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estimates</image:title></image:image><lastmod>2018-05-09T16:40:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/04/16/commercial-real-estate-prices-vs-values/</loc><lastmod>2018-04-16T17:51:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/04/11/an-important-story-on-trade/</loc><lastmod>2018-04-11T19:56:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/04/09/damage-to-reputation-brand/</loc><lastmod>2018-04-09T23:29:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/04/04/aons-global-risk-management-survey/</loc><lastmod>2018-04-04T19:51:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/03/29/nyc-family-office-club/</loc><lastmod>2018-03-29T22:18:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/03/13/extraordinary-women-in-aviation/</loc><lastmod>2018-03-13T19:04:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2018/02/28/quarterly-phily-fed-survey/</loc><lastmod>2018-02-28T20:56:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/12/23/the-walmart-effect/</loc><lastmod>2017-12-23T19:59:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/12/18/livingston-survey-strengthens/</loc><lastmod>2017-12-18T19:27:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/12/11/so-folks-where-are-we-going-to-live/</loc><lastmod>2017-12-11T19:29:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/11/15/tax-reform-and-senior-housing/</loc><lastmod>2017-11-15T16:15:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/11/03/the-fed-everything-old-is-new-again/</loc><lastmod>2017-11-10T13:31:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/11/02/housing-overheated-again/</loc><lastmod>2017-11-02T17:03:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/10/13/retail/</loc><lastmod>2017-10-13T23:52:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/09/12/large-circular-storms/</loc><lastmod>2017-09-12T17:00:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/07/24/not-a-good-sign/</loc><lastmod>2017-07-25T01:28:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/07/19/wordpress-v-facebook/</loc><lastmod>2017-07-19T18:30:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/06/27/kroger-sigh/</loc><lastmod>2017-06-27T17:27:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/06/20/pwcs-quarterly-cre-review/</loc><lastmod>2017-06-20T19:32:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/06/05/demand-supply/</loc><lastmod>2017-06-05T15:20:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/04/27/trumps-tax-reform/</loc><lastmod>2017-04-27T16:41:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/03/25/a-word-about-health-care/</loc><lastmod>2017-03-25T20:48:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/03/24/sears-on-life-support/</loc><lastmod>2017-03-24T16:31:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/03/15/thus-spoke-janet/</loc><lastmod>2017-03-15T21:10:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/03/09/economics-of-climate-change/</loc><lastmod>2017-03-09T21:41:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/03/02/so-hows-real-estate/</loc><lastmod>2017-03-02T16:32:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/02/21/dreams-of-gdp-growth/</loc><lastmod>2017-02-21T20:00:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/02/19/the-long-lost-shopping-mall/</loc><lastmod>2017-02-19T13:42:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2017/02/14/well-thats-interesting/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2017/02/cbre-graphic.jpg</image:loc><image:title>cbre-graphic</image:title></image:image><lastmod>2017-02-14T17:41:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/20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republic cup</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2016/02/wolf1.jpg</image:loc><image:title>wolf1</image:title></image:image><lastmod>2016-02-16T20:02:01+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2015/12/17/pwc-surveys-investors/</loc><lastmod>2015-12-17T20:39:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/12/10/decembers-livingston-survey/</loc><lastmod>2015-12-10T22:56:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/12/02/12th-fed-district-issues-3q-report/</loc><lastmod>2015-12-02T18:07:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/10/17/pwcs-emerging-trends-in-real-estate-for-2016/</loc><lastmod>2015-10-17T18:18:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/08/20/have-i-written-about-thomas-bayes-yet/</loc><lastmod>2015-08-20T19:26:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/07/10/why-im-not-that-worried-about-greece/</loc><lastmod>2015-07-11T00:38:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/06/13/wow-where-was-i/</loc><lastmod>2015-06-14T02:05:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2015/05/08/american-real-estate-society-annual-meetings-2/</loc><lastmod>2015-05-08T19:54:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/cayo-hueso/the-independent-conch-republic/</loc><lastmod>2015-05-08T19:11:59+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/cayo-hueso/</loc><lastmod>2015-02-11T03:01:26+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/airports-part-deux/</loc><lastmod>2015-02-11T02:55:38+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2015/02/10/21