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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - The Long Run: Charting a Resilient Course - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Navigating the Investment Crossroads: Avoiding Speculation and Finding True Value in 2025</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Navigating the Investment Crossroads: Avoiding Speculation and Finding True Value in 2025</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Navigating the Investment Crossroads: Avoiding Speculation and Finding True Value in 2025</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Grant Williams and Investing vs. Speculation - Make it stand out</image:title>
      <image:caption>Listen to this one minute excerpt linked here of Grant Williams speaking with Matt Zeigler and Ben Hunt on just this topic.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Grant Williams and Investing vs. Speculation - Make it stand out</image:title>
      <image:caption>The stunning 4 Seasons Hotel lobby in Las Vegas, taken on a trip my wife and I enjoyed this last year, is one of the only hotels on the strip that does not have a casino. It's a breath of fresh air, literally.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Howard Marks &amp;amp; the Importance of Interest Rates - Make it stand out</image:title>
      <image:caption>Taken from a recent trip Nick (Portfolio Manager) and his wife took to Savannah, Georgia; these incredible and majestic live oak trees with Spanish moss draped endlessly over the passers by as they enjoyed the sites; made him think of the timeless wisdom of Howard Marks, Oaktree Capital Management Chairman.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Standing on the Shoulders of Giants</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Empowering Teens - The Importance of  Summer Jobs and Investing Early</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails</image:title>
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    <image:image>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>STRATEGY &amp; WISDOM - Adjusting the Sails - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Anti-Fragile Investing &amp;amp; Volatility - Make it stand out</image:title>
      <image:caption>Turbulent waters of Benham Falls just outside Bend, Oregon. Benham Falls. Taken on one of many family trips to Central Oregon over the years.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Reflections from the Berkshire Hathaway  ﻿Annual Meeting - Make it stand out</image:title>
      <image:caption>My son Nicholas Robert Fisher, Jr. joining me at the 2023 Berkshire Annual Meeting. Our first year attending in 2022 had us seated in the second row, just one row behind Tim Cook, CEO of Apple. Experiences like this are invaluable.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Reflections from the Berkshire Hathaway  ﻿Annual Meeting - Make it stand out</image:title>
      <image:caption>With lines snaking miles along the river around the city from the doors of CHI Hills Center Arena, attendees begin lining up as early as midnight the morning of in hopes of securing a seat in the main room.</image:caption>
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    <image:image>
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      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Reflections from the Berkshire Hathaway  ﻿Annual Meeting - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/39b53b96-14d5-4dbd-bf34-ce2ff9a13b21/Berkshire+Image+%232.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Pilot's Log: On Reflections from the Berkshire Hathaway  ﻿Annual Meeting - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>STRATEGY &amp; WISDOM - Sunny days are on the horizon!</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1588629731350-H1VT9KYA1LAYGGW5CQGY/nick.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Sunny days are on the horizon!</image:title>
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      <image:title>STRATEGY &amp; WISDOM - Outperforming requires an unconventional portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/0df00995-c27b-476b-b2da-f7882187fa3f/2023+q3+_04jpg.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Outperforming requires an unconventional portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1588629922738-NZS6CRN9S7LE6546D9S1/NF+Signature.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Outperforming requires an unconventional portfolio</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/8289d3d2-09ca-484e-918d-77522fc5d913/2023+q3+_03jpg.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Outperforming requires an unconventional portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1477943951648-ATRNK0H5R4ATGGLEGQWF/image-asset.jpeg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q3 Commentary: Inflation, Rising Interest Rates and What To Do About It</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1477943977323-6NGQ64QM4WGEY31NI7QF/image-asset.jpeg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q3 Commentary: Inflation, Rising Interest Rates and What To Do About It</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1477943887148-P466HI00QISIFYYNJO35/image-asset.jpeg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q3 Commentary: Inflation, Rising Interest Rates and What To Do About It</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1477944217779-1GHCA6O5B6USXF6FYO4W/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q3 Commentary: Inflation, Rising Interest Rates and What To Do About It</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2016/8/chart-of-the-week-sideways-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2016/8/q2-commentary-how-to-manage-a-sideways-market</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1471891138830-H2VN08F3SU3PU2GKV3Z7/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q2 Commentary: