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		<loc>https://actuary.org/treasury-official-economy-improving-hiring-still-a-challenge/</loc>
		<lastmod>2009-07-21T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-class-act-too-costly/</loc>
		<lastmod>2009-07-23T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/big-divisions-over-pending-class-act/</loc>
		<lastmod>2009-07-29T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/several-naic-panels-vote-to-advance-standard-valuation-law/</loc>
		<lastmod>2009-07-29T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/value-based-insurance-design/</loc>
		<lastmod>2009-08-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/cost-of-collecting-early-social-security/</loc>
		<lastmod>2009-08-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/holtz-eakin-cites-actuarial-analysis-on-class-act/</loc>
		<lastmod>2009-08-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-a-z-of-pension-plans/</loc>
		<lastmod>2009-08-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/backgrounder-on-standard-valuation-law/</loc>
		<lastmod>2009-08-10T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/premium-factors-needed/</loc>
		<lastmod>2009-08-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/how-well-you-age-can-depend-on-you/</loc>
		<lastmod>2009-08-13T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/filling-in-the-details-on-principle-based-reserving/</loc>
		<lastmod>2009-08-14T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/collecting-social-security-early-comes-at-a-cost/</loc>
		<lastmod>2009-08-23T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-crazy-math-of-health-care-reform/</loc>
		<lastmod>2009-09-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/new-svl-moves-closer-to-reality/</loc>
		<lastmod>2009-09-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/social-security-and-cost-of-living-adjustments/</loc>
		<lastmod>2009-09-10T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/senior-fellow-discusses-retirement/</loc>
		<lastmod>2009-09-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/commentary-the-best-health-care-plan-youve-never-heard-of/</loc>
		<lastmod>2009-09-13T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/commentary-bending-the-health-care-cost-curve/</loc>
		<lastmod>2009-09-15T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuaries-applaud-principle-based-progress/</loc>
		<lastmod>2009-09-16T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/naic-panel-oks-valuation-law-changes/</loc>
		<lastmod>2009-09-21T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/in-health-care-premiums-who-gets-a-subsidy/</loc>
		<lastmod>2009-09-22T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/single-you-should-conscientiously-plan-retirement/</loc>
		<lastmod>2009-10-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/social-securitys-wheel-of-fortune/</loc>
		<lastmod>2009-10-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/antitrust-exemption-of-health-insurers-imperiled/</loc>
		<lastmod>2009-10-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/people-risk-very-tough-for-erm-regulators-to-manage/</loc>
		<lastmod>2009-10-09T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/health-care-gamble/</loc>
		<lastmod>2009-10-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/possibility-of-individual-mandate-prompts-insurers-to-beef-up-their-product-portfolios/</loc>
		<lastmod>2009-10-22T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/retirees-are-figuring-out-how-to-get-the-most-out-of-social-security/</loc>
		<lastmod>2009-10-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/commentary-dismiss-the-class/</loc>
		<lastmod>2009-10-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/proposed-long-term-insurance-program-raises-questions/</loc>
		<lastmod>2009-10-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/weak-mandate-hurts-overall-health-plans/</loc>
		<lastmod>2009-10-27T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/centrists-unsure-about-reids-public-option/</loc>
		<lastmod>2009-10-28T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/house-democrats-reveal-their-health-care-reform-plan/</loc>
		<lastmod>2009-10-29T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuaries-public-plan-would-need-billions-in-capital/</loc>
		<lastmod>2009-11-02T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/plan-creates-new-program-to-pay-for-long-term-care/</loc>
		<lastmod>2009-11-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/editorial-cooking-the-books/</loc>
		<lastmod>2009-11-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-d-c-s-failure-to-launch-national-health-care-policy/</loc>
		<lastmod>2009-11-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/kennedys-disability-plan-could-snag-health-bill/</loc>
		<lastmod>2009-11-11T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/senate-to-debate-health-care-reform/</loc>
		<lastmod>2009-11-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-care-fact-check/</loc>
		<lastmod>2009-11-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/should-long-term-care-insurance-be-part-of-health-reform/</loc>
		<lastmod>2009-12-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/is-your-nest-egg-safe-again/</loc>
		<lastmod>2009-12-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/public-long-term-care-insurance/</loc>
		<lastmod>2009-12-15T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/academy-says-pba-is-close-but-much-work-remains-in-2010/</loc>
		<lastmod>2009-12-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/government-insurance-for-long-term-care-likely-to-slip-into-final-healthcare-bill/</loc>
		<lastmod>2009-12-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/safe-and-sound-an-actuarial-approach-is-a-proven-way-to-empower-a-new-federal-risk-regulator/</loc>
		<lastmod>2010-01-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/the-best-and-worst-jobs/</loc>
		<lastmod>2010-01-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/rep-courtney-an-intelligent-response/</loc>
		<lastmod>2010-01-19T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/long-term-care-insurance-bills-prospects-diminish/</loc>
		<lastmod>2010-01-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-fear-reform-could-spur-higher-med-mal-rates/</loc>
		<lastmod>2010-01-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-fight-antitrust-repeal/</loc>
		<lastmod>2010-01-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-say-dont-move-health-care-bill-changing-antitrust-rule/</loc>
		<lastmod>2010-01-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/repealing-medical-liability-antitrust-exemption-could-raise-premiums-say-actuaries/</loc>
		<lastmod>2010-01-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cashing-out-of-your-401k-should-be-a-last-resort/</loc>
		<lastmod>2010-01-28T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/65-too-young-to-retire/</loc>
		<lastmod>2010-02-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-cares-new-hidden-danger/</loc>
		<lastmod>2010-02-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/fact-or-fiction-state-laws-thwart-must-buy-rule/</loc>
		<lastmod>2010-02-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/bill-would-apply-antitrust-laws-to-insurance/</loc>
		<lastmod>2010-02-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/a-summit-primer/</loc>
		<lastmod>2010-02-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/how-do-health-insurers-set-premiums/</loc>
		<lastmod>2010-02-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/forward-on-health-care/</loc>
		<lastmod>2010-02-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/minimize-risks-of-retirement/</loc>
		<lastmod>2010-02-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/update-health-care-reform/</loc>
		<lastmod>2010-03-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/senate-session/</loc>
		<lastmod>2010-03-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/does-of-reality/</loc>
		<lastmod>2010-03-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/singles-poised-to-reshape-retirement/</loc>
		<lastmod>2010-03-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/regulator-group-moves-to-reign-in-secondary-market-for-annuities/</loc>
		<lastmod>2010-03-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/health-care-going-from-broken-to-broke/</loc>
		<lastmod>2010-03-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/lowering-the-health-costs-of-womanhood-and-then-manhood/</loc>
		<lastmod>2010-03-30T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/long-term-care-part-of-health-reform-bill/</loc>
		<lastmod>2010-04-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/academy-says-pba-project-could-be-ready-for-legislatures-by-the-fall/</loc>
		<lastmod>2010-04-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-health-care-reform-means-for-long-term-care/</loc>
		<lastmod>2010-04-15T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/the-truth-about-health-care-reform/</loc>
		<lastmod>2010-04-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/inquiry-says-health-care-charges-were-proper/</loc>
		<lastmod>2010-04-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/workers-fight-uphill-battle-on-401k-retirement-savings/</loc>
		<lastmod>2010-04-30T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/401ks-claw-back-from-recession-and-bear-market/</loc>
		<lastmod>2010-05-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuary-act-fast-or-individual-health-insurers-will-flee/</loc>
		<lastmod>2010-05-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/details-on-the-class-act-pt-2/</loc>
		<lastmod>2010-05-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuaries-back-systemic-risk-oversight/</loc>
		<lastmod>2010-05-06T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/workers-fight-uphill-battle-with-401ks/</loc>
		<lastmod>2010-05-10T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/fixing-social-security-the-low-hanging-fruit/</loc>
		<lastmod>2010-05-11T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/health-reform-needs-young-people/</loc>
		<lastmod>2010-05-13T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/annuity-fraud-aimed-at-seniors-terminally-ill-gets-naics-ear/</loc>
		<lastmod>2010-05-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/new-medical-loss-ratio-requirements-could-disrupt-individual-market-naic-says/</loc>
		<lastmod>2010-05-24T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/lawmakers-debate-pension-govt-aid/</loc>
		<lastmod>2010-05-28T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/long-term-care-that-falls-short/</loc>
		<lastmod>2010-06-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/two-health-care-adversaries-find-a-need-to-collaborate/</loc>
		<lastmod>2010-06-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/enlisting-patients-in-the-fight-to-cut-costs/</loc>
		<lastmod>2010-06-07T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/retirement-long-term-care-that-falls-short/</loc>
		<lastmod>2010-06-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/a-little-more-respect-for-annuities/</loc>