st-century-valuation-problems/</loc><lastmod>2015-02-10T15:19:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2014/11/09/reitworld-2014/</loc><lastmod>2014-11-09T16:57:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/rental-car-musings/</loc><lastmod>2014-10-19T13:17:10+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2014/09/17/scotland-independence-and-u-s-real-estate/</loc><lastmod>2014-09-17T22:41:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2014/08/28/retail-real-estate/</loc><lastmod>2014-08-28T21:14:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2014/02/17/the-center-for-wooden-boats/</loc><lastmod>2014-02-17T18:59:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/airports-part-1/</loc><lastmod>2014-02-14T21:53:25+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2013/12/21/whew/</loc><lastmod>2013-12-22T02:23:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/08/23/a-quick-note-about-maps/</loc><lastmod>2013-08-24T00:22:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/08/16/quarterly-econ-survey-from-phily-fed/</loc><lastmod>2013-08-16T16:53:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/07/23/housing-starts-you-say/</loc><lastmod>2013-07-23T23:06:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/07/15/whats-happening-to-reits/</loc><lastmod>2013-07-16T00:35:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/07/11/mid-year-observations/</loc><lastmod>2013-07-11T21:40:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2013/01/01/fiscal-cliff-and-other-mental-meanderings/</loc><lastmod>2013-01-01T19:22:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/12/06/tea-leaves-and-such/</loc><lastmod>2012-12-06T17:57:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/11/23/5-economic-trends-to-be-thankful-for/</loc><lastmod>2012-11-24T15:44:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/11/21/corporate-investment-much-ado-about-something/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/11/investment-spending.jpg</image:loc><image:title>Investment Spending</image:title><image:caption>courtesy, Wall Street Journal</image:caption></image:image><lastmod>2012-11-21T18:57:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/10/19/european-real-estate-funding-gap/</loc><lastmod>2012-10-19T19:29:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/10/17/economic-outlook-fundamentals-and-shocks/</loc><lastmod>2012-10-17T16:51:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/10/15/reits-good-news-trumps-iffy-news/</loc><lastmod>2012-10-15T17:46:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/10/12/comments-to-the-appraisal-foundation-strategic-plan/</loc><lastmod>2012-10-12T17:20:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/10/01/rays-of-sunshine/</loc><lastmod>2012-10-01T17:10:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/09/20/and-now-for-something-completely-different/</loc><lastmod>2012-09-20T21:57:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/09/12/reit-research-real-estate-in-volatile-times/</loc><lastmod>2012-09-12T12:56:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/09/06/sustainability-follow-the-money/</loc><lastmod>2012-09-06T20:59:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/30/expert-witness-testimony/</loc><lastmod>2012-08-31T13:13:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/27/the-right-number-of-new-homes/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/08/8-27-12-blog-graphic-21.jpg</image:loc><image:title>8 27 12 blog graphic 2</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/08/8-27-12-blog-graphic-11.jpg</image:loc><image:title>8 27 12 blog graphic 1</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/08/8-27-12-blog-graphic-2.jpg</image:loc><image:title>8 27 12 blog graphic 2</image:title><image:caption>data courtesy Census Bureau</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/08/8-27-12-blog-graphic-1.jpg</image:loc><image:title>8 27 12 blog graphic 1</image:title><image:caption>data courtesy Census Bureau</image:caption></image:image><lastmod>2012-08-27T19:05:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/21/reit-fundraising-on-the-rise/</loc><lastmod>2012-08-21T18:48:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/20/tightened-appraisal-standards/</loc><lastmod>2012-08-21T12:12:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/16/reit-valuations-looking-forward/</loc><lastmod>2012-08-17T00:45:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/13/louisiana-oil-spills-and-the-atchafalaya/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/08/atchafalaya.gif</image:loc><image:title>atchafalaya</image:title><image:caption>Courtesy USGS</image:caption></image:image><lastmod>2012-08-13T18:08:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/08/08/appraisal-institute-meeting-in-san-diego/</loc><lastmod>2012-08-08T14:11:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/07/31/real-estate-and-the-long-game/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/07/median-population-age1.jpg</image:loc><image:title>median population age</image:title><image:caption>data courtesty The Economist, July 28, 2012</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/07/median-population-age.jpg</image:loc><image:title>median population