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    <loc>https://www.walkerinsight.com/blog/details-and-the-devil</loc>
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    <lastmod>2025-10-31</lastmod>
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      <image:title>Blog - The Details and the Devil Therein - 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>Blog - The Details and the Devil Therein - 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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  <url>
    <loc>https://www.walkerinsight.com/blog/pugilists-and-planningfollowup-with-ryan-tansom</loc>
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    <lastmod>2025-04-01</lastmod>
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    <loc>https://www.walkerinsight.com/blog/q3-2024-economic-and-update-with-ryan-tansom</loc>
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    <lastmod>2024-10-21</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/the-alleged-futility-of-forecasts</loc>
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    <lastmod>2024-10-21</lastmod>
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      <image:title>Blog - The [alleged] futility of forecasts - 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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  <url>
    <loc>https://www.walkerinsight.com/blog/summer-agricultural-outlook-storm-clouds-gather</loc>
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    <lastmod>2024-10-21</lastmod>
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      <image:title>Blog - Summer Agricultural Outlook: Storm Clouds Gather - 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/v1/618425091b40734752f503b8/a4ad7c12-595a-4bff-830c-0e971c055c3c/image_2024-07-25_140804297.png</image:loc>
      <image:title>Blog - Summer Agricultural Outlook: Storm Clouds Gather - 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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  <url>
    <loc>https://www.walkerinsight.com/blog/planning-fools-errand-or-lifesaver</loc>
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    <lastmod>2024-06-03</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/farmer-cantillon</loc>
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    <lastmod>2024-05-29</lastmod>
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      <image:title>Blog - Richard Cantillon, Farmer - 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/v1/618425091b40734752f503b8/33fb47ce-200e-4d1f-a5ec-adda603193bb/image_2024-05-28_134451029.png</image:loc>
      <image:title>Blog - Richard Cantillon, Farmer - 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/v1/618425091b40734752f503b8/c4749ca7-a545-45d1-8b8d-9733af7d835f/image_2024-05-28_134537439.png</image:loc>
      <image:title>Blog - Richard Cantillon, Farmer - 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>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/blog/low-hanging-fruit</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2024-02-02</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/a-conversation-with-jon-doehr</loc>
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    <priority>0.5</priority>
    <lastmod>2023-09-19</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/the-abyss-looks-back</loc>
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    <priority>0.5</priority>
    <lastmod>2023-07-31</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/thoughts-on-a-20-year-tail-hedge</loc>
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    <priority>0.5</priority>
    <lastmod>2023-02-22</lastmod>
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      <image:title>Blog - Thoughts on a 20-year Tail Hedge - 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/v1/618425091b40734752f503b8/ce13c49e-2fa7-40c9-9668-778410be32c5/image_2023-02-22_113317122.png</image:loc>
      <image:title>Blog - Thoughts on a 20-year Tail Hedge - 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>
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  <url>
    <loc>https://www.walkerinsight.com/blog/opinions-and-rants</loc>
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    <lastmod>2024-07-25</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/the-value-of-being-negative</loc>
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    <lastmod>2022-10-07</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/just-what-is-a-dollar-or-is-the-macro-micro</loc>
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    <priority>0.5</priority>
    <lastmod>2023-02-22</lastmod>
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      <image:title>Blog - Just what is a dollar? Or: Is the macro micro? - 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>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/blog/the-precautionary-principle</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-05-18</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/finpack-2021-a-first-look</loc>
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    <priority>0.5</priority>
    <lastmod>2024-07-08</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/i-dont-know-what-you-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-05</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/praexis-business-labs-gt-walker-insight</loc>
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    <lastmod>2022-03-17</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/the-financial-universe-a-model</loc>
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    <priority>0.5</priority>
    <lastmod>2022-01-05</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/blog/blog-post-121021</loc>
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    <lastmod>2022-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/blog/blog-post-111021</loc>
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    <lastmod>2022-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-10-26</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/small-business-is-personal</loc>
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    <priority>0.5</priority>
    <lastmod>2022-10-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/e7d7779d-79a3-45b1-a3e9-c9d510ef9ef3/image_2022-10-26_141057993.png</image:loc>
      <image:title>Podcast - Small business is personal. - Make it stand out</image:title>
      <image:caption>Here is the chart we mentioned, an analysis of BEA’s Z.1 accounts for an estimate of historic profitabilty vs. the cost of funds.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/58a5533f-57f2-4405-bcea-6387e2180221/image_2022-10-26_141536816.png</image:loc>
