc>
		<lastmod>2014-12-18T15:49:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contingent-participants-2/</loc>
		<lastmod>2014-12-18T15:52:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cost-allocation-procedures/</loc>
		<lastmod>2014-12-18T16:06:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/plan-sponsors/</loc>
		<lastmod>2014-12-18T18:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prefunding-contributions/</loc>
		<lastmod>2014-12-18T18:51:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/retiree-group-benefit-program/</loc>
		<lastmod>2014-12-18T20:08:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/trends-2/</loc>
		<lastmod>2014-12-18T20:25:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contributions-2/</loc>
		<lastmod>2014-12-19T15:16:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/covered-individuals/</loc>
		<lastmod>2014-12-22T16:04:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-metrics/</loc>
		<lastmod>2014-12-22T21:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/retiree-group-benefits-plans/</loc>
		<lastmod>2014-12-22T21:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-documents/</loc>
		<lastmod>2014-12-25T16:04:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-output/</loc>
		<lastmod>2014-12-25T20:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/real-risk-free-returns/</loc>
		<lastmod>2014-12-26T15:10:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/discounted-unpaid-claim-estimates/</loc>
		<lastmod>2014-12-26T15:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-margins/</loc>
		<lastmod>2014-12-26T15:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/additional-fees-2/</loc>
		<lastmod>2014-12-26T16:48:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/advance-fees/</loc>
		<lastmod>2014-12-26T16:49:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-care-guarantees/</loc>
		<lastmod>2014-12-26T17:02:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-centers/</loc>
		<lastmod>2014-12-26T17:04:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/independent-living-units/</loc>
		<lastmod>2014-12-26T17:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/living-units/</loc>
		<lastmod>2014-12-26T17:09:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/periodic-fees/</loc>
		<lastmod>2014-12-26T17:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/population-projections/</loc>
		<lastmod>2014-12-26T17:24:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/residents/</loc>
		<lastmod>2014-12-26T17:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/age-service-dependent-benefits/</loc>
		<lastmod>2014-12-29T18:02:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/allocation-dates/</loc>
		<lastmod>2014-12-29T18:08:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/allocation-methods/</loc>
		<lastmod>2014-12-29T18:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/domestic-relations-actions/</loc>
		<lastmod>2014-12-29T18:53:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/rates/</loc>
		<lastmod>2014-12-29T22:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-run-2/</loc>
		<lastmod>2014-12-30T14:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/stochastic-modeling/</loc>
		<lastmod>2014-12-30T17:57:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/exposure-units/</loc>
		<lastmod>2014-12-31T00:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-transactions/</loc>
		<lastmod>2014-12-31T15:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/claim-adjustment-expenses/</loc>
		<lastmod>2015-01-05T15:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capitation-arrangements/</loc>
		<lastmod>2015-01-05T15:08:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/provider-related-liabilities/</loc>
		<lastmod>2015-01-05T15:10:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/intended-users/</loc>
		<lastmod>2015-01-05T15:29:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/appraisals/</loc>
		<lastmod>2015-01-05T17:11:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/appraisal-dates/</loc>
		<lastmod>2015-01-05T17:11:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/discount-rates/</loc>
		<lastmod>2015-01-05T17:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/liability-cash-flow/</loc>
		<lastmod>2015-01-05T18:54:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/carriers/</loc>
		<lastmod>2015-01-05T19:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/premium-deficiency-reserves/</loc>
		<lastmod>2015-01-05T20:45:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-personal-security-systems/</loc>
		<lastmod>2015-01-06T16:28:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-opinions/</loc>
		<lastmod>2015-01-06T17:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/auditors/</loc>
		<lastmod>2015-01-06T17:44:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/data-elements/</loc>
		<lastmod>2015-01-06T19:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/program-costs/</loc>
		<lastmod>2015-01-06T21:08:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/anticipated-experience-factors/</loc>
		<lastmod>2015-01-07T22:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonguaranteed-charges-benefits/</loc>
		<lastmod>2015-01-07T22:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/asset-risks/</loc>
		<lastmod>2015-01-08T17:43:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy-cash-flow/</loc>
		<lastmod>2015-01-08T18:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dpac/</loc>
		<lastmod>2015-01-08T22:26:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dsi/</loc>
