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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><lastmod>2017-09-07</lastmod></url><url><loc>https://www.neamgroup.com/insights/returns-yields-2019-the-more-things-change-the-more-they-stay-the-same</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Chris-Pavamani.png</image:loc><image:caption>Chris-Pavamani</image:caption><image:title>Chris-Pavamani</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><lastmod>2016-06-09</lastmod></url><url><loc>https://www.neamgroup.com/careers</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/web__0045_2022-NEAM-G_Plona_BW.jpg.png</image:loc><image:caption>web00452022NEAMGPlonaBWjpg</image:caption><image:title>web00452022NEAMGPlonaBWjpg</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/2022%20NEAM%20E_Vassar%20BW.png</image:loc><image:caption>EricVassar</image:caption><image:title>2022NEAMEVassarBW</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwardsMultiYearweb</image:caption><image:title>RegionalAwardsMultiYearweb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/web__0005_2022-NEAM-B_Andrew-Berry_BW.jpg.png</image:loc><image:caption>web00052022NEAMBAndrewBerryBWjpg</image:caption><image:title>web00052022NEAMBAndrewBerryBWjpg</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/2022%20NEAM%20P_Malinics%20BW.png</image:loc><image:caption>2022NEAMPMalinicsBW</image:caption><image:title>2022NEAMPMalinicsBW</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/2024%20NEAM%20S_Toncelli_BW.png</image:loc><image:caption>2024NEAMSToncelliBW</image:caption><image:title>2024NEAMSToncelliBW</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/careers.jpg</image:loc><image:caption>careers</image:caption><image:title>careers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/web__0052_2022-NEAM-J_Bello_BW.jpg.png</image:loc><image:caption>web00522022NEAMJBelloBWjpg</image:caption><image:title>web00522022NEAMJBelloBWjpg</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><lastmod>2025-07-29</lastmod></url><url><loc>https://www.neamgroup.com/insights/puerto-rico-highway-authority-revenue-bond-ruling-red-herring-or-red-alert</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/NEAM-Group-bloomberg-barclays-municipal-bond-index-8-31-19.jpg</image:loc><image:caption>NEAM-Group-bloomberg-barclays-municipal-bond-index-8-31-19</image:caption><image:title>NEAM-Group-bloomberg-barclays-municipal-bond-index-8-31-19</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/NEAM-Group-muni-market-sector-distribution-8-31-19.jpg</image:loc><image:caption>NEAM-Group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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/puertorico.jpg</image:loc><image:caption>puertorico</image:caption><image:title>puertorico</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.png</image:loc><image:caption>Sean-T-Coughlin</image:caption><image:title>Sean-T-Coughlin</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2019-10-28</lastmod></url><url><loc>https://www.neamgroup.com/insights/brexit</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-UK-Public-Opinion-Polls-Brexit.png</image:loc><image:caption>NEAM-Chart-2-UK-Public-Opinion-Polls-Brexit</image:caption><image:title>NEAM-Chart-2-UK-Public-Opinion-Polls-Brexit</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/brexit-1.jpg</image:loc><image:caption>brexit-1</image:caption><image:title>brexit-1</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><lastmod>2016-04-13</lastmod></url><url><loc>https://www.neamgroup.com/insights/evolving-correlations-implications-to-risk-return-asset-allocation</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Chris-Myers.png</image:loc><image:caption>Chris-Myers</image:caption><image:title>Chris-Myers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B2_appendix.jpg</image:loc><image:caption>NEAMgroup_B2_appendix</image:caption><image:title>NEAMgroup_B2_appendix</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_03_correlation_matrix.jpg</image:loc><image:caption>NEAMgroup_03_correlation_matrix</image:caption><image:title>NEAMgroup_03_correlation_matrix</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_04_notable_baseline_financial_projections.jpg</image:loc><image:caption>NEAMgroup_04_notable_baseline_financial_projections</image:caption><image:title>NEAMgroup_04_notable_baseline_financial_projections</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_A_appendix.jpg</image:loc><image:caption>NEAMgroup_A_appendix</image:caption><image:title>NEAMgroup_A_appendix</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_05_results_ebaa_holistic_strategy.jpg</image:loc><image:caption>NEAMgroup_05_results_ebaa_holistic_strategy</image:caption><image:title>NEAMgroup_05_results_ebaa_holistic_strategy</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/evolving%20correlations.jpg</image:loc><image:caption>evolving