age</image:title><image:caption>data courtesy The Economist, July 28, 2012</image:caption></image:image><lastmod>2012-09-05T11:37:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/winston-churchill/</loc><lastmod>2013-01-09T23:29:00+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2012/07/30/reis-reports-on-the-office-market/</loc><lastmod>2012-07-30T15:33:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/07/26/apartments-economic-uncertainty-and-demographic-shifts/</loc><lastmod>2012-07-26T18:40:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/07/23/real-estate-portfolio-choices/</loc><lastmod>2012-07-29T21:06:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/cruise-lines/</loc><lastmod>2012-07-20T17:00:37+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2012/07/19/real-estate-securities-and-stock-markets/</loc><lastmod>2012-07-20T13:28:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/07/16/reit-development-pipeline/</loc><lastmod>2012-07-16T16:10:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/07/08/international-financial-reporting-standards/</loc><lastmod>2012-07-12T19:11:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/06/26/sp-case-shiller-report-13/</loc><lastmod>2012-06-28T13:14:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/06/25/new-home-sales-much-ado-about-not-enough-20/</loc><lastmod>2012-06-26T17:28:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/06/13/north-to-alaska/</loc><lastmod>2012-06-13T22:16:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/05/29/wither-goeth-the-euro/</loc><lastmod>2012-05-29T16:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/05/24/state-of-alaska-v-wold-take-2/</loc><lastmod>2012-05-24T19:08:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/05/22/state-of-alaska-v-wold/</loc><lastmod>2012-06-15T13:47:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/04/26/american-real-estate-society-annual-meetings/</loc><lastmod>2012-04-26T18:24:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/04/06/welcome-to-april/</loc><lastmod>2012-04-06T20:12:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/03/27/gulf-coast-oil-spill-update/</loc><lastmod>2012-03-28T19:23:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/03/02/real-estate-marketing-focus/</loc><lastmod>2012-03-12T15:51:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/28/latest-from-sp-case-shiller/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/sp-case-shiller-feb-28-pic-2.jpg</image:loc><image:title>S&amp;P Case Shiller feb 28 pic 2</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/sp-case-shiller-feb-28-pic-1.jpg</image:loc><image:title>S&amp;P Case Shiller feb 28 pic 1</image:title></image:image><lastmod>2012-02-28T21:41:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/26/retail-and-the-internet/</loc><lastmod>2012-02-26T21:30:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/22/u-s-housing-market-good-news-and-bad/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/home-prices-january-2012.jpg</image:loc><image:title>Home Prices January 2012</image:title><image:caption>graphic courtesy CNN-Money</image:caption></image:image><lastmod>2012-02-22T18:26:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/21/a-few-thoughts-about-the-stock-market/</loc><lastmod>2012-02-21T17:32:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/17/retail-on-the-mend/</loc><lastmod>2012-02-17T17:57:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/16/canada-looking-more-like-the-us-and-uk/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/canadian-debt-ratio.jpg</image:loc><image:title>Canadian debt ratio</image:title><image:caption>courtesy RICS Global Real Estate Weekly</image:caption></image:image><lastmod>2012-02-16T18:02:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/15/housing-news/</loc><lastmod>2012-02-16T00:54:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/14/european-banking/</loc><lastmod>2012-02-14T19:05:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/13/conerlys-businomics-newsletter/</loc><lastmod>2012-02-13T17:51:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/08/a-truly-dumb-idea/</loc><lastmod>2012-02-08T19:34:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/06/marcus-millichaps-apartment-report/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/mm-figure-3.jpg</image:loc><image:title>Prices and Cap Rates</image:title><image:caption>courtesy Marcus &amp; Millichap</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/mm-figure-2.jpg</image:loc><image:title>Completions versus Absorption</image:title><image:caption>courtesy Marcus &amp; Millichap</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/02/mm-figure-1.jpg</image:loc><image:title>Population Trend</image:title><image:caption>courtesy Marcus &amp; Millichap</image:caption></image:image><lastmod>2012-02-07T00:02:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/03/yet-another-comment-about-todays-economic-news/</loc><lastmod>2012-02-03T18:10:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/02/01/proposals-for-fixing-housing/</loc><lastmod>2012-02-07T18:45:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/01/31/sp-case-shiller-index/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/01/sp-jan-20121.jpg</image:loc><image:title>S&amp;P Jan 