		<lastmod>2015-01-08T22:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dividend-factors/</loc>
		<lastmod>2015-01-08T23:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dividend-factor-classes/</loc>
		<lastmod>2015-01-08T23:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonguaranteed-elements/</loc>
		<lastmod>2015-01-13T21:45:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/individual-policies/</loc>
		<lastmod>2015-01-13T22:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/eligible-policyholders/</loc>
		<lastmod>2015-01-14T17:42:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/costs-capital/</loc>
		<lastmod>2015-01-15T16:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contingency-provisions/</loc>
		<lastmod>2015-01-15T16:10:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-values/</loc>
		<lastmod>2015-01-16T22:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/av/</loc>
		<lastmod>2015-01-16T22:17:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/av-calculator/</loc>
		<lastmod>2015-01-16T22:18:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/bronze-silver-gold-platinum-levels/</loc>
		<lastmod>2015-01-16T22:19:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/essential-health-benefits/</loc>
		<lastmod>2015-01-16T22:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ehbs/</loc>
		<lastmod>2015-01-16T22:20:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-value/</loc>
		<lastmod>2015-01-20T15:47:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mv/</loc>
		<lastmod>2015-01-20T15:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mv-calculator/</loc>
		<lastmod>2015-01-20T15:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-insurance-plans/</loc>
		<lastmod>2015-01-20T18:43:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/anticipated-experience-assumptions/</loc>
		<lastmod>2015-01-20T20:45:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/business-segments/</loc>
		<lastmod>2015-01-20T20:46:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dynamic-modeling/</loc>
		<lastmod>2015-01-20T20:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prudent-estimate-assumptions/</loc>
		<lastmod>2015-01-21T16:04:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reported-amount/</loc>
		<lastmod>2015-01-21T16:10:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/total-asset-requirements/</loc>
		<lastmod>2015-01-21T16:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/anticipated-experiences/</loc>
		<lastmod>2015-01-21T18:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deterministic-reserves/</loc>
		<lastmod>2015-01-21T18:39:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/certifying-actuary/</loc>
		<lastmod>2015-01-22T23:45:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pba-review-actuary/</loc>
		<lastmod>2015-01-22T23:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/qualified-opinion/</loc>
		<lastmod>2015-01-22T23:55:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/legal-expert/</loc>
		<lastmod>2015-01-29T16:29:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-consistent-actuarial-present-value-accrued-benefits/</loc>
		<lastmod>2015-02-02T18:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/avc-av/</loc>
		<lastmod>2015-02-04T22:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-value-requirements/</loc>
		<lastmod>2015-02-04T23:03:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mv-requirements/</loc>
		<lastmod>2015-02-04T23:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mvc-av/</loc>
		<lastmod>2015-02-04T23:06:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarially-determined-contributions/</loc>
		<lastmod>2015-02-06T20:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/erm-control-cycle/</loc>
		<lastmod>2015-02-10T15:24:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mco/</loc>
		<lastmod>2015-02-10T21:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/dsh-payments/</loc>
		<lastmod>2015-02-10T22:03:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/le/</loc>
		<lastmod>2015-02-11T19:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ltc-insurance-plans/</loc>
		<lastmod>2015-02-11T20:38:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/adls/</loc>
		<lastmod>2015-02-11T20:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ccrc/</loc>
		<lastmod>2015-02-12T16:05:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/fqhc/</loc>
		<lastmod>2015-03-17T18:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/igt/</loc>
		<lastmod>2015-03-17T18:59:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/performance-incentives/</loc>
		<lastmod>2015-03-17T19:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/rhc/</loc>
		<lastmod>2015-03-17T19:19:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/performance-withholds/</loc>
		<lastmod>2015-03-17T20:52:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/asset-segmentation-plans/</loc>
		<lastmod>2015-03-25T16:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/principle-based-reserve-pbr-actuarial-reports/</loc>
		<lastmod>2015-03-26T14:59:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pbr-actuarial-reports-2/</loc>
		<lastmod>2015-03-26T14:59:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/benefit-plan-members/</loc>
		<lastmod>2015-04-06T17:37:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pooled-health-plans/</loc>
		<lastmod>2015-04-09T16:02:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/surviving-dependents-2/</loc>
		<lastmod>2015-04-09T16:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capital-events/</loc>