correlations</image:caption><image:title>evolving correlations</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B1_appendix.jpg</image:loc><image:caption>NEAMgroup_B1_appendix</image:caption><image:title>NEAMgroup_B1_appendix</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B3_appendix.jpg</image:loc><image:caption>NEAMgroup_B3_appendix</image:caption><image:title>NEAMgroup_B3_appendix</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_01_pearson_correlation_coefficients.jpg</image:loc><image:caption>NEAMgroup_01_pearson_correlation_coefficients</image:caption><image:title>NEAMgroup_01_pearson_correlation_coefficients</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_02_statistical_differences.jpg</image:loc><image:caption>NEAMgroup_02_statistical_differences</image:caption><image:title>NEAMgroup_02_statistical_differences</image:title></image:image><lastmod>2026-02-24</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-presents-for-acli-financing-the-covid-19-rescue-pakage</loc><video:video><video:thumbnail_loc>https://www.neamgroup.com/hubfs/assets/videos/ACLI%20and%20NEAM_Webinar_June%202020.mp4/medium.jpg</video:thumbnail_loc><video:title>ACLI and NEAM_Webinar_June 2020</video:title><video:description>ACLI and NEAM_Webinar_June 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-logo-footer.png</image:loc><image:caption>NEAM 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_06_sept23.jpg</image:loc><image:caption>outlook_06_sept23</image:caption><image:title>outlook_06_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_08_sept23.jpg</image:loc><image:caption>outlook_08_sept23</image:caption><image:title>outlook_08_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_01_sept23.jpg</image:loc><image:caption>outlook_01_sept23</image:caption><image:title>outlook_01_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_07_sept23.jpg</image:loc><image:caption>outlook_07_sept23</image:caption><image:title>outlook_07_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpg</image:loc><image:caption>outlook</image:caption><image:title>outlook</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_03_sept23.jpg</image:loc><image:caption>outlook_03_sept23</image:caption><image:title>outlook_03_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_02_sept23.jpg</image:loc><image:caption>outlook_02_sept23</image:caption><image:title>outlook_02_sept23</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_04_sept23.jpg</image:loc><image:caption>outlook_04_sept23</image:caption><image:title>outlook_04_sept23</image:title></image:image><lastmod>2023-09-11</lastmod></url><url><loc>https://www.neamgroup.com/media-center/gr-neam-appointsnew-chief-investment-officer</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2016-06-13</lastmod></url><url><loc>https://www.neamgroup.com/insights/the-biden-agenda-a-reflationary-impulse-implications-for-capital-markets...and-america</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/bidenagenda.jpg</image:loc><image:caption>bidenagenda</image:caption><image:title>bidenagenda</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_US_yield_curve_and_10_year_inflation_breakeven_rates.jpg</image:loc><image:caption>NEAMgroup_US_yield_curve_and_10_year_inflation_breakeven_rates</image:caption><image:title>NEAMgroup_US_yield_curve_and_10_year_inflation_breakeven_rates</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Vin-Delucia.png</image:loc><image:caption>Vin-Delucia</image:caption><image:title>Vin-Delucia</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_10_year_US_TIPS_yield.jpg</image:loc><image:caption>NEAMgroup_10_year_US_TIPS_yield</image:caption><image:title>NEAMgroup_10_year_US_TIPS_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_US_budget_deficit_dollars_precent_GDP.jpg</image:loc><image:caption>NEAMgroup_US_budget_deficit_dollars_precent_GDP</image:caption><image:title>NEAMgroup_US_budget_deficit_dollars_precent_GDP</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><lastmod>2021-03-16</lastmod></url><url><loc>https://www.neamgroup.com/insights/work-in-progress</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Jay-Bliss.png</image:loc><image:caption>NEAM-Jay-Bliss</image:caption><image:title>NEAM-Jay-Bliss</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_americans_increasingly_working_remotely.jpg</image:loc><image:caption>NEAMgroup_americans_increasingly_working_remotely</image:caption><image:title>NEAMgroup_americans_increasingly_working_remotely</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_US_broadband_subscribers.jpg</image:loc><image:caption>NEAMgroup_US_broadband_subscribers</image:caption><image:title>NEAMgroup_US_broadband_subscribers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_pace_of_public_cloud_adoption.jpg</image:loc><image:caption>NEAMgroup_pace_of_public_cloud_adoption</image:caption><image:title>NEAMgroup_pace_of_public_cloud_adoption</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/workinprogress.jpg</image:loc><image:caption>workinprogress</image:caption><image:title>workinprogress</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_nielsen_household_products_and_personal_care_scanner_data.jpg</image:loc><image:caption>NEAMgroup_nielsen_household_products_and_personal_care_scanner_data</image:caption><image:title>NEAMgroup_nielsen_household_products_and_personal_care_scanner_data</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAMgroup_total_global_IT_spend.jpg</image:loc><image:caption>NEAMgroup_total_global_IT_spend</image:caption><image:title>NEAMgroup_total_global_IT_spend</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><lastmod>2020-11-20</lastmod></url><url><loc>https://www.neamgroup.com/insights/monthly-economic-highlights-december-2023</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_06.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_06</image:caption><image:title>NEAMgroup_Outlook_Dec23_06</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_08.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_08</image:caption><image:title>NEAMgroup_Outlook_Dec23_08</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpg</image:loc><image:caption>outlook</image:caption><image:title>outlook</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_02.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_02</image:caption><image:title>NEAMgroup_Outlook_Dec23_02</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.png</image:loc><image:caption>Coley-Lynch</image:caption><image:title>Coley-Lynch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_04.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_04</image:caption><image:title>NEAMgroup_Outlook_Dec23_04</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_05.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_05</image:caption><image:title>NEAMgroup_Outlook_Dec23_05</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_07.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_07</image:caption><image:title>NEAMgroup_Outlook_Dec23_07</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_03.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_03</image:caption><image:title>NEAMgroup_Outlook_Dec23_03</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_01.jpg</image:loc><image:caption>NEAMgroup_Outlook_Dec23_01</image:caption><image:title>NEAMgroup_Outlook_Dec23_01</image:title></image:image><lastmod>2023-12-05</lastmod></url><url><loc>https://www.neamgroup.com/insights/nuking-our-way-to-lower-emissions</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Andy-Brown.png</image:loc><image:caption>NEAM-Andy-Brown</image:caption><image:title>NEAM-Andy-Brown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/NEAMgroup_safest_sources_of_energy.jpg</image:loc><image:caption>NEAMgroup_safest_sources_of_energy</image:caption><image:title>NEAMgroup_safest_sources_of_energy</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/nukingemissions.jpg</image:loc><image:caption>nukingemissions</image:caption><image:title>nukingemissions</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_09_comparison_fixed_income_OAD.jpg</image:loc><image:caption>NEAMgroup_09_comparison_fixed_income_OAD</image:caption><image:title>NEAMgroup_09_comparison_fixed_income_OAD</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_02_net_investment_income.jpg</image:loc><image:caption>NEAMgroup_02_net_investment_income</image:caption><image:title>NEAMgroup_02_net_investment_income</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-US-Treasury-Yields-1965-2015.png</image:loc><image:caption>NEAM-Chart-2-US-Treasury-Yields-1965-2015</image:caption><image:title>NEAM-Chart-2-US-Treasury-Yields-1965-2015</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-US-Budget-Expenditures.png</image:loc><image:caption>NEAM-Chart-3-US-Budget-Expenditures</image:caption><image:title>NEAM-Chart-3-US-Budget-Expenditures</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-average-reinvestment-rate.jpg</image:loc><image:caption>NEAMgroup-average-reinvestment-rate</image:caption><image:title>NEAMgroup-average-reinvestment-rate</image:title></image:image><lastmod>2020-05-19</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-announces-retirement-of-chip-clark-president</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-logo-NEAM.png</image:loc><image:caption>NEAM 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/NEAMgroup_technology.jpg</image:loc><image:caption>NEAMgroup_technology</image:caption><image:title>NEAMgroup_technology</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><lastmod>2018-04-25</lastmod></url><url><loc>https://www.neamgroup.com/insights/single-security-initiative-for-agency-mortgage-backed-securities</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.png</image:loc><image:caption>NEAM-Jennifer-Quisenberry</image:caption><image:title>NEAM-Jennifer-Quisenberry</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Single%20Security%20-%20UMBS/NEAMgroup-fannie-v-freddie-prepayments-converging.jpg</image:loc><image:caption>NEAMgroup-fannie-v-freddie-prepayments-converging</image:caption><image:title>NEAMgroup-fannie-v-freddie-prepayments-converging</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_03_march2024.jpg</image:loc><image:caption>NEAMgroup_03_march2024</image:caption><image:title>NEAMgroup_03_march2024</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.png</image:loc><image:caption>Coley-Lynch</image:caption><image:title>Coley-Lynch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><lastmod>2016-06-13</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-is-named-a-winner-of-the-hartford-courants-top-workplaces-2024-award</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Demise%20of%20the%20Unicorn/demiseunicorn.jpg</image:loc><image:caption>demiseunicorn</image:caption><image:title>demiseunicorn</image:title></image:image><lastmod>2020-03-11</lastmod></url><url><loc>https://www.neamgroup.com/insights/the-augmented-age</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.png</image:loc><image:caption>Michele-Matzinger</image:caption><image:title>Michele-Matzinger</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/augmentedage.jpg</image:loc><image:caption>augmentedage</image:caption><image:title>augmentedage</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/NEAM-group-volatility-has-fallenb-for-technology-platform-players.jpg</image:loc><image:caption>NEAM-group-volatility-has-fallenb-for-technology-platform-players</image:caption><image:title>NEAM-group-volatility-has-fallenb-for-technology-platform-players</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><lastmod>2016-06-13</lastmod></url><url><loc>https://www.neamgroup.com/insights/quick-takes-securitization-and-the-theory-of-evolution</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.png</image:loc><image:caption>NEAM-Jennifer-Quisenberry</image:caption><image:title>NEAM-Jennifer-Quisenberry</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/NEAMgroup_top_10_banks_per_total_Assets.jpg</image:loc><image:caption>NEAMgroup_top_10_banks_per_total_Assets</image:caption><image:title>NEAMgroup_top_10_banks_per_total_Assets</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_07.jpg</image:loc><image:caption>NEAMgroup_outlook_oct23_07</image:caption><image:title>NEAMgroup_outlook_oct23_07</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2023-10-06</lastmod></url><url><loc>https://www.neamgroup.com/blog/search</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.png</image:loc><image:caption>arrowblueclosed</image:caption><image:title>arrowblueclosed</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-subscriptions.gif</image:loc><image:caption>imgsubscriptions</image:caption><image:title>imgsubscriptions</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwardsMultiYearweb</image:caption><image:title>RegionalAwardsMultiYearweb