      <image:title>Podcast - Small business is personal. - Make it stand out</image:title>
      <image:caption>I couldn’t resist added a look at ROA on Minnesota farms for comparison. The raw data is from the FINPACK database, parsed and analyzed by Walker Insight. It’s somewhat surprising, to me at least, that the average farm shows lower cost of funds than BEA’s set. It may be methodological issues, but also might reflect various subsidized financing sources available to farmers. That average farms here also tends to show higher ROA is somewhat counter-intuitive. Farming is largley regarded as a “lifestyle business” and therefore afflicted by lower returns. I hypothesize that farms reporting to FINPACK do have strong contingent of high performing operations that affect the average. Our own immediate experience with professionally managed farms is they outperform both FINPACK and Z.1 means by wide margin.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/public-vs-private-companies</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-09-15</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/public-vs-private-it-matters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/ccf2d28f-e43b-40b3-afa1-ffa562fe2e0d/Opera+Snapshot_2022-09-01_110853_Walker20--20vs20comparison.pdf.png</image:loc>
      <image:title>Podcast - Public vs. private: it matters - 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>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/times-like-these-part-2</loc>
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    <lastmod>2022-07-21</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/times-like-these</loc>
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    <lastmod>2022-07-07</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/math-vs-reality</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-06-17</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/pricing-and-independence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-18</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/finding-bill</loc>
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    <lastmod>2022-04-14</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/xx2v6n0jif1zvyaf3y83r2f36deeq9</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-07</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/brcheyj4kdh26pbyanwds5kqe1obi1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/the-offence-of-conventional-wisdom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/hn6x2rbwsn09l3twe1hi208ehnibur</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-22</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/podcast/blog-post-title-one-ggbxp-g4xtm</loc>
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    <lastmod>2022-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/podcast/blog-post-title-one-ggbxp</loc>
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    <lastmod>2022-01-28</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/extracurricular</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-08</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/extracurricular/in-darkness-let-me-dwell</loc>
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    <lastmod>2025-03-08</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/extracurricular/event-one-ebdd5</loc>
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    <lastmod>2024-09-30</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/extracurricular/event-three-56g4e</loc>
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    <lastmod>2024-09-30</lastmod>
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    <loc>https://www.walkerinsight.com/extracurricular/event-two-ef5fr</loc>
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    <lastmod>2024-10-18</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2024-02-22</lastmod>
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  <url>
    <loc>https://www.walkerinsight.com/bios</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/82c0a026-0111-415a-a3bb-81ebe178fab3/73423387_706999043115570_5357580224080904192_n.jpg</image:loc>
      <image:title>History - Tom Sr. founded the firm in 1969.</image:title>
      <image:caption>The idea that stagflation, seismic shifts in monetary policy, double-digit inflation and interest rates, price controls, are just part of the geography of doing business is therefore wired deeply in our firm DNA.  Reasonable people can dispute whether Tom sought trouble or it sought him, but as it happened, he found himself immediately embroiled in various crises on behalf of his clients.  It seemed reasonable that an accountant might have some insight into financial matters (this was ages ago, before the exploding, Byzantine tax code forced increasing specialization in the industry). He saw that the missing piece in most cases was timely, accurate information.  And indeed, the firm mantra was “to provide actionable financial information to the owners of small businesses.” Tom Jr. joined just out of college (University of Northwestern – St. Paul) in 1989.   Sr. had been an early adopter of then-novel technologies like the PC and state-of-the-art spreadsheet software.  Advancements there opened whole new vistas of possibility in planning, price discovery, economic forecasting, and relevant historical research.  Those innovations seem almost passe in the current age, and yet: they remain highly underutilized in the under-$100 million firms, and as result, low-hanging fruit in managing risk and holding your competitive edge.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/about</loc>
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    <lastmod>2024-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/services</loc>
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    <lastmod>2024-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.walkerinsight.com/contact-us</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2022-03-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/17bc8e35-f072-4b43-9444-cda02f681e64/IMG_0014+crop.jpg</image:loc>
      <image:title>Contact Us - Thomas Walker, Jr.</image:title>
      <image:caption>tom2@walkerinsight.com (651) 999-9970 1133 Thomas Avenue North Minneapolis, MN 55411 Linkedin</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/618425091b40734752f503b8/cac4fc1b-85f2-478f-8f86-8aad41af5d82/10678697_10203621020499383_7311647944893910748_n.jpg</image:loc>
      <image:title>Contact Us - Thomas Walker, Sr.</image:title>
      <image:caption>tom@walkerinsight.com (612) 209-5563 1133 Thomas Avenue North Minneapolis, MN 55411 Linkedin</image:caption>
    </image:image>
  </url>
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