		<lastmod>2015-05-12T14:22:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-capital-target/</loc>
		<lastmod>2015-05-12T14:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-capital-base-2/</loc>
		<lastmod>2015-05-12T14:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/respective-rating/</loc>
		<lastmod>2016-02-02T17:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-bearing-entity/</loc>
		<lastmod>2016-02-02T20:18:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unpaid-claims-liabilities/</loc>
		<lastmod>2016-02-03T16:02:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/development-or-lag-method/</loc>
		<lastmod>2016-02-04T21:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/projection-method-2/</loc>
		<lastmod>2016-02-04T21:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-framework/</loc>
		<lastmod>2016-04-07T21:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model-points/</loc>
		<lastmod>2016-04-07T21:44:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contract-performance/</loc>
		<lastmod>2016-11-01T14:44:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/entity/</loc>
		<lastmod>2016-11-01T14:46:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-audit/</loc>
		<lastmod>2016-11-01T14:49:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-examination/</loc>
		<lastmod>2016-11-01T14:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-review/</loc>
		<lastmod>2016-11-01T14:52:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-statements/</loc>
		<lastmod>2016-11-01T14:54:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/generally-accepted-auditing-standards/</loc>
		<lastmod>2016-11-01T14:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-transfer/</loc>
		<lastmod>2017-02-02T17:37:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-net-premium-reserve/</loc>
		<lastmod>2017-04-11T18:10:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/coverage/</loc>
		<lastmod>2018-01-05T18:59:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-retention/</loc>
		<lastmod>2018-01-05T19:06:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expense-provisions/</loc>
		<lastmod>2022-01-31T19:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/mvc/</loc>
		<lastmod>2022-02-08T19:19:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/liability-for-future-policy-benefits/</loc>
		<lastmod>2022-04-25T20:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-documentation/</loc>
		<lastmod>2022-08-09T13:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/overview/</loc>
		<lastmod>2023-03-02T14:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/available-capital/</loc>
		<lastmod>2023-05-05T19:28:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/governance/</loc>
		<lastmod>2023-05-05T19:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/internal-capital-assessment/</loc>
		<lastmod>2023-05-05T19:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/orsa/</loc>
		<lastmod>2023-05-05T19:52:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/required-capital/</loc>
		<lastmod>2023-05-05T19:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-appetite-framework/</loc>
		<lastmod>2023-05-05T19:59:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-appetite-limits/</loc>
		<lastmod>2023-05-05T20:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-inventory/</loc>
		<lastmod>2023-05-05T20:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-taxonomy/</loc>
		<lastmod>2023-05-05T20:11:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/scenario-analysis/</loc>
		<lastmod>2023-05-05T20:12:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/stress-testing/</loc>
		<lastmod>2023-05-05T20:14:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/three-lines-of-defense/</loc>
		<lastmod>2023-05-05T20:30:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/erm-frameworks/</loc>
		<lastmod>2023-05-05T20:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-appetite-statements/</loc>
		<lastmod>2023-05-05T20:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/valuation-mortality-table/</loc>
		<lastmod>2023-05-30T12:57:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-classification/</loc>
		<lastmod>2024-09-26T20:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/discounted-cash-flow/</loc>
		<lastmod>2025-08-20T16:22:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial/</loc>
		<lastmod>2025-08-20T17:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-conclusions/</loc>
		<lastmod>2025-08-20T17:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-present-value-of-projected-benefits/</loc>
		<lastmod>2025-08-20T17:23:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-cost-methods/</loc>
		<lastmod>2025-08-20T17:24:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-status/</loc>
		<lastmod>2025-08-20T17:24:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-reports/</loc>
		<lastmod>2025-08-20T17:25:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/adverse-capital-events/</loc>
		<lastmod>2025-08-20T17:26:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/applicable-laws/</loc>
		<lastmod>2025-08-20T17:27:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/applicable-actuarial-guidelines/</loc>
		<lastmod>2025-08-20T17:28:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assumptions/</loc>
		<lastmod>2025-08-20T17:28:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assuming-entity/</loc>
		<lastmod>2025-08-20T17:29:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assets/</loc>
		<lastmod>2025-08-20T17:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/at-home-programs/</loc>
		<lastmod>2025-08-20T17:30:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-flow/</loc>