2012</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2012/01/sp-jan-2012.jpg</image:loc><image:title>S&amp;P Jan 2012</image:title></image:image><lastmod>2012-01-31T18:09:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/01/30/global-r-e-perspective/</loc><lastmod>2012-01-30T18:11:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/01/27/the-death-of-defined-benefit-plans/</loc><lastmod>2012-01-30T04:18:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/01/23/korpacz-survey/</loc><lastmod>2012-01-24T13:01:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2012/01/03/my-newest-friend/</loc><lastmod>2012-01-03T20:54:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/31/renaissance-weekend/</loc><lastmod>2011-12-31T18:59:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/28/economy-set-to-improve/</loc><lastmod>2011-12-28T15:48:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/27/fdic-supervisory-insights/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/12/fdic-winter-2011-2.jpg</image:loc><image:title>FDIC Winter 2011 2</image:title><image:caption>Courtesy FDIC</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/12/fdic-winter-20112.jpg</image:loc><image:title>FDIC Winter 2011</image:title><image:caption>graphic courtesy FDIC</image:caption></image:image><lastmod>2011-12-27T19:14:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/14/musings-about-the-real-estate-market-part-2/</loc><lastmod>2011-12-15T16:59:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/13/mort-zuckerman-in-u-s-news/</loc><lastmod>2011-12-13T17:00:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/07/niall-ferguson-in-newsweek/</loc><lastmod>2011-12-08T14:24:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/07/and-a-bit-more-about-archstone/</loc><lastmod>2011-12-07T16:27:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/04/lehman-back-in-the-news/</loc><lastmod>2011-12-05T03:20:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/12/02/unemployment-better-or-worse/</loc><lastmod>2011-12-02T18:43:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/30/musings-about-the-real-estate-market-part-1/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/nahb-housing-starts.jpg</image:loc><image:title>NAHB Housing Starts</image:title></image:image><lastmod>2011-12-01T23:46:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/29/sp-case-shiller-report/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/sp-3q2011.jpg</image:loc><image:title>S&amp;P 3Q2011</image:title><image:caption>Chart Courtesy S&amp;P - Case Shiller</image:caption></image:image><lastmod>2011-11-29T17:53:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/27/gdp-housing-and-post-thanksgiving-musings/</loc><lastmod>2011-11-28T14:42:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/22/muellers-market-cycle-monitor-3/</loc><lastmod>2011-11-23T20:15:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/23/predicting-recessions/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/recession-probabilities-2006-present.jpg</image:loc><image:title>Recession probabilities 2006 - present</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/yield-curve-spread-2006-present.jpg</image:loc><image:title>Yield Curve Spread 2006 - present</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/estrella-and-trubin-chart-22.jpg</image:loc><image:title>Estrella and Trubin Chart 2</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/estrella-and-trubin-chart-1.jpg</image:loc><image:title>Estrella and Trubin Chart 1</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/estrella-and-trubin-chart-21.jpg</image:loc><image:title>Estrella and Trubin Chart 2</image:title><image:caption>Chart adapted from Estrella and Trubin, 2006</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/estrella-and-trubin-chart-2.jpg</image:loc><image:title>Estrella and Trubin Chart 2</image:title><image:caption>Chart taken from Estrella and Trubin, 2006</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/recession-predicting-formula.jpg</image:loc><image:title>Recession predicting formula</image:title></image:image><lastmod>2011-11-23T18:13:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/21/bottom-bottom-who-can-find-the-bottom/</loc><lastmod>2011-11-22T18:19:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/18/hard-to-feel-sorry-for-bank-of-america/</loc><lastmod>2011-11-18T18:36:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/17/philadelphia-fed-business-conditions-index/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/bos1111chart.jpg</image:loc><image:title>bos1111chart</image:title><image:caption>Courtesy, Philadelphia FED, November 17, 2011</image:caption></image:image><lastmod>2011-11-17T17:54:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/16/greenfields-manufacturing-research-partnership/</loc><lastmod>2011-11-16T16:38:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/15/googles-real-estate-index/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/google-real-estate-index.jpg</image:loc><image:title>Google Real Estate Index</image:title><image:caption>courtesy:  Google Real Estate Index and iShares Dow Jones U.S. Real