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    <loc>https://www.humanfinancial.com.au/article</loc>
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    <lastmod>2026-07-21</lastmod>
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  <url>
    <loc>https://www.humanfinancial.com.au/article/fy2026-a-year-of-records-and-reversals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-21</lastmod>
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      <image:title>Insights - FY2026: A year of records and reversals - 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/v1/6892a1d914817d77fd70a935/62d9e836-9a4c-462b-98d3-6569931e9b20/Indicative+levels+and+returns</image:loc>
      <image:title>Insights - FY2026: A year of records and reversals - Make it stand out</image:title>
      <image:caption>Indicative levels and returns, price/spot basis, rounded; compiled from public data to 30 June 2026 (ASX 200 total return ≈ +7% incl. dividends). † NYSE FANG+ Index level as at 30 Jun 2026; its high is intraday, while the −5.8% year-end drawdown and −22.8% maximum drawdown are on a closing basis. To be reconciled to HF’s data source before publication.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/db99ba15-bea4-4f9f-8d1d-4305f1c3f0f3/MEGACAP+TECH+2026+RETURN+TO+30+JUNE</image:loc>
      <image:title>Insights - FY2026: A year of records and reversals - Make it stand out</image:title>
      <image:caption>Price basis, 1 January to 30 June 2026. Amazon, Meta and Tesla sat between the leaders and Microsoft.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/exuberant-markets-are-haunted</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-21</lastmod>
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      <image:title>Insights - Exuberant markets are haunted by four ghosts - Make it stand out</image:title>
      <image:caption>Source: Bloomberg, Human Financial</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/shell-be-right-wont-she</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-06-22</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/north</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-05</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/the-attractive-illusion-of-cheap-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/558f3b7b-33a6-4232-afdb-f9ddb2a33313/Screenshot+2026-04-30+at+9.51.23%E2%80%AFAM.png</image:loc>
      <image:title>Insights - The attractive illusion of cheap markets - 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/v1/6892a1d914817d77fd70a935/291738b9-53dc-47e8-88e9-3fb73dd936d2/Screenshot+2026-04-20+at+12.26.54%E2%80%AFPM.png</image:loc>
      <image:title>Insights - The attractive illusion of cheap markets - 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/v1/6892a1d914817d77fd70a935/b6d36cb0-9f7a-4846-b987-f44b69b40d5c/Screenshot+2026-04-20+at+12.27.19%E2%80%AFPM.png</image:loc>
      <image:title>Insights - The attractive illusion of cheap markets - 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/v1/6892a1d914817d77fd70a935/3e77e20b-d777-45c8-86bf-8e37d54b16bf/Screenshot+2026-04-20+at+12.27.26%E2%80%AFPM.png</image:loc>
      <image:title>Insights - The attractive illusion of cheap markets - 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/v1/6892a1d914817d77fd70a935/bc050dab-563d-45a4-a044-0bb1ce9145f4/Picture+1.png</image:loc>
      <image:title>Insights - The attractive illusion of cheap markets - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg. As at 31.03.2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/human-financial-now-a-specialist-portfolio-manager-on-cfs-firstchoice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-21</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/geopolitical-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-20</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/a-year-of-surprises</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-15</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/december-market-review-a-risk-on-finish</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/why-ai-feels-like-dot-com-dj-vu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/1da99239-4d53-41bd-be04-6a4c1efa22a4/US+internet+usage+96-02</image:loc>
      <image:title>Insights - Why AI feels like dot-com déjà vu - 1996-2002, US internet usage increased from 16-59% of population while tech stocks rallied hard then plummeted</image:title>
      <image:caption>Source: Bloomberg, World Bank via FRED®</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/glittering-gold-offsets-market-optimism</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-30-october-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/markets-enter-a-curious-and-ambiguous-phase</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/bc9f455c-261b-470e-8284-ad9cc3e90af3/Screenshot+2025-10-21+at+3.25.07%E2%80%AFPM.png</image:loc>
      <image:title>Insights - Markets enter a curious and ambiguous phase - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/rotation-fragility-and-two-decisions-that-matter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-29-august-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/when-moment-slips-into-speeding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/3f2d94ff-5afc-479b-9d0b-97f634cfe1e1/Screenshot_2025-08-11_105313.png</image:loc>
      <image:title>Insights - When momentum slips into speeding - Source: Human Financial, Bloomberg</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-28-july-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/00572ff1-1b93-4e3f-979e-93f15a761712/MarketBriefMomentumTrap</image:loc>
      <image:title>Insights - Market Brief: The momentum trap - 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.humanfinancial.com.au/article/optimism-ignores-geopolitical-reality</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-20-june-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/omen-or-opportunity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-30-may-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-20-may-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-5-may-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/when-visibility-is-poor-focus-on-your-feet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-23-april-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/bond-market-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/riding-the-bear-revisited</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/86b84951-4ae3-4b82-bfe8-2bd667f01e9b/World+Equity+Factor+Performance</image:loc>