		<lastmod>2025-08-20T17:31:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capital-adequacy-assessment/</loc>
		<lastmod>2025-08-20T17:31:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/catastrophe-ratemaking-procedures/</loc>
		<lastmod>2025-08-20T17:36:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/catastrophe/</loc>
		<lastmod>2025-08-20T17:36:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cash-flow-risk/</loc>
		<lastmod>2025-08-20T17:36:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cohort-of-new-residents-or-new-members/</loc>
		<lastmod>2025-08-20T17:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cohort-of-new-contractual-residents-or-new-members/</loc>
		<lastmod>2025-08-20T17:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cohort-2/</loc>
		<lastmod>2025-08-20T17:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/claim-estimates-2/</loc>
		<lastmod>2025-08-20T17:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ceding-entity/</loc>
		<lastmod>2025-08-20T17:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/compound-events/</loc>
		<lastmod>2025-08-20T17:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/complex-insurance-organizations/</loc>
		<lastmod>2025-08-20T17:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/collectability-of-reinsurance-proceeds/</loc>
		<lastmod>2025-08-20T17:39:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contractual-resident/</loc>
		<lastmod>2025-08-20T18:35:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contract-period/</loc>
		<lastmod>2025-08-20T18:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/continuing-care-retirement-community-ccrc/</loc>
		<lastmod>2025-08-20T18:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contagion/</loc>
		<lastmod>2025-08-20T18:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/cost-2/</loc>
		<lastmod>2025-08-20T18:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contribution-risk/</loc>
		<lastmod>2025-08-20T18:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/currently-payable-scale/</loc>
		<lastmod>2025-08-20T18:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/credibility-procedures/</loc>
		<lastmod>2025-08-20T18:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/counterparty/</loc>
		<lastmod>2025-08-20T18:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/deterministic/</loc>
		<lastmod>2025-08-20T18:40:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/determination-policy/</loc>
		<lastmod>2025-08-20T18:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/demand-surge/</loc>
		<lastmod>2025-08-20T18:40:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/discounted-claim-estimate/</loc>
		<lastmod>2025-08-20T18:41:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/disciplined-current-scale/</loc>
		<lastmod>2025-08-20T18:41:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/events/</loc>
		<lastmod>2025-08-20T18:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/exposure/</loc>
		<lastmod>2025-08-20T18:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-factor-classes/</loc>
		<lastmod>2025-08-20T18:44:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/extreme-events/</loc>
		<lastmod>2025-08-20T18:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/financial-reports/</loc>
		<lastmod>2025-08-20T18:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/funding-valuation/</loc>
		<lastmod>2025-08-20T18:46:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/funded-status/</loc>
		<lastmod>2025-08-20T18:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/governance-and-controls/</loc>
		<lastmod>2025-08-20T18:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/gain-and-loss-analysis/</loc>
		<lastmod>2025-08-20T18:47:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/guaranteed-policy-factors/</loc>
		<lastmod>2025-08-20T18:48:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/guaranteed-elements/</loc>
		<lastmod>2025-08-20T18:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/groups/</loc>
		<lastmod>2025-08-20T18:48:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/hold%e2%80%90out-data/</loc>
		<lastmod>2025-08-20T18:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-insurance/</loc>
		<lastmod>2025-08-20T18:49:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/illustration-actuary/</loc>
		<lastmod>2025-08-20T18:49:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/illustrated-scales/</loc>
		<lastmod>2025-08-20T18:49:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/information-date/</loc>
		<lastmod>2025-08-20T18:52:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-cash-flows/</loc>
		<lastmod>2025-08-20T18:53:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/insurer/</loc>
		<lastmod>2025-08-20T18:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/investment-yield-risk/</loc>
		<lastmod>2025-08-20T18:53:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/liability/</loc>
		<lastmod>2025-08-20T18:54:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/level-of-care/</loc>
		<lastmod>2025-08-20T18:54:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-duration-health-benefits/</loc>
		<lastmod>2025-08-20T18:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/margins/</loc>
		<lastmod>2025-08-20T18:56:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ltc-benefit-plans/</loc>
		<lastmod>2025-08-20T18:56:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-term-care-benefit-plan/</loc>
		<lastmod>2025-08-20T18:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-risk-benefits/</loc>