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><lastmod>2017-10-17</lastmod></url><url><loc>https://www.neamgroup.com/insights/trade-winds-may-2025</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_07_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_07_tradewinds_05-25</image:caption><image:title>NEAMgroup_07_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_03_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_03_tradewinds_05-25</image:caption><image:title>NEAMgroup_03_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_05_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_05_tradewinds_05-25</image:caption><image:title>NEAMgroup_05_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_08_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_08_tradewinds_05-25</image:caption><image:title>NEAMgroup_08_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_06_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_06_tradewinds_05-25</image:caption><image:title>NEAMgroup_06_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_04_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_04_tradewinds_05-25</image:caption><image:title>NEAMgroup_04_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/tradewinds.jpg</image:loc><image:caption>tradewinds</image:caption><image:title>tradewinds</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_02_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_02_tradewinds_05-25</image:caption><image:title>NEAMgroup_02_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.png</image:loc><image:caption>Coley-Lynch</image:caption><image:title>Coley-Lynch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_01_tradewinds_05-25.jpg</image:loc><image:caption>NEAMgroup_01_tradewinds_05-25</image:caption><image:title>NEAMgroup_01_tradewinds_05-25</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><lastmod>2025-05-08</lastmod></url><url><loc>https://www.neamgroup.com/insights/life-in-the-neutral-lane</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/NEAMgroup_US_total_debt_to_GDP.jpg</image:loc><image:caption>NEAMgroup_US_total_debt_to_GDP</image:caption><image:title>NEAMgroup_US_total_debt_to_GDP</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/NEAMgroup_VIX_index.jpg</image:loc><image:caption>NEAMgroup_VIX_index</image:caption><image:title>NEAMgroup_VIX_index</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-P-C-Industry-Approximate-Secto-Allocation.jpg</image:loc><image:caption>NEAM-P-C-Industry-Approximate-Secto-Allocation</image:caption><image:title>NEAM-P-C-Industry-Approximate-Secto-Allocation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><lastmod>2025-07-08</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-limited-hires-giri-singh</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Percent-of-P-C-Industrys-Invested-Assets-in-Non-Credit-vs-Credit.png</image:loc><image:caption>NEAM-Chart-1-Percent-of-P-C-Industrys-Invested-Assets-in-Non-Credit-vs-Credit</image:caption><image:title>NEAM-Chart-1-Percent-of-P-C-Industrys-Invested-Assets-in-Non-Credit-vs-Credit</image:title></image:image><lastmod>2016-04-13</lastmod></url><url><loc>https://www.neamgroup.com/insights/volatility</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/NEAM_group_S&amp;P_500_Rolling_Annual_Standard_Deviation.jpg</image:loc><image:caption>NEAM_group_S&amp;P_500_Rolling_Annual_Standard_Deviation</image:caption><image:title>NEAM_group_S&amp;P_500_Rolling_Annual_Standard_Deviation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/iStock-585156556-bw.jpg</image:loc><image:caption>iStock-585156556-bw</image:caption><image:title>iStock-585156556-bw</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/songworse.jpg</image:loc><image:caption>songworse</image:caption><image:title>songworse</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/10-Year-UST-Yield-and-BBB-Corporate-Spreads.jpg</image:loc><image:caption>10-Year-UST-Yield-and-BBB-Corporate-Spreads</image:caption><image:title>10-Year-UST-Yield-and-BBB-Corporate-Spreads</image:title></image:image><lastmod>2016-08-18</lastmod></url><url><loc>https://www.neamgroup.com/at-a-glance</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-by-Class-Legend.png</image:loc><image:caption>NEAMAssetsUnderManagementbyClassLegend</image:caption><image:title>NEAMAssetsUnderManagementbyClassLegend</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwardsMultiYearweb</image:caption><image:title>RegionalAwardsMultiYearweb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEA-Assets-Under-Management-Region-Legend.png</image:loc><image:caption>NEAAssetsUnderManagementRegionLegend</image:caption><image:title>NEAAssetsUnderManagementRegionLegend</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Region.png</image:loc><image:caption>NEAMAssetsUnderManagementByRegion</image:caption><image:title>NEAMAssetsUnderManagementByRegion</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Class.png</image:loc><image:caption>NEAMAssetsUnderManagementByClass</image:caption><image:title>NEAMAssetsUnderManagementByClass</image:title></image:image><lastmod>2026-05-29</lastmod></url><url><loc>https://www.neamgroup.com/insights/2019-pc-industry-investment-highlights-the-fight-for-yield-begins</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Mark-Yu.png</image:loc><image:caption>Mark-Yu</image:caption><image:title>Mark-Yu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/pc_fight_for_yield.jpg</image:loc><image:caption>pc_fight_for_yield</image:caption><image:title>pc_fight_for_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_fixed_income_book_yield.jpg</image:loc><image:caption>NEAMgroup_fixed_income_book_yield</image:caption><image:title>NEAMgroup_fixed_income_book_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/Life-Insurer-Asset-Opt.jpg</image:loc><image:caption>Life-Insurer-Asset-Opt</image:caption><image:title>Life-Insurer-Asset-Opt</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Iterative-Portfolio-Construction-Process.jpg</image:loc><image:caption>NEAM-Iterative-Portfolio-Construction-Process</image:caption><image:title>NEAM-Iterative-Portfolio-Construction-Process</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-ROE-DuPont-formula.jpg</image:loc><image:caption>NEAM-ROE-DuPont-formula</image:caption><image:title>NEAM-ROE-DuPont-formula</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2016-07-14</lastmod></url><url><loc>https://www.neamgroup.com/insights/analyzing-the-investment-profile-of-medical-professional-liability-insurers-through-the-lens-of-risk-reward</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/MPLrisk.jpg</image:loc><image:caption>MPLrisk</image:caption><image:title>MPLrisk</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_04_risk_assets_percentage_surplus.jpg</image:loc><image:caption>NEAMgroup_04_risk_assets_percentage_surplus</image:caption><image:title>NEAMgroup_04_risk_assets_percentage_surplus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.png</image:loc><image:caption>NEAM-phil-lee</image:caption><image:title>NEAM-phil-lee</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_05_comparison_fixed_income_portfolio_book_yield.jpg</image:loc><image:caption>NEAMgroup_05_comparison_fixed_income_portfolio_book_yield</image:caption><image:title>NEAMgroup_05_comparison_fixed_income_portfolio_book_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_08_fixed_income_credit_quality_distribution.jpg</image:loc><image:caption>NEAMgroup_08_fixed_income_credit_quality_distribution</image:caption><image:title>NEAMgroup_08_fixed_income_credit_quality_distribution</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_02_net_investment_income.jpg</image:loc><image:caption>NEAMgroup_02_net_investment_income</image:caption><image:title>NEAMgroup_02_net_investment_income</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_06_comparison_fixed_income_portfolio_book_yield_sector.jpg</image:loc><image:caption>NEAMgroup_06_comparison_fixed_income_portfolio_book_yield_sector</image:caption><image:title>NEAMgroup_06_comparison_fixed_income_portfolio_book_yield_sector</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_10_MPL_writers_book_yiekd_risk_Score.jpg</image:loc><image:caption>NEAMgroup_10_MPL_writers_book_yiekd_risk_Score</image:caption><image:title>NEAMgroup_10_MPL_writers_book_yiekd_risk_Score</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_07_fixed_income_book_yield_comparison_sector.jpg</image:loc><image:caption>NEAMgroup_07_fixed_income_book_yield_comparison_sector</image:caption><image:title>NEAMgroup_07_fixed_income_book_yield_comparison_sector</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_03_invested_assets_sector_composition.jpg</image:loc><image:caption>NEAMgroup_03_invested_assets_sector_composition</image:caption><image:title>NEAMgroup_03_invested_assets_sector_composition</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_09_comparison_fixed_income_portfolio_oad.jpg</image:loc><image:caption>NEAMgroup_09_comparison_fixed_income_portfolio_oad</image:caption><image:title>NEAMgroup_09_comparison_fixed_income_portfolio_oad</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_01_surplus_invested_assets_premium_trend.jpg</image:loc><image:caption>NEAMgroup_01_surplus_invested_assets_premium_trend</image:caption><image:title>NEAMgroup_01_surplus_invested_assets_premium_trend</image:title></image:image><lastmod>2024-02-01</lastmod></url><url><loc>https://www.neamgroup.com/insights/funds-at-lloyds-how-asset-allocation-is-changing</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/John-Dockery.png</image:loc><image:caption>John-Dockery</image:caption><image:title>John-Dockery</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_letter_of_credit_in_corporate_FAL.jpg</image:loc><image:caption>NEAMgroup_letter_of_credit_in_corporate_FAL</image:caption><image:title>NEAMgroup_letter_of_credit_in_corporate_FAL</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_allocation_shift_year_end_2008_vs_2018.jpg</image:loc><image:caption>NEAMgroup_allocation_shift_year_end_2008_vs_2018</image:caption><image:title>NEAMgroup_allocation_shift_year_end_2008_vs_2018</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_letter_of_credit_as_a_percentage_of_corporate_FAL.jpg</image:loc><image:caption>NEAMgroup_letter_of_credit_as_a_percentage_of_corporate_FAL</image:caption><image:title>NEAMgroup_letter_of_credit_as_a_percentage_of_corporate_FAL</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/fundatlloyds.jpg</image:loc><image:caption>fundatlloyds</image:caption><image:title>fundatlloyds</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><lastmod>2020-01-15</lastmod></url><url><loc>https://www.neamgroup.com/insights/the-macron-merkel-plan-and-what-it-means-for-the-eu</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/NEAMgroup_north_vs_south_annual_population_weighted_GDP_per_capita_vs_euro_area_member.jpg</image:loc><image:caption>NEAMgroup_north_vs_south_annual_population_weighted_GDP_per_capita_vs_euro_area_member</image:caption><image:title>NEAMgroup_north_vs_south_annual_population_weighted_GDP_per_capita_vs_euro_area_member</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Simon-O-Flaherty.png</image:loc><image:caption>NEAM-Simon-O-Flaherty</image:caption><image:title>NEAM-Simon-O-Flaherty</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/NEAMgroup_euro_reaction_to_macron_merkel_plan_eur_usd_spot_fx_rate.jpg</image:loc><image:caption>NEAMgroup_euro_reaction_to_macron_merkel_plan_eur_usd_spot_fx_rate</image:caption><image:title>NEAMgroup_euro_reaction_to_macron_merkel_plan_eur_usd_spot_fx_rate</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/macronmerkelplanEU.jpg</image:loc><image:caption>macronmerkelplanEU</image:caption><image:title>macronmerkelplanEU</image:title></image:image><lastmod>2020-09-29</lastmod></url><url><loc>https://www.neamgroup.com/insights/2020-a-year-of-uncertainty</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_04_pc_industry_pre-tax_statutory_ROE.jpg</image:loc><image:caption>NEAMgroup_04_pc_industry_pre-tax_statutory_ROE</image:caption><image:title>NEAMgroup_04_pc_industry_pre-tax_statutory_ROE</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_06_broad_sector_allocation_drift_over_time.jpg</image:loc><image:caption>NEAMgroup_06_broad_sector_allocation_drift_over_time</image:caption><image:title>NEAMgroup_06_broad_sector_allocation_drift_over_time</image:title></image:image><lastmod>2024-11-12</lastmod></url><url><loc>https://www.neamgroup.com/at-a-glance/non-us</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEA-Assets-Under-Management-Region-Legend.png</image:loc><image:caption>NEAAssetsUnderManagementRegionLegend</image:caption><image:title>NEAAssetsUnderManagementRegionLegend</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Region.png</image:loc><image:caption>NEAMAssetsUnderManagementByRegion</image:caption><image:title>NEAMAssetsUnderManagementByRegion</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Class.png</image:loc><image:caption>NEAMAssetsUnderManagementByClass</image:caption><image:title>NEAMAssetsUnderManagementByClass</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-by-Class-Legend.png</image:loc><image:caption>NEAMAssetsUnderManagementbyClassLegend</image:caption><image:title>NEAMAssetsUnderManagementbyClassLegend</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><lastmod>2026-05-29</lastmod></url><url><loc>https://www.neamgroup.com/insights/returns-and-yields-2018</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-logo-footer.png</image:loc><image:caption>NEAM