		<lastmod>2010-06-10T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/feature-testimony-rips-into-stranger-originated-annuities-in-different-ways/</loc>
		<lastmod>2010-06-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/sbli-changing-times-make-unisex-insurance-pricing-law-outdated/</loc>
		<lastmod>2010-06-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/senate-holds-hearing-on-longevity-risk/</loc>
		<lastmod>2010-06-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuary-group-discusses-gasb-pension-accounting-changes/</loc>
		<lastmod>2010-06-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/raising-the-retirement-age-while-protecting-those-who-cannot-work/</loc>
		<lastmod>2010-07-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/waiting-to-collect-social-security/</loc>
		<lastmod>2010-07-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/new-law-helps-pay-for-long-term-care/</loc>
		<lastmod>2010-07-23T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/unisex-pricing-puts-insurer-at-disadvantage/</loc>
		<lastmod>2010-07-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/covering-new-ground-in-the-health-system-shift/</loc>
		<lastmod>2010-08-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/the-red-hot-debate-over-raising-the-retirement-age/</loc>
		<lastmod>2010-08-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/at-what-age-will-you-retire/</loc>
		<lastmod>2010-08-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/entitlements-safe-for-now-but-jobs-remain-key/</loc>
		<lastmod>2010-08-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/medicare-will-be-viable-to-2029-backing-obama-claim/</loc>
		<lastmod>2010-08-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/premiums-increase-despite-large-surplus/</loc>
		<lastmod>2010-08-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/poll-vote-for-how-you-would-fix-social-security/</loc>
		<lastmod>2010-08-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/rep-charles-w-boustany-jr-the-class-act-program-fails-to-make-the-grade/</loc>
		<lastmod>2010-08-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/helping-social-security-survive/</loc>
		<lastmod>2010-08-23T00:00:00+00:00</lastmod>
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		<lastmod>2010-08-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/group-urges-states-to-cap-reserves/</loc>
		<lastmod>2010-09-01T00:00:00+00:00</lastmod>
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		<lastmod>2010-09-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/deffered-tax-issue-still-on-radar/</loc>
		<lastmod>2010-09-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/should-the-retirement-age-be-raised/</loc>
		<lastmod>2010-09-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/retirement-leaders-push-for-lifetime-income-options-in-401ks/</loc>
		<lastmod>2010-09-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/raising-the-retirement-age-will-help-save-social-security/</loc>
		<lastmod>2010-09-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/rep-charles-w-boustany-jr-more-red-tape-for-small-business/</loc>
		<lastmod>2010-09-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/labor-dept-told-it-halts-employers-from-providing-more-retirement-aid/</loc>
		<lastmod>2010-09-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/new-health-regulations-to-take-effect-thursday/</loc>
		<lastmod>2010-09-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-insist-weve-got-to-retire-later/</loc>
		<lastmod>2010-09-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/ppaca-commenters-ask-for-commonsense-limits/</loc>
		<lastmod>2010-09-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/area-communities-are-facing-pension-crisis/</loc>
		<lastmod>2010-10-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-can-be-fixed/</loc>
		<lastmod>2010-10-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/want-to-retire-by-65-think-again/</loc>
		<lastmod>2010-10-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/credible-on-credibility/</loc>
		<lastmod>2010-10-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/vote-set-today-on-contentious-health-law-provision/</loc>
		<lastmod>2010-10-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/state-regulators-recommend-new-health-insurance-rules/</loc>
		<lastmod>2010-10-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/will-social-security-be-there-for-todays-young-workers/</loc>
		<lastmod>2010-10-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-academy-calls-for-increase-in-retirement-age/</loc>
		<lastmod>2010-10-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/academy-of-actuaries-says-raise-the-social-security-retirement-age/</loc>
		<lastmod>2010-10-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/a-letter-in-support-of-raising-the-retirement-age/</loc>
		<lastmod>2010-10-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/a-risk-management-reset-for-life-insurers/</loc>
		<lastmod>2010-11-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-68-could-be-the-new-65/</loc>
		<lastmod>2010-11-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-to-cut/</loc>
		<lastmod>2010-11-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/working-past-65-boomers-face-job-challenges-in-senior-years/</loc>
		<lastmod>2010-12-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuary-group-reinforces-call-for-consistent-pension-disclosures/</loc>
		<lastmod>2010-12-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/ill-show-you-my-genome-will-you-show-me-yours/</loc>
		<lastmod>2011-01-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/telecomm-giant-sees-hefty-charge-on-pension-accounting-change/</loc>
		<lastmod>2011-01-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/editorial-tax-holiday-cutting-fica-nothing-to-cheer/</loc>
		<lastmod>2011-01-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/obamacare-and-the-class-act/</loc>
		<lastmod>2011-01-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/state-of-retirement/</loc>
		<lastmod>2011-01-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-state-of-the-union-2011/</loc>
		<lastmod>2011-01-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/its-time-for-actuaries-to-stand-up-and-be-counted/</loc>
		<lastmod>2011-01-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-repealing-new-entitlements-will-reduce-the-deficit/</loc>
		<lastmod>2011-01-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-health-reform-inflates-insurance-costs/</loc>
		<lastmod>2011-01-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-pension-reforms-do-not-go-far-enough/</loc>
		<lastmod>2011-01-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/class-act-is-now-live/</loc>
		<lastmod>2011-01-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/rep-guinta-talks-u-s-budget-in-laconia/</loc>
		<lastmod>2011-01-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/awaiting-health-laws-prognosis/</loc>
		<lastmod>2011-02-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/five-ways-to-fix-social-security-before-it-runs-dry/</loc>
		<lastmod>2011-02-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/nursing-home-blues/</loc>
		<lastmod>2011-02-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/long-term-care-needs-changes-officials-say/</loc>
		<lastmod>2011-02-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/obama-moving-to-address-flaws-in-public-option-for-long-term-care/</loc>
		<lastmod>2011-02-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-stamford-squeezing-front-line-workers/</loc>
		<lastmod>2011-03-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-everyone-asking-about-mandate-alternatives/</loc>
		<lastmod>2011-03-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/how-insurance-companies-estimate-costs-and-price-health-insurance-policies/</loc>
		<lastmod>2011-03-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/can-there-be-life-after-the-mandate/</loc>
		<lastmod>2011-03-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/subcommittee-sets-class-act-hearing/</loc>
		<lastmod>2011-03-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-show-support-for-individual-mandate-but-if-repealed-alternatives-are-needed/</loc>
		<lastmod>2011-03-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/9-alternatives-to-individual-health-insurance-mandate-will-they-work/</loc>
		<lastmod>2011-03-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-obamacare-has-class-but-actuaries-see-problems/</loc>
		<lastmod>2011-03-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/naic-to-feds-figure-out-what-you-want-to-do/</loc>
		<lastmod>2011-03-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-stop-class-act-before-it-adds-to-budget-pains/</loc>
		<lastmod>2011-04-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/pension-hunting/</loc>
		<lastmod>2011-04-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/fixes-for-the-biggest-retirement-risks/</loc>
		<lastmod>2011-04-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuary-group-suggests-rx-for-individual-mandate/</loc>
		<lastmod>2011-04-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/public-retirees-surge-as-states-cut-benefits-to-shrink-deficits/</loc>
		<lastmod>2011-04-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-let-the-sun-shine-in-on-public-pensions-benefits/</loc>
		<lastmod>2011-05-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/singles-couples-face-own-retirement-issues/</loc>
		<lastmod>2011-05-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/when-benefits-bite-back/</loc>
		<lastmod>2011-05-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cbo-change-public-pension-accounting-to-fair-value-method/</loc>
		<lastmod>2011-05-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-to-look-for-in-social-security-medicare-forecasts/</loc>
		<lastmod>2011-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/8-things-to-know-about-medicare-and-social-security-trust-funds/</loc>
		<lastmod>2011-05-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medicare-social-security-funds-expiring-sooner-u-s-says/</loc>
		<lastmod>2011-05-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/dont-count-on-your-employer-for-accurate-pension-info/</loc>
		<lastmod>2011-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-ppaca-could-help-with-increasing-medicare-eligibility-age/</loc>
		<lastmod>2011-05-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/essential-benefits-still-being-considered/</loc>
		<lastmod>2011-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-fact-checker-a-pox-on-both-their-mediscare-houses/</loc>
		<lastmod>2011-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/faci-actuaries-ask-for-voice-on-new-federal-insurance-panel/</loc>
		<lastmod>2011-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-fix-medicare-now-to-avoid-breakdown/</loc>
		<lastmod>2011-06-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/are-insurers-systemically-significant/</loc>
		<lastmod>2011-06-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/pension-cash-outs-are-coming/</loc>