		<lastmod>2025-08-20T18:57:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/members/</loc>
		<lastmod>2025-08-20T18:58:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/materiality-standard/</loc>
		<lastmod>2025-08-20T18:58:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/methods/</loc>
		<lastmod>2025-08-20T18:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/membership-agreement/</loc>
		<lastmod>2025-08-20T18:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/modeling/</loc>
		<lastmod>2025-08-20T18:59:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/model/</loc>
		<lastmod>2025-08-20T18:59:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/moderately-adverse-deviation/</loc>
		<lastmod>2025-08-20T19:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/modeling-cells/</loc>
		<lastmod>2025-08-20T19:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/net-retained-business/</loc>
		<lastmod>2025-08-20T19:01:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/net-premium-reserves/</loc>
		<lastmod>2025-08-20T19:01:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/net-liabilities/</loc>
		<lastmod>2025-08-20T19:01:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/non-contractual-resident/</loc>
		<lastmod>2025-08-20T19:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nge-scale/</loc>
		<lastmod>2025-08-20T19:02:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nge-framework/</loc>
		<lastmod>2025-08-20T19:02:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nge/</loc>
		<lastmod>2025-08-20T19:02:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/occupancy-rates/</loc>
		<lastmod>2025-08-20T19:03:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonguaranteed-reinsurance-elements/</loc>
		<lastmod>2025-08-20T19:03:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonguaranteed-reinsurance-element-framework/</loc>
		<lastmod>2025-08-20T19:03:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonguaranteed-element-framework/</loc>
		<lastmod>2025-08-20T19:03:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/overfitting/</loc>
		<lastmod>2025-08-20T19:04:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/output/</loc>
		<lastmod>2025-08-20T19:05:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/other-cash-flows/</loc>
		<lastmod>2025-08-20T19:05:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/orsa-report/</loc>
		<lastmod>2025-08-20T19:05:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/participant/</loc>
		<lastmod>2025-08-20T19:08:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy-class/</loc>
		<lastmod>2025-08-20T19:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy/</loc>
		<lastmod>2025-08-20T19:11:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/periodic-costs/</loc>
		<lastmod>2025-08-20T19:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/policy-factors/</loc>
		<lastmod>2025-08-20T19:16:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumption-method/</loc>
		<lastmod>2025-08-20T19:23:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/provider-related-assets-liabilities/</loc>
		<lastmod>2025-08-20T19:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/program/</loc>
		<lastmod>2025-08-20T19:24:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/profit-margin/</loc>
		<lastmod>2025-08-20T19:25:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/recoverable/</loc>
		<lastmod>2025-08-20T19:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/radv/</loc>
		<lastmod>2025-08-20T19:26:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/refund-guarantees/</loc>
		<lastmod>2025-08-20T19:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reserve/</loc>
		<lastmod>2025-08-20T19:27:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/relevant-experience/</loc>
		<lastmod>2025-08-20T19:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-programs/</loc>
		<lastmod>2025-08-20T19:27:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reserves/</loc>
		<lastmod>2025-08-20T19:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/residual-market-expenses/</loc>
		<lastmod>2025-08-20T19:28:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/review/</loc>
		<lastmod>2025-08-20T19:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-capital-threshold/</loc>
		<lastmod>2025-08-20T19:29:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-funding/</loc>
		<lastmod>2025-08-20T19:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-classification-framework/</loc>
		<lastmod>2025-08-20T19:31:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-subject/</loc>
		<lastmod>2025-08-20T19:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-of-adverse-deviation/</loc>
		<lastmod>2025-08-20T19:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-measures/</loc>
		<lastmod>2025-08-20T19:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/service-provider/</loc>
		<lastmod>2025-08-20T19:32:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/scenarios-2/</loc>
		<lastmod>2025-08-20T19:33:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/scale/</loc>
		<lastmod>2025-08-20T19:33:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/spread-gain-actuarial-cost-methods/</loc>
		<lastmod>2025-08-20T19:33:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/social-insurance-programs/</loc>
		<lastmod>2025-08-20T19:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/stochastic/</loc>
		<lastmod>2025-08-20T19:34:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/sustainability/</loc>
		<lastmod>2025-08-20T19:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/sufficient/</loc>