How to Manage a Sideways Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1471891206465-WC4X672SRPKJHJTLYTHL/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q2 Commentary: How to Manage a Sideways Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1471891182220-0205ZB592EJJ0MB1GIUE/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q2 Commentary: How to Manage a Sideways Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1471891060071-10OOGID744O7PLEKCRCG/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Q2 Commentary: How to Manage a Sideways Market</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2016/6/to-attend-the-party-or-not</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466459406491-473VSXLTNPMMHM8F4UNU/Screen+Shot+2016-06-09+at+4.57.07+PM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - To Attend the Party Or Not</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466459109666-PV14LY3G1RYCFCYDDR71/64410_B.gif</image:loc>
      <image:title>STRATEGY &amp; WISDOM - To Attend the Party Or Not</image:title>
      <image:caption>Exhibit I. Decision Tree for Cocktail Party The tree is made up of a series of nodes and branches. At the first node on the left, the host has the choice of having the party inside or outside. Each branch represents an alternative course of action or decision. At the end of each branch or alternative course is another node representing a chance event—whether or not it will rain. Each subsequent alternative course to the right represents an alternative outcome of this chance event. Associated with each complete alternative course through the tree is a payoff, shown at the end of the rightmost or terminal branch of the course.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2016/02/we-already-wrote-this-commentary</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466017692927-H1Z5LWUT6GJPPAH8KZL7/nickheadshotweb.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - We Already Wrote This Commentary</image:title>
      <image:caption>nickheadshotweb</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2016/02/when-brand-promise-matters-to-the-business-model</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466025143595-HH9ES3GU25DXLX568JWG/rickweb2.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - When Brand Promise Matters to the Business Model</image:title>
      <image:caption>rickweb2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/10/getting-out-of-our-own-way</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519626794-342PKZIV3LR73DYF1YN1/dowjoneshistorical.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Getting Out of Our Own Way</image:title>
      <image:caption>dowjoneshistorical</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519625486-Q2T7JJ21OBLNMXVWE2BS/Investors-Focus-Has-Become-Short-Term.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Getting Out of Our Own Way</image:title>
      <image:caption>Investors-Focus-Has-Become-Short-Term</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/08/what-galloping-gertie-can-teach-us-about-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519624208-BUXKL3IG6CYNQ5U86Z92/nasagraph.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - What Galloping Gertie Can Teach Us About Investing</image:title>
      <image:caption>nasagraph</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519624307-XX4UZWMERB5BSQMBM7F7/sysengr.gif</image:loc>
      <image:title>STRATEGY &amp; WISDOM - What Galloping Gertie Can Teach Us About Investing</image:title>
      <image:caption>sysengr</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1493402078610-M4S7RMRFZ4Z70O03LIYQ/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - What Galloping Gertie Can Teach Us About Investing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519623953-7HBKS3SK8E5TXK332S44/Man_running_off_the_Tacoma_Narrows_Bridge_during_collapse_November_7_1940.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - What Galloping Gertie Can Teach Us About Investing</image:title>
      <image:caption>It is highly likely that application of the Systems Engineering discipline would have revealed the now obvious design flaw overlooked by the designers of the Tacoma Narrows bridge…too late for Tubby the Cocker Spaniel.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/06/does-team-accountability-really-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466093914265-TJN4Y6X9WQYRLAO97AX6/rickweb2.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Does Team Accountability Really Work?</image:title>
      <image:caption>rickweb2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/04/riding-the-rollercoaster-without-losing-your-mind-how-to-prepare-for-the-next-market-downturn</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1493402165355-VH4ZVVWO6K2EDR9BVFU6/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Riding the Rollercoaster Without Losing Your Mind: How to Prepare for the Next Market Downturn</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1493402209540-W6NBKZIBZZY2E8M4RR9X/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Riding the Rollercoaster Without Losing Your Mind: How to Prepare for the Next Market Downturn</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/02/the-end-of-qe-energy-markets-and-changing-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519623035-BKHFJX0UZPGMGLIEORI7/oilfig2.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - The End of QE: Energy Markets and Changing Volatility</image:title>
      <image:caption>oilfig2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466447947135-R2HRNPSPP21B7K6IIUZH/nickheadshotweb.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - The End of QE: Energy Markets and Changing Volatility</image:title>
      <image:caption>nickheadshotweb</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519623016-HJHCTZDMFQWEPITAKHZU/oilfig1.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - The End of QE: Energy Markets and Changing Volatility</image:title>