		<lastmod>2011-07-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gao-analyzes-annuity-options/</loc>
		<lastmod>2011-07-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-preserving-employer-sponsored-health-care-protects-americas-middle-class/</loc>
		<lastmod>2011-07-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/academy-rep-urges-congress-to-increase-retirement-age/</loc>
		<lastmod>2011-07-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/proposed-changes-to-social-security-benefits/</loc>
		<lastmod>2011-07-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/congress-must-raise-retirement-age-to-save-social-security-program-aaa/</loc>
		<lastmod>2011-07-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-higher-social-security-retirement-age-needed-to-save-program/</loc>
		<lastmod>2011-07-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/consider-effects-of-dipping-into-pension/</loc>
		<lastmod>2011-07-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/is-the-27-club-a-statistical-quirk/</loc>
		<lastmod>2011-07-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/5-myths-about-social-security/</loc>
		<lastmod>2011-07-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-suggest-raise-in-social-security-retirement-age/</loc>
		<lastmod>2011-07-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/academy-we-should-have-access-to-pbr-study-data/</loc>
		<lastmod>2011-08-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-high-deductible-health-plans-drive-insurance-costs-down/</loc>
		<lastmod>2011-08-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/long-term-care-insurance-gets-a-makeover/</loc>
		<lastmod>2011-08-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-a-little-light-summer-reading/</loc>
		<lastmod>2011-08-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-issues-discipline-notice-4/</loc>
		<lastmod>2011-08-30T15:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/back-up-plans-for-the-individual-mandate/</loc>
		<lastmod>2011-09-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-to-super-committee-slow-overall-health-spending-not-just-medicare/</loc>
		<lastmod>2011-09-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/as-super-committee-ponders-medicare-cuts-actuaries-weigh-in/</loc>
		<lastmod>2011-09-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/class-act-under-fire-but-experts-see-plenty-of-fixes/</loc>
		<lastmod>2011-09-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/industry-calls-for-specifics-as-fsoc-looks-to-delay-systemic-risk-rules/</loc>
		<lastmod>2011-09-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/married-or-single-who-has-the-advantage-in-retirement-planning/</loc>
		<lastmod>2011-09-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/retirement-heist-how-firms-trimmed-pensions/</loc>
		<lastmod>2011-09-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/proposed-rules-threaten-fabric-of-river-life-in-port-deposit/</loc>
		<lastmod>2011-10-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/faq-what-factors-affect-the-future-of-class/</loc>
		<lastmod>2011-10-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/major-blow-to-health-care-law/</loc>
		<lastmod>2011-10-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/suspension-of-class-program-hearing/</loc>
		<lastmod>2011-10-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/commentary-taxing-health-benefits-would-make-budget-problem-worse-not-better/</loc>
		<lastmod>2011-10-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/naic-to-scrutinize-contingent-annuities/</loc>
		<lastmod>2011-11-06T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/retirement-heist-overlooked-causes-of-the-retirement-crisis/</loc>
		<lastmod>2011-11-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/interest-group-wish-list-a-window-into-the-challenge-for-the-super-committee/</loc>
		<lastmod>2011-11-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/payroll-tax-cut-its-not-just-for-the-middle-class/</loc>
		<lastmod>2011-12-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-state-regulation-framework-just-peachy-for-contingent-annuities/</loc>
		<lastmod>2011-12-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/acquiring-costs-new-accounting-guideline-changes-how-business-acquisition-costs-are-charged-against-stockholder-equity/</loc>
		<lastmod>2012-01-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/carriers-look-beyond-variable-annuities/</loc>
		<lastmod>2012-01-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/rep-boustany-repeal-ponzi-scheme-known-as-class/</loc>
		<lastmod>2012-01-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/the-bucket-actuaries-identify-four-national-priorities/</loc>
		<lastmod>2012-01-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/house-and-senate-at-impasse-on-medicare-payments/</loc>
		<lastmod>2012-02-06T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/why-are-amr-pension-estimates-so-different/</loc>
		<lastmod>2012-02-06T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/preparing-for-long-term-care-any-good-options/</loc>
		<lastmod>2012-02-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/in-health-care-reform-brokers-future-unclear/</loc>
		<lastmod>2012-02-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/as-corporations-leave-pensions-behind-life-insurers-tap-pension-risk-transfers/</loc>
		<lastmod>2012-02-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/naic-subgroup-says-contingent-deferred-annuities-are-a-life-insurance-product/</loc>
		<lastmod>2012-02-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/white-collar-gm-workers-to-see-pensions-pinched/</loc>
		<lastmod>2012-02-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/new-accounting-rule-could-cost-dod-billions/</loc>
		<lastmod>2012-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/2012-a-pivotal-year-for-making-pension-plan-decisions/</loc>
		<lastmod>2012-03-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-fight-goes-on/</loc>
		<lastmod>2012-03-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/naic-working-on-group-ltd-valuation-table/</loc>
		<lastmod>2012-03-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/planning-for-old-age-gets-costlier/</loc>
		<lastmod>2012-03-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/retirement-hell-forecast-by-windsor-based-limra/</loc>
		<lastmod>2012-03-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/some-unlnsurables-face-extra-hurdle-in-getting-coverage-for-preexisting-aliments/</loc>
		<lastmod>2012-03-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/argument-preview-health-care-iii-beyond-the-mandate/</loc>
		<lastmod>2012-03-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/getting-kids-interested-in-math-careers-may-require-a-hero/</loc>
		<lastmod>2012-03-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-insurers-move-ahead-with-or-without-individual-mandate/</loc>
		<lastmod>2012-04-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-happens-if-the-individual-mandate-falls/</loc>
		<lastmod>2012-04-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-medicare-report-card-on-tap/</loc>
		<lastmod>2012-04-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-defines-qualified/</loc>
		<lastmod>2012-04-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/pensions-peril-or-profit/</loc>
		<lastmod>2012-04-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/fords-lump-sum-offer-is-a-first-for-u-s/</loc>
		<lastmod>2012-04-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/when-should-employees-take-a-pension-buyout/</loc>
		<lastmod>2012-05-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/principles-based-reporting-on-track-for-summer-adoption/</loc>
		<lastmod>2012-05-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/is-your-actuary-qualified/</loc>
		<lastmod>2012-05-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-make-suggestions-for-stabilizing-pension-funding/</loc>
		<lastmod>2012-05-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-medicare-trust-fund-looks-awful/</loc>
		<lastmod>2012-05-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/is-the-veralytic-report-a-useful-tool-for-advisors-in-evaluating-life-insurance/</loc>
		<lastmod>2012-05-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/can-workers-offset-social-security-cuts-by-working-longer/</loc>
		<lastmod>2012-05-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/retirement-system-is-one-of-the-best/</loc>
		<lastmod>2012-06-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/without-patient-centered-health-plans-mass-is-using-the-same-tired-script/</loc>
		<lastmod>2012-06-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/two-biggest-retirement-misconceptions/</loc>
		<lastmod>2012-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/oecd-retirement-age-must-rise/</loc>
		<lastmod>2012-06-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/aaa-panel-seeks-comments-on-ltci-rate-draft/</loc>
		<lastmod>2012-06-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/disability-insurance-observer-retirement-income/</loc>
		<lastmod>2012-06-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-chaos-of-a-narrow-ruling/</loc>
		<lastmod>2012-06-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/intelligent-debate/</loc>
		<lastmod>2012-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/farms-of-all-sizes-needed-for-crop-insurance-to-work-properly/</loc>
		<lastmod>2012-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/wayne-county-taxpayers-on-hook-for-600m-as-generous-pensions-drain-fund/</loc>
		<lastmod>2012-06-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/national-flood-insurance-program/</loc>
		<lastmod>2012-06-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-say-individual-mandate-key-to-viable-health-insurance-market/</loc>
		<lastmod>2012-06-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/looking-for-cash-congress-finds-some-in-a-corporate-pension-rule-tweak/</loc>
		<lastmod>2012-06-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-now-for-health-care-reform/</loc>
		<lastmod>2012-06-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-state-is-ignoring-proven-care-options/</loc>
		<lastmod>2012-07-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/companies-win-cut-in-pension-contributions-critics-say-saving-the-plans-is-even-bigger-worry/</loc>
		<lastmod>2012-07-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cubs-outlive-bears-both-outlive-fans/</loc>
		<lastmod>2012-07-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/no-one-said-getting-to-pbr-would-be-easy/</loc>
		<lastmod>2012-07-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/more-state-pension-plans-cutting-assumed-return-rates/</loc>
		<lastmod>2012-07-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/refine-long-term-care-insurance-actuary-says/</loc>
		<lastmod>2012-07-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/80-funded-ratio-of-pension-plans-a-myth/</loc>
		<lastmod>2012-07-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/when-pension-myths-confront-reality/</loc>