Estate</image:caption></image:image><lastmod>2011-11-15T19:05:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/14/philadelphia-fed-survey/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/inflation-forecasts-phily-fed-4-q-2011.jpg</image:loc><image:title>Inflation forecasts Phily FED 4-Q 2011</image:title><image:caption>Courtesy Philadelphia FED Quarterly Survey of Professional Forecasters</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/unemployment-forecasts-phily-fed-4-q-2011-for-2012.jpg</image:loc><image:title>Unemployment forecasts Phily FED 4-Q 2011 for 2012</image:title><image:caption>Courtesy Philadelphia FED Quarterly Survey of Professional Forecasters</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/unemployment-forecasts-phily-fed-4-q-2011.jpg</image:loc><image:title>Unemployment forecasts Phily FED 4-Q 2011</image:title><image:caption>Courtesy Philadelphia FED Quarterly Survey of Professional Forecasters</image:caption></image:image><lastmod>2011-11-14T18:39:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/11/now-for-a-little-good-news/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/reit-performance-by-selected-sector-ytd-2011.jpg</image:loc><image:title>REIT performance by selected sector YTD 2011</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/reit-perfomance-by-selected-sector-ytd-2011.jpg</image:loc><image:title>REIT perfomance by selected sector YTD 2011</image:title></image:image><lastmod>2011-11-11T17:50:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/09/and-yet-another-post-about-housing/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/median-asking-price-3q-2011.jpg</image:loc><image:title>median asking price 3q 2011</image:title><image:caption>courtesy U.S. Census Bureau, 11/9/11</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/home-ownership-rates-3q-2011.jpg</image:loc><image:title>home ownership rates 3q 2011</image:title><image:caption>courtesy U.S. Census Bureau, 11/9/11</image:caption></image:image><lastmod>2011-11-09T16:24:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/08/housing-redux/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/mortgage-purchase-index.jpg</image:loc><image:title>mortgage purchase index</image:title><image:caption>Mortgage Purchase Index</image:caption></image:image><lastmod>2011-11-08T21:35:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/11/07/the-housing-market-damning-with-faint-praise/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/11/new-home-sales.jpg</image:loc><image:title>new home sales</image:title></image:image><lastmod>2011-11-07T23:17:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/07/04/alison-versus-exxon/</loc><lastmod>2011-07-06T20:11:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/06/22/cnbc-reports-on-housing-doldrums/</loc><lastmod>2011-06-22T18:58:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/06/09/the-livingston-survey-semi-good-news/</loc><lastmod>2011-06-09T16:06:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/06/07/a-movie-review-of-sorts/</loc><lastmod>2011-06-08T00:54:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/06/02/housing-finance-take-2/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/06/wsj-money-velocity1.jpg</image:loc><image:title>WSJ Money Velocity</image:title><image:caption>Graph courtesy The Wall Street Journal</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/06/wsj-money-velocity.jpg</image:loc><image:title>WSJ Money Velocity</image:title><image:caption>Graphic courtesy the Wall Street Journal</image:caption></image:image><lastmod>2011-06-08T00:19:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/06/01/housing-and-todays-wsj/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/06/sp-case-shiller-as-of-may-31-20111.jpg</image:loc><image:title>S&amp;P Case Shiller as of May 31 2011</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/06/sp-case-shiller-as-of-may-31-2011.jpg</image:loc><image:title>S&amp;P Case Shiller as of May 31 2011</image:title></image:image><lastmod>2011-06-02T00:18:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/31/apartment-investing-cap-rate-divergence/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/reis-cap-rate-divergence1.jpg</image:loc><image:title>REIS Cap Rate Divergence</image:title></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/reis-cap-rate-divergence.jpg</image:loc><image:title>REIS Cap Rate Divergence</image:title></image:image><lastmod>2011-06-01T18:05:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/27/muellers-market-cycle-monitor-2/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/muellers-market-cycle-theory.jpg</image:loc><image:title>Mueller's Market Cycle Theory</image:title></image:image><lastmod>2011-05-27T18:06:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/13/phily-fed-econ-forecast/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/philadelphia-fed-gdp-projections-2q-20111.jpg</image:loc><image:title>Philadelphia FED GDP Projections 2Q 2011</image:title><image:caption>Philadelphia FED GDP Projections 2Q 2011</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/philadelphia-fed-ten-year-inflation-projections-as-of-2q-2011.jpg</image:loc><image:title>Philadelphia FED Ten-Year Inflation Projections as of 2Q 2011</image:title><image:caption>Philadelphia FED Ten-Year Inflation Projections as of 2Q 