      <image:caption>oilfig1</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/02/skewing-the-curve</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519620498-G60WC6HLR1WU30ZPAS7U/2014q4fig1capmarketsline.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Skewing the Curve</image:title>
      <image:caption>2014q4fig1capmarketsline</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519621290-5IBADVPXOY9VI89ERVL0/2014q4fig2bellcurverisk.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Skewing the Curve</image:title>
      <image:caption>2014q4fig2bellcurverisk</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519621296-EFBVTJW6WNE880NO81RO/2014q4fig3riskdistribution.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Skewing the Curve</image:title>
      <image:caption>2014q4fig3riskdistribution</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466448284160-36G1NU4PTWNR3OTLXEK3/rickweb2.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Skewing the Curve</image:title>
      <image:caption>rickweb2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2015/02/2315-chart-of-the-week-rock-paper-scissors-and-investor-behavior</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/12/122314-chart-of-the-week-oil-part-two-its-all-connected</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/12/121614-chart-of-the-week-the-mastery-gap</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/12/12914-chart-of-the-week-the-price-of-oil-winners-and-losers</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/12/12214-chart-of-the-week-the-conscious-competence-learning-model</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/11/112514-chart-of-the-week-time-horizon-why-patience-matters</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/11/111114-chart-of-the-week-equities-its-not-always-about-being-cheap</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/11/11414-chart-of-the-week-election-day-2014-it-really-doesnt-matter</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/102814-chart-of-the-week-fed-meeting-today-trick-or-treat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/2014-q3-commentary-heads-we-win-tails-we-dont-lose-much</loc>
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    <lastmod>2024-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519616320-T627GTU9RAC8KF41T8ZQ/2014Q3fig2.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q3 Commentary: Heads We Win, Tails We Don't Lose Much</image:title>
      <image:caption>2014Q3fig2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466449079526-E10O14ZQHX51JPC0XQB7/nickheadshotweb.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q3 Commentary: Heads We Win, Tails We Don't Lose Much</image:title>
      <image:caption>nickheadshotweb</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519616214-VGPSQ6PW6D5V843YXQID/2014Q3fig3.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q3 Commentary: Heads We Win, Tails We Don't Lose Much</image:title>
      <image:caption>2014Q3fig3</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519616342-D8XA8F4RHYT5YDOELRIG/2014Q3intro.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q3 Commentary: Heads We Win, Tails We Don't Lose Much</image:title>
      <image:caption>2014Q3intro</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519615124-O29YWB0BELLWWJ51P0KL/2014Q3fig1.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q3 Commentary: Heads We Win, Tails We Don't Lose Much</image:title>
      <image:caption>2014Q3fig1</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/are-you-playing-to-win-or-trying-not-to-lose</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519617242-RHFCJB4M87WDZY2KL7SW/lincoln.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Are You Playing to Win, Or Trying Not to Lose</image:title>
      <image:caption>President Lincoln, shown here with his generals after the battle of Antitetam in 1862. Antietam, located in Sharpsburg, Maryland was the bloodiest single-day battle in American history with over 23,000 Confederate and Union soldiers casualties. Most of the generals pictured; Burnside, Hooker, McDowell, McLellan, and Pope would be eventually fired due to their inability to commit to a winning strategy which required an all-in approach. While the battle technically concluded in a draw, General Lee accomplished this with half of the troops than of the Union Army and use of a more aggressive and 'playing to win' strategy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1466449144181-ZJJF7LWD7390OMDZIFZN/rickweb2.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Are You Playing to Win, Or Trying Not to Lose</image:title>
      <image:caption>rickweb2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/2014-leadership-economic-summit</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519616586-6KHIX5TQBG0GJST4SUKD/leadershipform.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Leadership &amp; Economic Summit</image:title>
      <image:caption>2014leadershipeconsummit</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/102114-chart-of-the-week-the-benefits-of-asymmetric-risk</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/10/93014-chart-of-the-week-the-meat-and-potatoes-of-inflation</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/09/92314-chart-of-the-week-small-cap-underperformance</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/09/9914-chart-of-the-week-the-investor-behavior-penalty</loc>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/09/9414-chart-of-the-week-sequence-of-return-risk-timing-matters</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/08/82614-chart-of-the-week-dry-powder-why-now-more-than-ever</loc>
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      <image:title>STRATEGY &amp; WISDOM - Chart of the Week: Dry Powder - Why Now More Than Ever</image:title>