		<lastmod>2012-07-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-call-80-rule-on-defined-benefit-pension-plans-myth/</loc>
		<lastmod>2012-07-26T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/public-pension-funds-need-to-set-more-realistic-goals/</loc>
		<lastmod>2012-07-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuary-group-takes-aim-at-80-funding-benchmark/</loc>
		<lastmod>2012-08-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/funded-ratio-not-a-sufficient-measure-of-db-health/</loc>
		<lastmod>2012-08-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/fiduciary-links-is-80-healthy-the-same-thing-as-healthy/</loc>
		<lastmod>2012-08-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/congresss-way-of-paying-for-map-21-2/</loc>
		<lastmod>2012-08-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/boomers-need-health-care-costs-reality-check/</loc>
		<lastmod>2012-08-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/congresss-way-of-paying-for-map-21/</loc>
		<lastmod>2012-08-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/future-of-benefits-a-critical-issue-in-presidential-election/</loc>
		<lastmod>2012-08-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/raising-the-medicare-eligibility-age-harms-minorities-is-a-benefits-reduction-experts-say/</loc>
		<lastmod>2012-08-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/how-health-insurance-companies-and-employers-are-dealing-with-the-new-medical-loss-ratio-mandate/</loc>
		<lastmod>2012-08-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/acli-asks-federal-insurance-office-for-help-on-reinsurance/</loc>
		<lastmod>2012-08-31T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/five-annuity-moves-raising-the-stakes-for-retirement/</loc>
		<lastmod>2012-09-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/social-security-deficit-deepens/</loc>
		<lastmod>2012-10-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/lets-establish-professional-standards-for-bankers/</loc>
		<lastmod>2012-10-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/benefits-and-challenges-of-medicaid-managed-care/</loc>
		<lastmod>2012-10-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/study-not-expanding-medicaid-could-impact-private-costs/</loc>
		<lastmod>2012-10-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/implementing-health-reform-essential-health-benefits-actuarial-value-and-accreditation/</loc>
		<lastmod>2012-11-21T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/testimony-before-the-new-jersey-senate-health-human-services-and-senior-citizens-committee/</loc>
		<lastmod>2012-11-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/report-21-states-pension-systems-not-fiscally-sound/</loc>
		<lastmod>2012-11-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/a-violin-without-a-bow-is-no-violin/</loc>
		<lastmod>2012-11-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/note-to-morningstar-municipal-and-state-pension-hemorrhage-accelerating/</loc>
		<lastmod>2012-11-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medi-cal-expansion-needed-in-california/</loc>
		<lastmod>2012-12-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/benefit-groups-tailor-policy-agendas-to-congressional-lame-duck-session/</loc>
		<lastmod>2012-12-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/illinois-a-long-history-of-underfunded-pensions/</loc>
		<lastmod>2012-12-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/insurance-analysts-obamacare-to-increase-out-of-pocket-premium-costs-despite-lavish-subsidies/</loc>
		<lastmod>2013-01-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/obamacare-mandate-may-be-mandate-plus/</loc>
		<lastmod>2013-01-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/putting-on-obamacare/</loc>
		<lastmod>2013-01-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/stronger-opt-out-penalty-needed-to-keep-health-care-reform-affordable/</loc>
		<lastmod>2013-01-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/legislators-concerned-about-spiraling-state-pension-obligations/</loc>
		<lastmod>2013-01-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medicaid-expansion-leads-chambers-list-of-legislative-priorities/</loc>
		<lastmod>2013-02-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/op-ed-expanding-medicaid-insuring-jobless-is-right-costs-less-than-their-er-care/</loc>
		<lastmod>2013-02-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/reps-butterfield-price-and-watt-to-general-assembly-rejecting-medicaid-expansion-would-hurt-n-c-economy-devastate-working-families/</loc>
		<lastmod>2013-02-07T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/n-c-gop-relying-on-specious-claims-to-get-medicaid-bill-closer-to-passage/</loc>
		<lastmod>2013-02-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/state-of-illinois-record-of-shorting-pensions-goes-back-decades/</loc>
		<lastmod>2013-02-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-care-defies-predictions/</loc>
		<lastmod>2013-03-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/aaa-forms-ltci-terminations-work-group/</loc>
		<lastmod>2013-04-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/federal-drive-interviews-stephen-goss-chief-actuary-social-security-administration/</loc>
		<lastmod>2013-04-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/from-the-notebook-the-calpers-pension-fund-risk-report/</loc>
		<lastmod>2013-04-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/blues-increasingly-turn-to-tiered-networks-to-compete-in-transparent-2014-market/</loc>
		<lastmod>2013-04-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-best-of-2013/</loc>
		<lastmod>2013-04-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/saving-social-security-why-new-proposals-are-drawing-fire/</loc>
		<lastmod>2013-04-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/understanding-the-reasons-for-premium-changes-under-the-aca/</loc>
		<lastmod>2013-05-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-in-action-why-its-rated-the-number-one-profession/</loc>
		<lastmod>2013-05-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-say-ppaca-may-have-mixed-effects-on-costs/</loc>
		<lastmod>2013-05-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-shocking-truth-understanding-aca-related-premium-changes-is-complicated/</loc>
		<lastmod>2013-05-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/two-states-say-2014-obamacare-insurance-costs-on-low-side/</loc>
		<lastmod>2013-05-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/insurers-consumers-still-face-uncertainty-over-health-insurance-premium-prices/</loc>
		<lastmod>2013-05-22T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/senior-panel-to-consider-ltci-model-update/</loc>
		<lastmod>2013-05-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/moneylife-interviews-academy-senior-pension-fellow-fuerst-on-social-securitys-sustainability/</loc>
		<lastmod>2013-05-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gao-makes-medpac-appointments/</loc>
		<lastmod>2013-05-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/no-more-social-security-at-62/</loc>
		<lastmod>2013-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/your-health-insurance-company-may-owe-you-money/</loc>
		<lastmod>2013-06-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medicare-gains-ground-but-still-in-peril/</loc>
		<lastmod>2013-06-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/proposed-pbgc-changes-cause-concern/</loc>
		<lastmod>2013-06-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/can-this-plan-avert-a-national-retirement-disaster/</loc>
		<lastmod>2013-06-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/ohio-expecting-to-see-higher-insurer-costs-in-2014/</loc>
		<lastmod>2013-06-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/as-storms-rage-clouds-loom-over-federal-flood-insurance-program/</loc>
		<lastmod>2013-06-13T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/john-bogle-social-securitys-the-greatest-fixed-income-youll-ever-get/</loc>
		<lastmod>2013-06-14T00:00:00+00:00</lastmod>
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		<lastmod>2013-06-17T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/living-longer-lack-of-lifetime-income-risky-business-2/</loc>
		<lastmod>2013-06-19T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/restructuring-medicare/</loc>
		<lastmod>2013-06-20T00:00:00+00:00</lastmod>
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		<lastmod>2013-07-07T17:09:41+00:00</lastmod>
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		<lastmod>2013-07-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/living-longer-lack-of-lifetime-income-risky-business/</loc>
		<lastmod>2013-07-08T00:00:00+00:00</lastmod>
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		<lastmod>2013-07-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/retirement-income-wheres-the-innovation/</loc>
		<lastmod>2013-07-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/dont-blame-pensioners-for-detroits-fiscal-crisis/</loc>
		<lastmod>2013-07-14T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/make-it-easy-to-live-well-longer/</loc>
		<lastmod>2013-07-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/how-sex-can-sell-annuities/</loc>
		<lastmod>2013-07-17T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/experts-warn-of-retirement-crisis/</loc>
		<lastmod>2013-07-23T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/bipartisan-proposals-to-reform-social-security-benefit-adjustments/</loc>
		<lastmod>2013-07-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/risky-business-living-longer-without-income-for-life/</loc>
		<lastmod>2013-07-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/financial-planning-americans-advised-to-plan-for-their-lifetime-income-needs/</loc>
		<lastmod>2013-07-30T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/funded-status/</loc>
		<lastmod>2013-08-01T00:00:00+00:00</lastmod>
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		<lastmod>2013-08-02T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/morris-detroits-bankruptcy-wasnt-surprising-and-the-cause-isnt-simple/</loc>
		<lastmod>2013-08-04T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/public-pensions-up-12-get-most-in-2-years-as-stocks-soar/</loc>
		<lastmod>2013-08-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/will-those-exchange-menus-work/</loc>
		<lastmod>2013-08-07T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/sen-harkins-social-security-fix/</loc>
		<lastmod>2013-08-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/health-insurance-risk-management/</loc>
		<lastmod>2013-08-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/pbgcs-deficit-calculations-deemed-reasonable/</loc>
		<lastmod>2013-08-23T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-confirm-pbgc-deficit-calculation/</loc>
		<lastmod>2013-08-26T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/pbgc-deficit-assumptions-deemed-reasonable/</loc>
		<lastmod>2013-08-26T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/perspectives-on-the-pbgc-single-employer-deficit/</loc>
		<lastmod>2013-08-26T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/some-pensions-embrace-riskier-assets/</loc>
		<lastmod>2013-08-27T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/pbgc-deficit-is-real/</loc>
		<lastmod>2013-08-28T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/study-obamacare-rate-concerns-overblown/</loc>
		<lastmod>2013-08-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/planning-for-retirement-social-security-will-cramp-your-style/</loc>
		<lastmod>2013-08-30T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/add-an-annuity-to-your-retirement-income-mix/</loc>
		<lastmod>2013-09-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-joint-committee-on-retiree-healths-comments-on-the-second-exposure-draft-of-asop-no-6/</loc>
		<lastmod>2013-09-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/client-update-naic-2013-summer-national-meeting/</loc>
		<lastmod>2013-09-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/ill-governor-to-legislators-no-pay-until-you-fix-nations-worst-pension-system/</loc>
		<lastmod>2013-09-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-medical-loss-ratio-regulation-work-groups-public-comments-to-cms/</loc>
		<lastmod>2013-09-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/how-detroit-went-broke-the-answers-may-surprise-you-and-dont-blame-coleman-young/</loc>
		<lastmod>2013-09-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/asb-adopts-revised-introduction-and-numbers-it-asop-no-1/</loc>
		<lastmod>2013-09-17T17:09:34+00:00</lastmod>
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		<loc>https://actuary.org/academy-pension-committees-letter-to-the-irs-suggesting-improvements-to-electronic-filing/</loc>
		<lastmod>2013-09-24T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/10-surprising-and-irritating-facts-about-flood-insurance/</loc>
		<lastmod>2013-09-30T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/asb-approves-exposure-draft-of-a-revision-of-asop-no-8/</loc>
		<lastmod>2013-10-02T17:10:42+00:00</lastmod>
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		<loc>https://actuary.org/acli-seeks-pbr-extension-for-small-or-low-risk-life-insurers/</loc>
		<lastmod>2013-10-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/pension-committees-comments-to-pbgc-regarding-proposed-regulations-on-premium-rates-payment-of-premiums-and-reducing-regulatory-burdens-were-highlighted/</loc>
		<lastmod>2013-10-04T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/highligted-academy-pension-finance-task-forces-comments-to-asb-on-the-exposure-draft-of-the-proposed-asop-on-modeling/</loc>
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		<loc>https://actuary.org/highlighted-academy-pension-finance-task-forces-public-letter-to-fasb-providing-suggestions-based-on-financial-economics-to-improve-accounting-for-single-employer-pension-plans/</loc>
		<lastmod>2013-10-04T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/california-law-puts-accelerated-death-benefits-under-spotlight/</loc>
		<lastmod>2013-10-08T00:00:00+00:00</lastmod>
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		<lastmod>2013-10-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/could-assumptions-harm-your-retirement-plan/</loc>
		<lastmod>2013-10-09T00:00:00+00:00</lastmod>
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		<lastmod>2013-10-11T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/should-social-security-get-rid-of-its-earnings-cap/</loc>
		<lastmod>2013-10-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/i-want-to-be-an-actuary/</loc>
		<lastmod>2013-10-21T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/put-your-401k-to-the-test/</loc>
		<lastmod>2013-10-26T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/how-rejecting-medicaid-funding-boosts-the-new-marketplace-rates/</loc>
		<lastmod>2013-10-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/why-insurers-cancel-policies-and-what-you-can-do-when-it-happens/</loc>
		<lastmod>2013-10-31T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-06T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-06T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-07T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/mental-health-parity-regs-include-employer-exemption/</loc>
		<lastmod>2013-11-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obama-is-boxed-in-by-bill-clinton/</loc>
		<lastmod>2013-11-12T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/insurance-health-care-experts-say-obamas-fix-is-bad-medicine/</loc>
		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obama-health-law-fix-may-cost-government-money/</loc>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/obama-moves-to-avert-cancellation-of-insurance/</loc>
		<lastmod>2013-11-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/its-on-us-health-law-to-change/</loc>
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		<lastmod>2013-11-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obamacare-woes-continue/</loc>
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	<url>
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		<lastmod>2013-11-15T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-15T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/one-state-wont-allow-obamacare-fix-but-one-insurer-is-ok-with-it/</loc>
		<lastmod>2013-11-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obama-to-meet-with-insurance-ceos-friday/</loc>
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		<lastmod>2013-11-17T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-20T00:00:00+00:00</lastmod>
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		<lastmod>2013-11-22T00:00:00+00:00</lastmod>
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		<lastmod>2013-12-05T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/group-drafts-individual-disability-table/</loc>
		<lastmod>2013-12-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/compare-policy-to-state-exchange/</loc>
		<lastmod>2013-12-08T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/sen-mike-johanns-r-neb-senate-floor-speech/</loc>
		<lastmod>2013-12-11T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obama-administration-extends-state-high-risk-pools-through-january/</loc>
		<lastmod>2013-12-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/buying-into-obamacare-a-better-plan-comes-with-tradeoffs/</loc>
		<lastmod>2013-12-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/time-for-affordability/</loc>
		<lastmod>2013-12-27T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/american-academy-of-actuaries-explains-why-pbo-estimates-conflict/</loc>
		<lastmod>2014-01-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/memphis-city-council-considers-hiring-its-own-pension-expert/</loc>
		<lastmod>2014-01-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/pbgc-reduces-premium-filing-burdens/</loc>
		<lastmod>2014-01-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-using-map-21-discount-rates-for-reporting-pension-obligations-can-be-a-map-to-misinformation/</loc>
		<lastmod>2014-01-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/text-of-american-academy-of-actuaries-letter-to-congress-on-financial-accounting-standards-and-map-21/</loc>
		<lastmod>2014-01-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obamacare-has-youth-problem/</loc>
		<lastmod>2014-01-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/nearly-a-quarter-of-health-marketplace-enrollees-are-young-adults-2/</loc>
		<lastmod>2014-01-13T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/nearly-a-quarter-of-health-marketplace-enrollees-are-young-adults/</loc>
		<lastmod>2014-01-13T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/average-connecticut-teacher-retires-with-47000-pension/</loc>
		<lastmod>2014-01-14T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-gops-anti-bailout-obamacare-legislation-could-backfire/</loc>
		<lastmod>2014-01-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/access-health-ct-closes-in-on-100000-goal-ceo-says-safeguards-hedge-against-older-enrollees/</loc>
		<lastmod>2014-01-16T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/medpac-votes-for-site-neutral-medicare-payments/</loc>
		<lastmod>2014-01-16T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-offers-framework-for-evaluating-retirement-plans/</loc>
		<lastmod>2014-01-17T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/independent-retirement-plans-would-benefit-employers-employees-actuary-group/</loc>
		<lastmod>2014-01-17T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-offer-some-sober-retirement-principles/</loc>
		<lastmod>2014-01-20T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-case-for-pooling-savings/</loc>
		<lastmod>2014-01-21T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/explaining-risk-corridors-the-next-obamacare-issue/</loc>
		<lastmod>2014-01-22T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/gop-dems-set-to-collide-in-high-risk-corridor/</loc>
		<lastmod>2014-01-23T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obamacare-risk-corridors-spur-debt-ceiling-showdown/</loc>
		<lastmod>2014-01-24T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-urge-obama-to-take-action-on-social-security/</loc>
		<lastmod>2014-01-27T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/heres-the-deal-with-the-obamacare-bailout/</loc>
		<lastmod>2014-01-27T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/social-security-medicare-drop-in-public-interest-for-state-of-the-union-but-top-issues-for-actuaries/</loc>
		<lastmod>2014-01-28T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/president-called-on-to-include-solvency-in-state-of-the-union-address/</loc>
		<lastmod>2014-01-28T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/american-academy-of-actuaries-seeks-seat-on-faci/</loc>
		<lastmod>2014-01-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/savings-plans-for-low-income-workers-ready-by-year-end-lew-says/</loc>
		<lastmod>2014-01-29T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/obama-unveils-savings-proposal-for-workers-lacking-401k/</loc>
		<lastmod>2014-01-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/shift-retirement-plans-away-from-employers-2/</loc>
		<lastmod>2014-01-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-urges-federal-insurance-office-to-include-actuaries-on-advisory-committee/</loc>
		<lastmod>2014-01-29T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-health-laws-3-rs-for-insurers-a-bailout-or-necessary-safeguards-2/</loc>
		<lastmod>2014-01-30T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/how-could-myra-and-other-proposals-help-with-your-retirement/</loc>
		<lastmod>2014-02-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/text-of-comments-by-pension-committee-of-the-american-academy-of-actuaries-on-proposed-revision-of-asop-no-35-pdf/</loc>
		<lastmod>2014-02-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/harkins-universal-retirement-plan-called-a-good-start-despite-some-hurdles/</loc>
		<lastmod>2014-02-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/what-they-are-saying-on-the-3rs-from-the-actuaries-and-think-tanks/</loc>
