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courtesy of freedigitalphotos.net</image:caption></image:image><lastmod>2013-02-20T22:08:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/12-monitoring-assets-held-within-portfolios/</loc><lastmod>2013-02-20T22:05:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/11-selecting-the-valuation-date-for-aua/</loc><lastmod>2013-02-20T22:05:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/10-the-simple-formula-may-not-be-so-simple-to-verify/</loc><lastmod>2014-05-23T09:03:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/9-capital-requirement-will-be-lower-at-times-where-there-is-a-higher-risk-of-consumer-harm/</loc><lastmod>2013-02-20T22:04:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/8-misalignment-with-sipp-operator-charging-structures/</loc><lastmod>2013-02-20T22:03:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/7-misalignment-of-interests-between-sipp-operators-and-consumers-regarding-asset-valuations/</loc><lastmod>2013-02-20T22:03:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/6-large-number-of-small-plans-vs-small-number-of-large-plans/</loc><lastmod>2013-02-20T22:02:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/5-divergence-from-cost-of-wind-down-as-regime-beds-in/</loc><lastmod>2013-02-20T22:02:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/4-the-cost-of-transferring-or-selling-an-asset-is-not-linked-to-the-value-of-an-asset/</loc><lastmod>2013-02-20T22:02:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/3-uncontrollable-calls-for-capital-lead-to-non-robust-business-models/</loc><lastmod>2013-02-20T22:01:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/2-release-of-capital-to-sipp-operator-despite-no-change-in-risk-of-consumer-harm/</loc><lastmod>2013-02-20T22:01:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/21/1-capital-is-not-there-just-when-it-is-needed/</loc><image:image><image:loc>https://andrewddroberts.com/wp-content/uploads/2013/02/id-1009915.jpg</image:loc><image:title>Counter</image:title><image:caption>image courtesy of freedigitalphotos.net</image:caption></image:image><image:image><image:loc>https://andrewddroberts.com/wp-content/uploads/2013/02/id-1001024221.jpg</image:loc><image:title>Counter</image:title><image:caption>image courtesy of freedigitalphotos.net</image:caption></image:image><lastmod>2013-02-20T22:00:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/20/the-headscratching-is-about-to-begin-teaser/</loc><image:image><image:loc>https://andrewddroberts.com/wp-content/uploads/2013/02/id-10095679.jpg</image:loc><image:title>headscratching</image:title><image:caption>image courtesy of freedigitalphotos.net</image:caption></image:image><image:image><image:loc>https://andrewddroberts.com/wp-content/uploads/2013/02/id-10081395.jpg</image:loc><image:title>ID-10081395</image:title></image:image><lastmod>2013-02-20T21:58:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/05/andrew-roberts/</loc><lastmod>2013-02-20T21:45:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://andrewddroberts.com/2013/02/08/if-the-cap-fits/</loc><image:image><image:loc>https://andrewddroberts.com/wp-content/uploads/2013/02/id-10035256.jpg</image:loc><image:title>If the Cap fits ... 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