      <image:title>Insights - Riding the bear, revisited - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-4-april-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/navigating-the-sea-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-27-february-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/disruptors-or-enablers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/94bce60a-7bcf-45bf-a46b-b8b02ef28d09/2502_chart1.png</image:loc>
      <image:title>Insights - Disruptors or enablers? - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-31-january-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/markets-are-spinning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/lather-rinse-repeat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/6dd09d6a-fce7-45b4-bf91-036ca8b5a7f8/Fig12.png</image:loc>
      <image:title>Insights - Lather, rinse, repeat? - 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/v1/6892a1d914817d77fd70a935/e9e22b68-9a40-442c-95c6-ece9165b0957/Fig34.png</image:loc>
      <image:title>Insights - Lather, rinse, repeat? - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg. Data since 1989, apart from Bitcoin since July 2010</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/53dce8b1-ab6b-489c-a8df-2bdde5b44dcf/LRR_Fig5678.png</image:loc>
      <image:title>Insights - Lather, rinse, repeat? - 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.humanfinancial.com.au/article/market-brief-12-november-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/feccf2cd-fdf5-4598-ad45-c05bc10dfe84/Screenshot_2024-11-13_at_2.00.48_PM.png</image:loc>
      <image:title>Insights - Market Brief: Australia has over 200% of GDP in debt - Australia Has Over 200% GDP in Debt</image:title>
      <image:caption>Click here to watch the video on LinkedIn</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/it-doesnt-always-pay-to-play-favourites</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/60e118c1-13fc-4ccb-b8bf-140661174cbf/fig1.png</image:loc>
      <image:title>Insights - It doesn’t always pay to play favourites - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg. As at 31/10/2024</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/a-strong-quarter-with-a-surprise-ending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/68b58143-a1aa-4ac9-806e-69ec19f2c476/majorEquityMarketReturns.png</image:loc>
      <image:title>Insights - A strong quarter, with a surprise ending - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg. As at 30/09/2024</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-24-september-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/what-do-they-know-that-we-dont</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/acef5597-3d84-4090-8598-4002af2ff373/240905_chart.png</image:loc>
      <image:title>Insights - What do they know that we don't? - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-22-august-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/volatility-are-you-sinking-or-sailing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/8d60e815-f024-476e-ab99-2edda0943083/Commentary_2408_1_Equity_and_bond_volatility.png</image:loc>
      <image:title>Insights - Volatility: Are you sinking or sailing? - 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/v1/6892a1d914817d77fd70a935/8103cfff-2812-43a4-9ec0-f4041c11322c/Commentary_2408_2_Rolling_30-day_volatility.png</image:loc>
      <image:title>Insights - Volatility: Are you sinking or sailing? - 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.humanfinancial.com.au/article/market-brief-25-july-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/the-bear-in-bulls-clothing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/e35a271c-ec4c-4c44-85fa-2879d6b069a3/figure_1.png</image:loc>
      <image:title>Insights - The bear in bull’s clothing - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/5d9d858e-2c51-4545-9606-7b847bb09562/figure_2.png</image:loc>
      <image:title>Insights - The bear in bull’s clothing - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/0f39e079-7bc0-4872-816e-f6be19771771/figure_3.png</image:loc>
      <image:title>Insights - The bear in bull’s clothing - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-24-june-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/australians-are-in-a-price-vice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/78800454-4cc7-4522-8708-36fbae1f2369/priceVice01.png</image:loc>
      <image:title>Insights - Australians are in a price vice - Make it stand out</image:title>
      <image:caption>Source: Human Financial, ABS. Numbers adjusted by total CPI.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/12223e49-ba9e-41e0-84b9-9e28b2ba3ad2/priceVice02.png</image:loc>
      <image:title>Insights - Australians are in a price vice - Make it stand out</image:title>
      <image:caption>Source: Human Financial, ABS. Category numbers adjusted by their own CPI as reported by the ABS. The ABS does not report category CPI for Hotels, cafes and restaurants and misc. goods and services thus their numbers are adjusted by total CPI.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/bb5c1484-d7d3-4132-96c7-101ab914a4e4/priceVice03.png</image:loc>
      <image:title>Insights - Australians are in a price vice - Make it stand out</image:title>
      <image:caption>Source: Human Financial, ABS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-23-may-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/april-fooled-the-bulls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/5278d085-d384-4c74-b9a1-8867808f0f56/image__7_.png</image:loc>
      <image:title>Insights - April fooled the bulls - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/f1cfca67-0322-4ea9-b5b7-08e662226a95/image__8_.png</image:loc>
      <image:title>Insights - April fooled the bulls - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/96a7f67a-8807-42cf-8536-9d0e57bbb79e/image+%2815%29.png</image:loc>