2011</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/philadelphia-fed-unemployment-projections-2q-2011.jpg</image:loc><image:title>Philadelphia FED Unemployment Projections 2Q 2011</image:title><image:caption>Philadelphia FED Unemployment Projections 2Q 2011</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/philadelphia-fed-gdp-projections-2q-2011.jpg</image:loc><image:title>Philadelphia FED GDP Projections 2Q 2011</image:title><image:caption>Philadelphia FED GDP Projectsions 2Q 2011</image:caption></image:image><lastmod>2011-05-13T17:55:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/12/global-and-local-data/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/rics-global-property-survey-1q2011.jpg</image:loc><image:title>RICS Global Property Survey 1Q2011</image:title><image:caption>from RICS Global Commericial Real Estate Survey 1Q2011</image:caption></image:image><lastmod>2011-05-12T17:27:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/10/reis-reports-on-apartment-office-markets/</loc><lastmod>2011-05-10T16:23:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/09/home-prices-decline-why/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/05/zillow-1q2011.png</image:loc><image:title>Zillow 1q2011</image:title></image:image><lastmod>2011-05-10T16:04:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/04/job-search-from-the-ceos-perspective/</loc><lastmod>2011-05-04T15:53:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/05/02/jpmorgan-chase-settles-military-class-action/</loc><lastmod>2011-05-03T00:40:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/28/greenfield-named-a-best-place-to-work/</loc><lastmod>2011-04-28T16:58:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/27/home-ownership-vacancy-rates/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/04/owner-occupied-vacancy-percentage.jpg</image:loc><image:title>Owner Occupied Vacancy Percentage</image:title></image:image><lastmod>2011-04-27T20:59:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/18/japan-earthquake/</loc><lastmod>2011-04-18T15:36:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/16/musings-of-an-expert-witness/</loc><lastmod>2011-04-16T17:58:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/more-observations-of-a-frequent-flyer/</loc><lastmod>2011-04-16T17:29:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/speaking-of-awards/</loc><lastmod>2011-04-16T17:15:44+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2011/04/12/second-quickie-from-the-wsj/</loc><lastmod>2011-04-12T22:42:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/12/two-quickies-from-the-wsj/</loc><lastmod>2011-04-12T22:23:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/11/nevada/</loc><lastmod>2011-04-11T14:29:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/04/02/sushi-or-dead-fish/</loc><lastmod>2011-04-02T15:30:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/25/gulf-oil-spill-lessons-learned-conference/</loc><lastmod>2011-03-26T02:18:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/18/japan-take-2/</loc><lastmod>2023-11-17T22:15:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/17/appraisal-and-financial-reporting/</loc><lastmod>2011-03-17T16:32:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/11/of-japan-earthquakes-and-real-estate/</loc><lastmod>2011-03-12T00:13:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/you-shouldnt-read-this/latest-award/</loc><lastmod>2011-03-10T19:53:12+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnakilpatrick.com/2011/03/10/conerly-consulting/</loc><lastmod>2011-03-10T19:43:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/08/muellers-market-cycle-monitor/</loc><lastmod>2011-03-08T21:44:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/03/04/construction-defects/</loc><lastmod>2011-03-04T20:25:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/16/zichlin-school-of-business/</loc><lastmod>2011-02-28T14:32:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/26/food-and-real-estate/</loc><lastmod>2011-02-26T17:43:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/23/scope-creep-or-evolution/</loc><lastmod>2011-02-23T17:50:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/17/daily-show-w-jon-stewart/</loc><lastmod>2011-02-17T16:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/11/two-in-one-day/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/02/chart-2-for-2-11-11-blog.jpg</image:loc><image:title>Unemployment -- New vs. Previous</image:title><image:caption>(c) Greenfield Advisors LLC, with data from the Philadelphia FED</image:caption></image:image><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/02/chart-1-for-2-11-11-blog.jpg</image:loc><image:title>GDP Growth -- Previous vs. New</image:title><image:caption>(c) Greenfield Advisors LLC, with data from the Philadelphia FED</image:caption></image:image><lastmod>2011-02-11T18:53:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/11/the-death-of-the-fixed-rate-mortgage/</loc><lastmod>2011-02-11T16:59:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnakilpatrick.com/2011/02/09/housing-equilibrium-part-3/</loc><image:image><image:loc>https://johnakilpatrick.com/wp-content/uploads/2011/02/suspended-animation.gif</image:loc><image:title>Courtesy The Economist, Feb 5, 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