		<lastmod>2014-02-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/house-gop-eyes-debt-ceiling-fight-prize/</loc>
		<lastmod>2014-02-04T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-affordable-care-act-risk-corridor-program-is-two-sided/</loc>
		<lastmod>2014-02-05T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/house-oversight-committee-hearing-why-the-need-for-an-insurance-company-bailout/</loc>
		<lastmod>2014-02-05T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/cbo-says-obamacares-bailouts-might-make-money-for-the-government-heres-why-cbo-might-be-wrong/</loc>
		<lastmod>2014-02-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/academy-pledges-assistance-with-insurance-modernization/</loc>
		<lastmod>2014-02-05T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-obamacare-bailout-battle/</loc>
		<lastmod>2014-02-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/generational-accounting-is-complex-confusing-and-uninformative/</loc>
		<lastmod>2014-02-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-affordable-care-act-risk-corridor-program-is-two-sided-limiting-both-gains-and-losses-2/</loc>
		<lastmod>2014-02-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-health-laws-3-rs-for-insurers-a-bailout-or-necessary-safeguards/</loc>
		<lastmod>2014-02-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/public-pensions-funded-less-than-private-counterparts/</loc>
		<lastmod>2014-02-09T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/aca-risk-corridor-for-insurers-limits-gains-and-losses/</loc>
		<lastmod>2014-02-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/what-republicans-and-democrats-dont-understand-about-the-insurance-company-bailout/</loc>
		<lastmod>2014-02-12T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/2013-insurance-industry-year-end-review-and-forecast-for-2014/</loc>
		<lastmod>2014-02-14T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/companies-bracing-for-1-2-retirement-punch/</loc>
		<lastmod>2014-02-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/funding-a-quality-pension-fund-is-a-balancing-act-2/</loc>
		<lastmod>2014-02-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/academy-affordable-care-act-risk-corridor-program-is-two-sided-limiting-both-gains-and-losses/</loc>
		<lastmod>2014-02-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/recommendations-for-public-pension-funding-policies/</loc>
		<lastmod>2014-02-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/funding-a-quality-pension-fund-is-a-balancing-act/</loc>
		<lastmod>2014-02-21T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/commonwealth-fund-puts-impact-of-young-adult-marketplace-participation-in-perspective/</loc>
		<lastmod>2014-02-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/just-the-essentials-clarifying-complex-public-policy-issues/</loc>
		<lastmod>2014-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/just-the-essentials-new-academy-series-makes-complex-public-policy-issues-clear/</loc>
		<lastmod>2014-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-announces-health-care-cost-initiative/</loc>
		<lastmod>2014-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-announces-health-care-cost-initiative-2/</loc>
		<lastmod>2014-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/just-the-essentials-clarifying-complex-public-policy-issues/</loc>
		<lastmod>2014-02-27T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/penn-ldi-announces-big-health-care-data-partnership/</loc>
		<lastmod>2014-02-28T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/social-security-reform-options-pdf/</loc>
		<lastmod>2014-03-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/with-or-without-chained-cpi-in-presidents-budget-social-security-reform-should-start/</loc>
		<lastmod>2014-03-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/academy-with-or-without-chained-cpi-in-presidents-budget-social-security-reform-should-start-now/</loc>
		<lastmod>2014-03-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/delaying-penalty-for-lacking-health-coverage-would-mean-more-uninsured-higher-premiums/</loc>
		<lastmod>2014-03-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/bg-report-public-records-of-the-dead-empty-committees-and-pension-tips/</loc>
		<lastmod>2014-03-06T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/united-states-major-actuarial-organizations-speak-out-on-public-pension-funding/</loc>
		<lastmod>2014-03-07T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuary-eyes-ppaca-reinsurance-expense/</loc>
		<lastmod>2014-03-11T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/report-to-naic-on-the-impact-of-risk-adjustment-reinsurance-and-risk-corridors-on-health-risk-based-capital/</loc>
		<lastmod>2014-03-12T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/testimony-of-american-academy-of-actuaries-to-senate-subcommittee-hearing-the-state-of-u-s-retirement-security-can-the-middle-class-afford-to-retire/</loc>
		<lastmod>2014-03-12T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/short-changed-by-insurance-sandy-victims-fight-back/</loc>
		<lastmod>2014-03-16T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/nondiscrimination-changes-needed-to-slow-move-to-hard-freezes-commenters-tell-irs/</loc>
		<lastmod>2014-03-18T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/insurers-dont-know-how-sick-their-new-customers-are-but-plan-to-raise-prices-anyway/</loc>
		<lastmod>2014-03-19T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-rebuffs-characterization-by-republicans/</loc>
		<lastmod>2014-03-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/priebus-slammed-by-actuaries/</loc>
		<lastmod>2014-03-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/revenge-of-the-actuaries/</loc>
		<lastmod>2014-03-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/bells-whistles/</loc>
		<lastmod>2014-03-25T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/gaining-some-perspective-on-public-pensions/</loc>
		<lastmod>2014-03-26T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/near-the-finish-line-the-lifecycle-of-obamacares-enrollment-target/</loc>
		<lastmod>2014-03-30T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/shift-retirement-plans-away-from-employers/</loc>
		<lastmod>2014-03-31T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/university-of-minnesota-national-center-for-interprofessional-practice-and-education-among-10-organizations-to-access-insurance-claims-data-for-50-million-americans/</loc>
		<lastmod>2014-03-31T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/your-retirement-planning-checklist/</loc>
		<lastmod>2014-03-31T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/ssi-reform-ticking-clock-or-ticking-bomb/</loc>
		<lastmod>2014-04-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/the-american-academy-of-actuaries-asks-congress-to-address-multiemployer-pension-protection/</loc>
		<lastmod>2014-04-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/multiemployer-pension-protection-version-2-0-more-robust-legislation-needed-to-address-plans-funding-challenges/</loc>
		<lastmod>2014-04-02T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/how-to-win-the-long-term-care-insurance-game/</loc>
		<lastmod>2014-04-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/multiemployer-pensions-need-help/</loc>
		<lastmod>2014-04-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/academy-joins-national-coalition-to-bolster-importance-of-retirement-planning-to-public/</loc>
		<lastmod>2014-04-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-joins-national-coalition-to-bolster-importance-of-retirement-planning-to-public/</loc>
		<lastmod>2014-04-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/fearing-punishment-for-bad-genes/</loc>
		<lastmod>2014-04-07T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/protecting-your-finances-in-a-divorce-essential-dos-and-donts/</loc>
		<lastmod>2014-04-08T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/remember-the-obamacare-bailout-the-administration-has-a-plan-to-avoid-that/</loc>
		<lastmod>2014-04-15T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/health-care-cost-institute-analyzing-and-gatekeeping-health-data/</loc>
		<lastmod>2014-04-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-cautions-congressional-leadership-on-risks-of-using-pension-provisions-as-revenue-offsets-2/</loc>
		<lastmod>2014-04-17T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/heinz-derisks-pension-plan/</loc>
		<lastmod>2014-04-19T00:00:00+00:00</lastmod>
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		<lastmod>2014-04-25T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/academy-cautions-congressional-leadership-on-risks-of-using-pension-provisions-as-revenue-offsets/</loc>
		<lastmod>2014-04-25T00:00:00+00:00</lastmod>
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		<lastmod>2014-10-15T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-03T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-03T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-03T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-04T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-04T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-10T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-10T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-10T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-11T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-12T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-13T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-13T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-13T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-14T00:00:00+00:00</lastmod>
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		<lastmod>2014-11-15T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/will-this-retirement-share-plan-replace-pensions/</loc>
		<lastmod>2015-01-13T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/morneau-shepell-government-of-new-brunswick-shared-risk-pension-plan-model-given-highest-marks-by-the-american-academy-of-actuaries/</loc>
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		<lastmod>2015-01-13T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-14T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-15T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/grading-5-retirement-plans/</loc>
		<lastmod>2015-01-15T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-19T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/the-promising-retirement-plan-thats-stuck-in-congress/</loc>
		<lastmod>2015-01-19T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-call-on-obama-to-address-retirement-security-in-state-of-the-union-beyond/</loc>
		<lastmod>2015-01-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuaries-push-for-a-focus-on-aging-retirement/</loc>
		<lastmod>2015-01-20T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/actuaries-want-commitment-to-aging/</loc>
		<lastmod>2015-01-21T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-21T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/actuaries-call-for-administration-to-focus-on-aging/</loc>