      <image:title>Insights - April fooled the bulls - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Citi, Bloomberg (vertical axis cutoff for formatting purposes)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/4d3d8bad-37fe-4d5d-832f-cad52e6fd9db/image__11_.png</image:loc>
      <image:title>Insights - April fooled the bulls - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-29-april-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-25-march-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/crystal-balls-dont-tell-all</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/abaacc2f-ba88-4a4f-8f16-7f6ab943c3fe/CB1_EMplot.png</image:loc>
      <image:title>Insights - Crystal balls don’t tell all - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/9803baae-7f13-478b-bb64-c635998a6548/CB2_rates.png</image:loc>
      <image:title>Insights - Crystal balls don’t tell all - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg (USA shown as an absolute number)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/335b1775-f9d6-4f6e-ba51-fa06a1170c95/CB3_EMgraph.png</image:loc>
      <image:title>Insights - Crystal balls don’t tell all - Make it stand out</image:title>
      <image:caption>Source: Human Financial, Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/market-brief-7-march-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/extra-hot-or-extra-strong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/73661e43-cf96-4bd1-96ce-1f6c683d9332/20240227_xtra1.png</image:loc>
      <image:title>Insights - Extra hot or extra strong? - Make it stand out</image:title>
      <image:caption>Source: Citi Economic Surprise indices, Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/d0507aed-6b7f-4b82-910f-7f1a709363bb/20240227_xtra2.png</image:loc>
      <image:title>Insights - Extra hot or extra strong? - Make it stand out</image:title>
      <image:caption>Source: Bloomberg, CFML. Note: axis have been shortened for formatting i.e. some outlying quarters might not be showing in chart</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/fed-about-face</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/accc65bb-b047-4164-95e6-fed98513f0bb/Fed_about-face_-_fig_1+%281%29.png</image:loc>
      <image:title>Insights - Fed about-face - 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/v1/6892a1d914817d77fd70a935/2607f312-0421-4b1f-9705-ad4f3984fc64/Fed_about-face_-_fig_2+%281%29.png</image:loc>
      <image:title>Insights - Fed about-face - 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.humanfinancial.com.au/article/everything-everywhere-all-at-once</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/f1a80779-2c7f-4c1f-a5a1-ec3cf4f6b6c6/Everything_everywhere_all_at_once_-_fig_1.png</image:loc>
      <image:title>Insights - Everything everywhere all at once - 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/v1/6892a1d914817d77fd70a935/95faf841-88c9-478e-963f-76fe520e848b/Everything_everywhere_all_at_once_-_fig_2.png</image:loc>
      <image:title>Insights - Everything everywhere all at once - 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.humanfinancial.com.au/article/on-patience-and-persistence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/99617807-cae5-48fc-b625-06e45dbdbd42/On_patience_and_persistence_-_graphs.png</image:loc>
      <image:title>Insights - On patience and persistence - 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.humanfinancial.com.au/article/spooky-september</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/ec3b7b1d-092f-418b-84d4-bb57d44193e0/Spooky_September_-_fig_1.png</image:loc>
      <image:title>Insights - Spooky September - 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/v1/6892a1d914817d77fd70a935/84c6292f-6614-4340-871f-875c086e5386/Spooky_September_-_fig_2.png</image:loc>
      <image:title>Insights - Spooky September - 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/v1/6892a1d914817d77fd70a935/af16bf18-f377-48e8-887d-cb42d178c41b/Spooky_September_-_fig_3.png</image:loc>
      <image:title>Insights - Spooky September - 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/v1/6892a1d914817d77fd70a935/18b2ce53-e8f9-4dd0-b10e-b97560df6004/Spooky_September_-_fig_4.png</image:loc>
      <image:title>Insights - Spooky September - 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.humanfinancial.com.au/article/beat-the-heat-before-the-storm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/busy-bee-central-bankers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/sleep-soundly-but-avoid-the-hangover</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/ce4c4e00-337e-4117-909d-aeeea60429f1/TermDepositsGraph.png</image:loc>
      <image:title>Insights - Sleep soundly, but avoid the hangover - 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.humanfinancial.com.au/article/riding-the-bear</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.humanfinancial.com.au/article/timeless-style</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/efb3e838-365e-4cb5-9876-039b9338e6ac/timelessStyleImage01.png</image:loc>
      <image:title>Insights - Timeless style - 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.humanfinancial.com.au/article/comparing-apples-and-oranges</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6892a1d914817d77fd70a935/a6685bcd-bc6b-471a-9d01-7a4a9fd331bc/applesOrangesImage01.png</image:loc>
      <image:title>Insights - Comparing apples and oranges - 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.humanfinancial.com.au/article/the-changing-rate-of-rate-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
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      <image:title>Insights - The changing rate of rate change - 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.humanfinancial.com.au/article/category/Read</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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    <loc>https://www.humanfinancial.com.au/article/category/Watch</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://www.humanfinancial.com.au/home</loc>
    <changefreq>daily</changefreq>
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      <image:title>Enhanced Index series</image:title>
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      <image:title>Enhanced Index series</image:title>
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