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  <url>
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      <image:title>STRATEGY &amp; WISDOM - 2014 Q2 Commentary: Everything Changes ... Eventually</image:title>
      <image:caption>As recently as 10 million years ago, the Amazon river actually flowed east to west. At the base of the northern Andes, it formed a large lake that eventually flowed into the Caribbean Sea. Over time, it reversed course as the continent tilted and sediment built up. If the largest river on the planet can change directions - couldn’t the stock market?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519613017-PPIX77P7D0LTTWJLORXZ/Screen-Shot-2014-07-18-at-10.45.57-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q2 Commentary: Everything Changes ... Eventually</image:title>
      <image:caption>Screen Shot 2014-07-18 at 10.45.57 AM</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519613383-EVZJGJJVZWOALT2F1UAU/nick_articles.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q2 Commentary: Everything Changes ... Eventually</image:title>
    </image:image>
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  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/07/the-cost-of-not-getting-it</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
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      <image:title>STRATEGY &amp; WISDOM - The Cost of Not Getting It</image:title>
    </image:image>
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  <url>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/06/what-college-never-taught-me-about-business</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
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      <image:title>STRATEGY &amp; WISDOM - What College Never Taught Me About Business</image:title>
    </image:image>
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  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/06/61714-chart-of-the-week-corporate-profits-why-do-we-care</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/06/6314-chart-of-the-week-ytd-bond-returns-the-perils-of-prediction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/05/52014-chart-of-the-week-not-all-markets-are-overvalued</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-03-11</lastmod>
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      <image:title>STRATEGY &amp; WISDOM - 5/20/14 Chart of the Week: Not All Markets Are Overvalued</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/05/51314-chart-of-the-week-cov-lite-and-why-were-lightening-up</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519608971-UWJJ64SAPSFJ0OCD3YT7/covliteloans.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 5/13/14 Chart of the Week: Cov-lite and Why We're Lightening Up</image:title>
    </image:image>
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  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/05/navigating-conflict-fostering-a-collaborative-culture-senior-leader-lab-part-3</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-03-11</lastmod>
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  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/05/cant-we-all-just-get-along</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519608820-Y9EOSZQ498CZ3Z16IFTV/arguing.jpeg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Can't we all just get along?</image:title>
      <image:caption>arguing</image:caption>
    </image:image>
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  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/05/5714-chart-of-the-week-for-entertainment-purposes-only</loc>
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    <lastmod>2020-03-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519609070-GXC2DBFZMH36EQLW7ZEG/presidential-cycle-stock-market.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 5/7/14 Chart of the Week: For Entertainment Purposes Only</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/42914-chart-of-the-week-the-gamble-of-quantitative-easing</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519606343-PK8XFRJ4GME4SIG651VB/140426-01.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 4/29/14 Chart of the Week: The Gamble of Quantitative Easing</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/2014-q1-commentary-a-bird-in-the-hand-is-worth</loc>
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      <image:title>STRATEGY &amp; WISDOM - 2014 Q1 Commentary: A Bird in the Hand is Worth...</image:title>
      <image:caption>7yrestimation</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607096-ANPN2U7YSS2ZUHID7GS6/bird.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q1 Commentary: A Bird in the Hand is Worth...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607345-IASUAVKW3T3TC5I7GU5B/buyselldiscipline.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2014 Q1 Commentary: A Bird in the Hand is Worth...</image:title>
      <image:caption>buyselldiscipline</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/to-cfo-or-not-to-cfo</loc>
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    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519608385-369VUMZILRON65347ETF/ocYR3Us.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - To CFO or Not to CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519608385-369VUMZILRON65347ETF/ocYR3Us.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - To CFO or Not to CFO</image:title>