		<lastmod>2025-08-20T19:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/underwriting-cash-flows/</loc>
		<lastmod>2025-08-20T19:37:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/underlying-product/</loc>
		<lastmod>2025-08-20T19:37:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/trend-2/</loc>
		<lastmod>2025-08-20T19:37:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unfunded-actuarial-accrued-liability-2/</loc>
		<lastmod>2025-08-20T19:37:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unearned-premium-reserve/</loc>
		<lastmod>2025-08-20T19:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/underwriting-profit/</loc>
		<lastmod>2025-08-20T19:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/underwriting-profit-margin/</loc>
		<lastmod>2025-08-20T19:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/withdrawal/</loc>
		<lastmod>2025-08-20T19:40:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/valuation-date/</loc>
		<lastmod>2025-08-20T19:40:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/valuation-basis/</loc>
		<lastmod>2025-08-20T19:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/unintended-bias/</loc>
		<lastmod>2025-08-20T19:41:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/minimum-value-mv-calculator/</loc>
		<lastmod>2025-08-20T19:44:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/users/</loc>
		<lastmod>2025-08-20T19:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/own-risk-and-solvency-assessment/</loc>
		<lastmod>2025-08-20T19:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pricing-valuation/</loc>
		<lastmod>2025-08-20T19:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/project-objective/</loc>
		<lastmod>2025-08-20T19:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/statutory-assessment-expenses/</loc>
		<lastmod>2025-08-20T19:47:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ae-analysis/</loc>
		<lastmod>2025-08-22T17:41:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ae-ratio/</loc>
		<lastmod>2025-08-22T17:58:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/accrued-benefits/</loc>
		<lastmod>2025-08-22T18:15:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actual-experience/</loc>
		<lastmod>2025-08-22T18:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actual-to-expected-analysis/</loc>
		<lastmod>2025-08-22T18:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actual-to-expected-ae-ratio/</loc>
		<lastmod>2025-08-22T18:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-accrued-liability/</loc>
		<lastmod>2025-08-22T18:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-assumptions/</loc>
		<lastmod>2025-08-22T18:46:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-balance-sheet/</loc>
		<lastmod>2025-08-22T18:48:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-communication/</loc>
		<lastmod>2025-08-22T18:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/accounting-date/</loc>
		<lastmod>2025-08-28T17:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-memorandum/</loc>
		<lastmod>2025-08-28T17:11:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-present-value-2/</loc>
		<lastmod>2025-08-28T17:11:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-soundness/</loc>
		<lastmod>2025-08-28T17:15:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/actuarial-valuation/</loc>
		<lastmod>2025-08-28T17:15:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/amortization-methods/</loc>
		<lastmod>2025-08-28T17:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/assisted-living-facilities/</loc>
		<lastmod>2025-08-28T17:17:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/avc/</loc>
		<lastmod>2025-08-28T17:19:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/benefit-options-2/</loc>
		<lastmod>2025-08-28T17:20:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/capital/</loc>
		<lastmod>2025-08-28T17:20:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/carved-out-services/</loc>
		<lastmod>2025-08-28T17:21:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/claims/</loc>
		<lastmod>2025-08-28T17:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/collectability/</loc>
		<lastmod>2025-08-28T17:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contract-reserves/</loc>
		<lastmod>2025-08-28T17:25:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/contribution-allocation-procedures/</loc>
		<lastmod>2025-08-28T17:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/costs/</loc>
		<lastmod>2025-08-28T17:27:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/counterparty-risk/</loc>
		<lastmod>2025-08-28T17:28:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/data/</loc>
		<lastmod>2025-08-28T17:52:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/debits-and-credits/</loc>
		<lastmod>2025-08-28T17:53:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/enterprise-risk-management/</loc>
		<lastmod>2025-08-28T17:57:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/enterprise-risk-management-erm-framework/</loc>
		<lastmod>2025-08-28T17:58:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/erm/</loc>
		<lastmod>2025-08-28T17:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/evaluation/</loc>
		<lastmod>2025-08-28T17:59:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/expenses/</loc>
		<lastmod>2025-08-28T18:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-factors/</loc>
		<lastmod>2025-08-28T18:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/experience-period/</loc>
		<lastmod>2025-08-28T18:01:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-benefit-plans/</loc>