		<lastmod>2015-01-22T00:00:00+00:00</lastmod>
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		<lastmod>2015-01-23T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/new-report-urges-leaders-to-work-together-towards-a-sustainable-pension-system/</loc>
		<lastmod>2015-02-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/provincial-news-new-report-urges-leaders-to-work-together-towards-a-sustainable-pension-system/</loc>
		<lastmod>2015-02-03T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/climate-news/</loc>
		<lastmod>2015-02-03T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-06T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-06T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/womens-higher-money-risk-3/</loc>
		<lastmod>2015-02-06T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-07T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-07T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-12T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-15T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-15T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-15T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-24T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-24T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-24T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-24T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-25T00:00:00+00:00</lastmod>
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	<url>
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		<lastmod>2015-02-25T00:00:00+00:00</lastmod>
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	<url>
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		<lastmod>2015-02-25T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-26T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-26T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-26T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-26T00:00:00+00:00</lastmod>
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		<lastmod>2015-02-26T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-02T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-03T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-03T00:00:00+00:00</lastmod>
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		<lastmod>2015-03-03T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/obamacare-prices-to-skyrocket-if-high-court-kills-subsidies/</loc>
		<lastmod>2015-03-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/supreme-court-hears-challenge-to-obamas-health-law-everything-you-need-to-know/</loc>
		<lastmod>2015-03-03T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/california-insurers-are-on-the-brink-of-change/</loc>
		<lastmod>2015-03-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/death-spiral-if-subsidies-nixed-health-insurers-hope-for-solutions/</loc>
		<lastmod>2015-03-04T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/supreme-court-could-obamacare-ruling-destroy-health-insurance-for-millions/</loc>
		<lastmod>2015-03-04T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/health-insurance-premiums-will-likely-go-up-next-year-just-because-justices-agreed-to-hear-king-v-burwell/</loc>
		<lastmod>2015-03-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/supreme-court-justices-appear-split-on-aca-subsidies-challenge/</loc>
		<lastmod>2015-03-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-comment-on-potential-implications-of-king-v-burwell/</loc>
		<lastmod>2015-03-05T00:00:00+00:00</lastmod>
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		<loc>https://actuary.org/little-noticed-aca-provision-could-impact-small-group-plans-in-2016/</loc>
		<lastmod>2015-03-05T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/aca-redefines-small-groups/</loc>
		<lastmod>2015-03-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/potential-implications-of-the-small-group-definition-expanding-to-employers-with-51-100-employees/</loc>
		<lastmod>2015-03-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cbo-releases-surprising-readjustments-to-aca-cost-projections/</loc>
		<lastmod>2015-03-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/republican-policy-committee-obamacare-scotus-ruling-looms/</loc>
		<lastmod>2015-03-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/big-insurers-likely-to-push-ahead-smaller-plans-may-hit-pause/</loc>
		<lastmod>2015-03-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/labor-perpetuates-pension-myth-that-80-percent-funding-goal-is-ok-2/</loc>
		<lastmod>2015-03-15T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/testimony-of-american-academy-of-actuaries-for-senate-committee-hearing-bridging-the-gap-how-prepared-are-americans-for-retirement/</loc>
		<lastmod>2015-03-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/labor-perpetuates-pension-myth-that-80-percent-funding-goal-is-ok/</loc>
		<lastmod>2015-03-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/will-social-security-be-there-when-you-need-it/</loc>
		<lastmod>2015-03-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/insurers-reinsurers-differ-on-government-terrorism-timing/</loc>
		<lastmod>2015-03-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/wake-up-your-retirement-is-your-problem-2/</loc>
		<lastmod>2015-03-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/even-life-insurance-actuaries-are-coming-around-on-pot/</loc>
		<lastmod>2015-03-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/two-states-consider-pension-de-risking-bills-insurance-lawmaker-group-adopts-guidelines/</loc>
		<lastmod>2015-03-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/advocates-push-for-more-multiemployer-reform/</loc>
		<lastmod>2015-03-23T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/dem-senators-warn-obamacare-rule-particularly-harmful-and-disruptive/</loc>
		<lastmod>2015-03-24T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/acas-small-business-rules-could-trigger-higher-premiums-for-2016/</loc>
		<lastmod>2015-03-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/mchenry-county-towns-try-to-tackle-climbing-fire-police-pension-payments/</loc>
		<lastmod>2015-04-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/mchenry-county-towns-try-to-tackle-climbing-fire-police-pension-payments-2/</loc>
		<lastmod>2015-04-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/american-academy-of-actuaries-comment-letter-to-pbgc-on-suspension-of-benefits-under-the-multiemployer-pension-reform-act-of-2014/</loc>
		<lastmod>2015-04-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/mature-debate-on-cannabis-use-is-long-overdue/</loc>
		<lastmod>2015-04-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/new-valuation-mortality-tables/</loc>
		<lastmod>2015-04-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/some-states-give-insurers-flexibility-before-king-ruling/</loc>
		<lastmod>2015-04-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-10-best-jobs-of-2015-2/</loc>
		<lastmod>2015-04-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/qa-whats-it-like-having-the-best-job-of-2015/</loc>
		<lastmod>2015-04-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-10-best-jobs-of-2015/</loc>
		<lastmod>2015-04-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-best-job-of-2015-2/</loc>
		<lastmod>2015-04-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-best-job-of-2015/</loc>
		<lastmod>2015-04-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/academy-of-actuaries-addresses-climate-change/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/climate-change-being-measured-in-property-damage-loss-of-life-and-costs-in-billions-of-dollars-2/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/goal-to-raise-awareness-of-growing-climate-and-weather-related-risks-u-s-academy/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/climate-change-being-measured-in-property-damage-loss-of-life-and-costs-in-billions-of-dollars-3/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/competition-from-private-exchanges-teeny-tax-credit-keep-businesses-from-shop-ing/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-highlight-the-risks-of-climate-change/</loc>
		<lastmod>2015-04-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/wake-up-your-retirement-is-your-problem/</loc>
		<lastmod>2015-04-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/climate-change-being-measured-in-property-damage-loss-of-life-and-costs-in-billions-of-dollars/</loc>
		<lastmod>2015-04-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/a-necessary-but-limited-king-v-burwell-remedy/</loc>
		<lastmod>2015-04-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/pensions-theres-just-something-wrong-when-a-39-year-old-can-retire-with-a-full-pension/</loc>
		<lastmod>2015-04-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/les-actuaires-amricains-sinquitent-de-plus-en-plus-des-changements-climatiques/</loc>
		<lastmod>2015-04-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/police-fire-pension-plan-growing-but-still-underfunded/</loc>
		<lastmod>2015-04-30T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-retirement-crisis-next-door-part-1/</loc>
		<lastmod>2015-05-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/look-to-the-north-for-a-better-approach-to-financing-social-security/</loc>
		<lastmod>2015-05-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/new-board-to-advise-opm-director-on-federal-retirement-plans/</loc>
		<lastmod>2015-05-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/opm-creates-new-committee-to-examine-federal-retirement-plans/</loc>
		<lastmod>2015-05-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/why-maintaining-the-current-definition-of-the-small-group-market-is-critical/</loc>
		<lastmod>2015-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/moda-ceo-well-be-fine-even-without-82-5m-from-federal-program/</loc>
		<lastmod>2015-05-12T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/1-in-10-americans-share-the-same-obamacare-fear/</loc>
		<lastmod>2015-05-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/maine-lawmakers-endorse-bill-to-protect-obamacare-subsidies/</loc>
		<lastmod>2015-05-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/av-calculator-risk-corridors-and-transitional-plans-to-affect-rates/</loc>
		<lastmod>2015-05-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/avoiding-health-insurance-rate-shock-for-medium-size-businesses/</loc>
		<lastmod>2015-05-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/letting-the-air-out-of-rate-increase-hysteria/</loc>
		<lastmod>2015-05-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/aetna-mulls-re-examined-hix-rates-post-burwell/</loc>
		<lastmod>2015-05-20T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/it-aint-broke-but-heres-how-to-fix-social-security/</loc>
		<lastmod>2015-05-25T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-fault-current-proposals-to-address-potential-impact-of-aca-ruling/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/proposals-to-extend-marketplace-subsidies-would-only-delay-damage/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/unitedhealth-group-cautiously-optimistic-on-supreme-court-subsidy-ruling/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-to-gop-obamacare-fix-could-trigger-meltdown/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gops-diabolical-health-care-scheme-what-their-obamacare-fix-is-really-all-about/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/judge-skeptical-of-obamas-call-to-dismiss-gop-lawsuit/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-warn-that-gops-post-king-contingency-plans-could-destroy-insurance-market/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-gop-plans-wont-prevent-an-obamacare-meltdown/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/republican-plan-for-ppaca-subsidies-wont-prevent-massive-disruption-report-concludes/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/will-supreme-court-overrule-key-part-of-obamacare/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cms-proposes-major-update-to-medicaid-managed-care-regulations-2/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/cms-proposes-major-update-to-medicaid-managed-care-regulations/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/republican-plan-for-obamacare-subsidies-wont-prevent-massive-disruption-report-concludes/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/new-study-pours-cold-water-on-gop-obamacare-plan/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/implications-of-proposed-changes-to-the-aca-in-response-to-king-v-burwell/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/de-risking-notices-should-balance-simplicity-sufficiency-of-information-erisa-council-told/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-ppaca-subsidy-plan-wont-prevent-massive-disruption/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-plans-would-destroy-obamacare-to-save-it-new-study-finds/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-obamacare-fix-that-would-makes-things-worse/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/king-v-burwell-the-actuaries-explain-all/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-split-on-possible-health-law-fixes/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-weigh-in-on-republican-obamacare-fix-ideas-and-theyre-even-worse-than-you-thought/</loc>
		<lastmod>2015-05-28T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-await-king-v-burwell-implications-disruptions/</loc>
		<lastmod>2015-05-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/insurance-rates-could-spike-if-supreme-court-rejects-obamacare/</loc>
		<lastmod>2015-05-29T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-8/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-5/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/study-warns-of-impact-of-republicans-plans-on-insurance-industry/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-7/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-6/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-11/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-9/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-3/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-insurance-actuaries-warn-against-republican-alternatives-to-aca/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gops-obamacare-fixes-carry-their-own-big-risks/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-10/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-2/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-4/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/will-these-big-obamacare-rates-get-approved/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/many-health-insurers-go-big-with-initial-2016-rate-requests-12/</loc>
		<lastmod>2015-06-01T00:00:00+00:00</lastmod>
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	<url>
		<loc>https://actuary.org/insurers-want-big-rate-hikes-but-caveats-abound/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/assessing-aca-reform-proposals/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/insurers-plan-to-post-double-digit-premium-hikes-in-2016/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/board-urged-to-allow-actuaries-to-decide-whether-to-do-pension-risk-assessments/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/many-insurers-propose-double-digit-premium-rate-hikes-for-2016/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/rates-could-spike-for-600000-floridians/</loc>
		<lastmod>2015-06-02T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/business-coalition-battles-coming-federal-health-law-change-saying-it-could-raise-insurance-costs-up-to-18/</loc>
		<lastmod>2015-06-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/issue-brief-examines-possible-changes-to-aca-in-light-of-supreme-court-case/</loc>
		<lastmod>2015-06-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/summer-reading-list-for-king-v-burwell-101/</loc>
		<lastmod>2015-06-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/health-beat-actuarial-group-looks-at-outcomes-of-supreme-court-case/</loc>
		<lastmod>2015-06-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-obamacare-fix-would-spell-disaster-for-millions/</loc>
		<lastmod>2015-06-03T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/for-obamacare-subsidies-looming-supreme-court-ruling-creates-uncertainty/</loc>
		<lastmod>2015-06-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-open-to-extending-obamacare-subsidies/</loc>
		<lastmod>2015-06-04T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuarial-standards-board-to-hold-public-hearing-regarding-public-pension-issues/</loc>
		<lastmod>2015-06-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/supreme-court-decision-could-reshape-health-insurance-landscape-spark-rate-spiral/</loc>
		<lastmod>2015-06-05T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/stakes-are-high-as-supreme-court-nears-key-obamacare-decision/</loc>
		<lastmod>2015-06-06T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/whats-at-stake-when-the-supreme-court-rules-on-health-plan-subsidies-2/</loc>
		<lastmod>2015-06-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/whats-at-stake-if-supreme-court-eliminates-your-obamacare-subsidy/</loc>
		<lastmod>2015-06-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/whats-at-stake-when-the-supreme-court-rules-on-health-subsidy-plans/</loc>
		<lastmod>2015-06-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/what-women-more-financially-vulnerable-in-old-age-can-do-to-help-themselves/</loc>
		<lastmod>2015-06-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/the-supreme-court-on-health-plan-subsidies-whats-at-stake/</loc>
		<lastmod>2015-06-08T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/how-women-can-prepare-themselves-financially-for-old-age/</loc>
		<lastmod>2015-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/presenting-the-1000-rate-hike-brought-to-you-by-the-republican-party-cato-institute/</loc>
		<lastmod>2015-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/state-decisions-on-allowing-mid-sized-employers-to-delay-a-move-to-the-small-group-insurance-market/</loc>
		<lastmod>2015-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/financial-ruin-for-millions-thanksgop/</loc>
		<lastmod>2015-06-09T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/burwell-says-its-up-to-states-congress-to-help-consumers-if-court-strikes-down-subsidies/</loc>
		<lastmod>2015-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/hhs-says-its-up-to-states-congress-to-help-consumers-if-court-strikes-down-subsidies/</loc>
		<lastmod>2015-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/game-changer-cms-proposed-medicaid-managed-care-regulation/</loc>
		<lastmod>2015-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/actuaries-address-possible-post-king-v-burwell-disruptions/</loc>
		<lastmod>2015-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/johnson-health-plan-would-unravel-much-of-health-reform/</loc>
		<lastmod>2015-06-10T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/why-is-health-insurance-for-16-million-americans-a-bad-thing/</loc>
		<lastmod>2015-06-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/its-up-to-states-congress-must-help-consumers-if-supreme-court-strikes-down-obamacare-subsidies-health-secretary/</loc>
		<lastmod>2015-06-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/burwell-states-congress-will-have-to-help-insured-if-supreme-court-ends-subsidies/</loc>
		<lastmod>2015-06-11T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/dear-gop-when-youve-lost-chris-wallace-your-goose-is-cooked/</loc>
		<lastmod>2015-06-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/looming-supreme-court-ruling-creates-uncertainty/</loc>
		<lastmod>2015-06-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/whats-at-stake-when-the-supreme-court-rules-on-health-plan-subsidies/</loc>
		<lastmod>2015-06-14T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medicaid-managed-care-proposed-rule-expands-federal-role-in-rate-setting-at-both-the-managed-care-organization-and-provider-level-2/</loc>
		<lastmod>2015-06-15T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/medicaid-managed-care-proposed-rule-expands-federal-role-in-rate-setting-at-both-the-managed-care-organization-and-provider-level/</loc>
		<lastmod>2015-06-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/selecting-and-documenting-mortality-assumptions-for-pensions/</loc>
		<lastmod>2015-06-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/senate-king-v-burwell-fix-includes-same-failed-proposals-to-repeal-health-reform/</loc>
		<lastmod>2015-06-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/consumer-premium-contributions-to-increase-3300-on-average-in-2015-if-supreme-court-rules-for-king-6-4-million-current-enrollees-could-be-impacted-by-loss-of-subsidies/</loc>
		<lastmod>2015-06-16T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-fix-to-a-supreme-court-decision-gutting-obamacare-would-actually-make-things-much-worse/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/riverside-county-pension-funding-still-shaky/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/g-o-p-is-wary-that-health-care-win-could-have-its-own-risks/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/king-v-burwell-and-the-private-option/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-shapes-buffer-for-health-law-crash/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-wary-of-health-law-ruling/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-is-wary-that-a-health-care-win-against-obamacare-would-have-risks/</loc>
		<lastmod>2015-06-17T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/gop-plan-to-sustain-subsidies-if-king-wins-is-flawed-actuaries-say/</loc>
		<lastmod>2015-06-18T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/for-insurers-supreme-court-could-demolish-a-growing-line-of-business/</loc>
		<lastmod>2015-06-19T00:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://actuary.org/ruined-aca-will-leave-gop-badly-exposed-2/</loc>
		<lastmod>2015-06-20T00:00:00+00:00</lastmod>
	</url>
</urlset>
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