      <image:caption>ocYR3Us</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/42214-chart-of-the-week-the-game-of-earnings-estimates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607860-44WOAR33XQ7SPALDVDH8/cow1.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 4/22/14 Chart of the Week: The Game of Earnings Estimates</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/webinar-getting-to-excellence-growing-your-market-share</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607945-QACFP09P3VLVUOMQI720/image.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Webinar: Getting to Excellence &amp;amp; Growing Your Market Share</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/41514-chart-of-the-week-yesterdays-losers-and-todays-winners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/4814-chart-of-the-week-market-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607543-X3EBAS85E9A9KVKP1E2W/cow.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 4/8/14 Chart of the Week: Market Volatility</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/04/4114-chart-of-the-week-valuation-dispersion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519606870-2GGEOEJUXH2POJX986WN/Screen-Shot-2014-04-01-at-9.53.57-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 4/1/14 Chart of the Week: Valuation Dispersion</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/03/32513-chart-of-the-week-anatomy-of-a-bubble</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519607139-K71GAWUYJ1FPVDPOTWRG/Screen-Shot-2014-03-26-at-9.58.02-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 3/25/14 Chart of the Week: Anatomy of a Bubble</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/03/3114-chart-of-the-week-supply-and-demand-treasury-maturities-interest-rate-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519606315-9DB86CT9JQON9HLVIW3I/sovreigndebt.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 3/1/14 Chart of the Week: Supply and Demand - Treasury Maturities &amp; Interest Rate Volatility</image:title>
    </image:image>
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  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/02/investing-in-uncharted-territory</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519605548-FUM4GR8WD8CSJDV33IX0/fpagraph.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q4 Commentary: Investing in Uncharted Territory</image:title>
      <image:caption>fpagraph</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519606560-P833WSGTUW0DZ8S2F2AT/bear.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q4 Commentary: Investing in Uncharted Territory</image:title>
      <image:caption>Brown bears’ hunting techniques have been studied extensively. Handed down from their mother, brown bears adapt their fishing methods depending on yield ratios and salmon abundance in exacting fashion. Patience and context prove invaluable and determine the difference between those who thrive and those who are relegated to surviving off of the scraps down river.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2014/02/plan-your-career-not-just-your-next-job</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2013/12/the-three-legs-of-an-enduring-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519604874-ECV1O986T5J9C3SMUB5B/Screen-Shot-2013-12-30-at-11.08.20-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - The Three Legs of an Enduring Business</image:title>
      <image:caption>Screen Shot 2013-12-30 at 11.08.20 AM</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2013/12/is-your-business-currently-worthy-of-your-investment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519604583-E2RZCX1GAR81IUHFE2L9/Screen-Shot-2013-12-30-at-11.01.36-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Is Your Business Currently Worthy of Your Investment?</image:title>
      <image:caption>Screen Shot 2013-12-30 at 11.01.36 AM</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2013/10/know-your-limits-it-may-be-time-to-sober-up</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603364-WDI8PQLAGLCOGH2FRIV2/Screen-Shot-2013-10-11-at-11.09.20-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
      <image:caption>risk return shift</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603555-EX6GEP8NO7T4CI0SEIUH/Screen-Shot-2013-10-11-at-11.09.32-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
      <image:caption>range of outcomes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603022-XM04RS9Q4FVWN7O9M7NB/Screen-Shot-2013-10-11-at-11.08.34-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
      <image:caption>risk vs return</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603264-TKHSHXE32FN3EHINUPZW/Screen-Shot-2013-10-11-at-11.08.48-AM.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
      <image:caption>typical return</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603845-IR7JLFW9JETJB3JOWBZN/return-range.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
      <image:caption>return range</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519603774-NEVYV3R0QPWETZL3JYJ1/punch-bowl.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q3 Commentary: Know Your Limits, It May Be Time To Sober Up</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2013/10/family-council-begins-with-conversation</loc>
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    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1493322991785-T2SZGLJUQ3NWG2W6HO2H/image-asset.png</image:loc>
      <image:title>STRATEGY &amp; WISDOM - Family Council Begins With Conversation</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.pilotwm.com/pilot-wealth-management/2013/07/2013-q2-commentary</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519598533-TDSVHTA4HJY8M67OOUWN/10yrtyield.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q2 Market Commentary</image:title>
      <image:caption>10yrtyield</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1465519599006-AMD33J90D54QXKHVC9QR/householddebt1.jpg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q2 Market Commentary</image:title>
      <image:caption>householddebt1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57570822b6aa60059e0b9c58/1487789007743-HTSXGIK4N8BHIQ2DAJ6W/image-asset.jpeg</image:loc>
      <image:title>STRATEGY &amp; WISDOM - 2013 Q2 Market Commentary</image:title>
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