		<lastmod>2025-08-28T18:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-insurance-assets/</loc>
		<lastmod>2025-08-28T18:05:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/health-insurance-liability/</loc>
		<lastmod>2025-08-28T18:05:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/historical-ae-analysis/</loc>
		<lastmod>2025-08-28T18:06:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/home-care/</loc>
		<lastmod>2025-08-28T18:06:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/immediate-gain-actuarial-cost-methods/</loc>
		<lastmod>2025-08-28T18:07:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/incurred-but-not-reported-ibnr-deaths/</loc>
		<lastmod>2025-08-28T18:07:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/individual/</loc>
		<lastmod>2025-08-28T18:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/le-provider/</loc>
		<lastmod>2025-08-28T18:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-term-care-ltc/</loc>
		<lastmod>2025-08-28T18:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/long-term-products-2/</loc>
		<lastmod>2025-08-28T18:12:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/loss/</loc>
		<lastmod>2025-08-28T18:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/ltc-2/</loc>
		<lastmod>2025-08-28T18:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/market-consistent-present-value/</loc>
		<lastmod>2025-08-28T18:14:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/measurement-dates/</loc>
		<lastmod>2025-08-28T18:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/measurement-period/</loc>
		<lastmod>2025-08-28T18:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/median-life-expectancy/</loc>
		<lastmod>2025-08-28T18:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/moderately-adverse-conditions/</loc>
		<lastmod>2025-08-28T18:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/modified-ae-analysis/</loc>
		<lastmod>2025-08-28T18:19:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/non-standard-plan-design/</loc>
		<lastmod>2025-08-28T18:21:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonforfeiture-benefits/</loc>
		<lastmod>2025-08-28T18:21:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nonproportional-features/</loc>
		<lastmod>2025-08-28T18:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/normal-costs/</loc>
		<lastmod>2025-08-28T18:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/nursing-home/</loc>
		<lastmod>2025-08-28T18:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/organization/</loc>
		<lastmod>2025-08-28T18:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/output-smoothing-methods/</loc>
		<lastmod>2025-08-28T18:37:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/plan-provisions/</loc>
		<lastmod>2025-08-28T18:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/premiums-2/</loc>
		<lastmod>2025-08-28T18:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumption-method-set-another-party/</loc>
		<lastmod>2025-08-28T18:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumption-or-method-set-by-law/</loc>
		<lastmod>2025-08-28T18:40:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumption-or-method-set-by-another-party/</loc>
		<lastmod>2025-08-28T18:41:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/prescribed-assumptions-methods-set-law/</loc>
		<lastmod>2025-08-28T18:42:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/present-value/</loc>
		<lastmod>2025-08-28T18:42:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/pricing/</loc>
		<lastmod>2025-08-28T18:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/profitability-analysis/</loc>
		<lastmod>2025-08-28T18:43:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/profitability-metrics/</loc>
		<lastmod>2025-08-28T18:44:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/provision-for-adverse-deviation/</loc>
		<lastmod>2025-08-28T18:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-agreement/</loc>
		<lastmod>2025-08-28T19:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-assumed/</loc>
		<lastmod>2025-08-28T19:22:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reinsurance-ceded/</loc>
		<lastmod>2025-08-28T19:22:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reserve-evaluation/</loc>
		<lastmod>2025-08-28T19:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/retiree-group-benefits-program-2/</loc>
		<lastmod>2025-08-28T19:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/reviewing-actuary/</loc>
		<lastmod>2025-08-28T19:25:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk/</loc>
		<lastmod>2025-08-28T19:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-capital/</loc>
		<lastmod>2025-08-28T19:27:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-limits/</loc>
		<lastmod>2025-08-28T19:28:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-management-system/</loc>
		<lastmod>2025-08-28T19:28:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-mitigation/</loc>
		<lastmod>2025-08-28T19:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/risk-sharing/</loc>
		<lastmod>2025-08-28T19:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/sensitivity-analysis/</loc>
		<lastmod>2025-08-28T19:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/glossary/standard/</loc>
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		<loc>https://actuary.org/glossary/x-factor-class/</loc>
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	<url>
		<loc>https://actuary.org/glossary/x-factors/</loc>
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	<url>
		<loc>https://actuary.org/glossary/gaap-net-premiums/</loc>
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