Logo</image:caption><image:title>img-logo-footer</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2026-04-07</lastmod></url><url><loc>https://www.neamgroup.com/insights/the-risk-of-complacency</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/riskofcomplacency.jpg</image:loc><image:caption>riskofcomplacency</image:caption><image:title>riskofcomplacency</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Market-Signals.jpg</image:loc><image:caption>NEAM-Group-Market-Signals</image:caption><image:title>NEAM-Group-Market-Signals</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.png</image:loc><image:caption>Michele-Matzinger</image:caption><image:title>Michele-Matzinger</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Complacency.jpg</image:loc><image:caption>NEAM-Group-Complacency</image:caption><image:title>NEAM-Group-Complacency</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-US-Net-Corporate-Cash-Flow-Deficit.jpg</image:loc><image:caption>NEAM-Group-US-Net-Corporate-Cash-Flow-Deficit</image:caption><image:title>NEAM-Group-US-Net-Corporate-Cash-Flow-Deficit</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><lastmod>2017-01-25</lastmod></url><url><loc>https://www.neamgroup.com/why-neam</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/why%20neam%20-%20actionable.jpg</image:loc><image:caption>whyneamactionable</image:caption><image:title>whyneamactionable</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpg</image:loc><image:caption>NEAMlogo</image:caption><image:title>featuredimagelogo</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwardsMultiYearweb</image:caption><image:title>RegionalAwardsMultiYearweb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-green-arrow.png</image:loc><image:caption>imggreenarrow</image:caption><image:title>imggreenarrow</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/why%20neam%20-%20tailored.jpg</image:loc><image:caption>whyneamtailored</image:caption><image:title>whyneamtailored</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><lastmod>2025-04-08</lastmod></url><url><loc>https://www.neamgroup.com/insights/notable-occurrences-equity-market-top-ten</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/equitytopten.jpg</image:loc><image:caption>equitytopten</image:caption><image:title>equitytopten</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_supercharged_volatil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button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_S&amp;P500_price_change_vs_PMI.jpg</image:loc><image:caption>NEAMgroup_S&amp;P500_price_change_vs_PMI</image:caption><image:title>NEAMgroup_S&amp;P500_price_change_vs_PMI</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.png</image:loc><image:caption>Michele-Matzinger</image:caption><image:title>Michele-Matzinger</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_Oil_volatility.jpg</image:loc><image:caption>NEAMgroup_Oil_volatility</image:caption><image:title>NEAMgroup_Oil_volatility</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_stock_bond_correlation.jpg</image:loc><image:caption>NEAMgroup_stock_bond_correlation</image:caption><image:title>NEAMgroup_stock_bond_correlation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_largest_point_gain_loss_in_same_year.jpg</image:loc><image:caption>NEAMgroup_largest_point_gain_loss_in_same_year</image:caption><image:title>NEAMgroup_largest_point_gain_loss_in_same_year</image:title></image:image><lastmod>2019-01-31</lastmod></url><url><loc>https://www.neamgroup.com/cookie-policy/non-us</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><lastmod>2018-06-20</lastmod></url><url><loc>https://www.neamgroup.com/insights/goodwill-other-intangibles-impact-on-capital-matters-for-insurers</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_decomposition_life_annuity_MC_summary_statistics.jpg</image:loc><image:caption>NEAMgroup_decomposition_life_annuity_MC_summary_statistics</image:caption><image:title>NEAMgroup_decomposition_life_annuity_MC_summary_statistics</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_summary_statistics_for_79_reporting_goodwill.jpg</image:loc><image:caption>NEAMgroup_summary_statistics_for_79_reporting_goodwill</image:caption><image:title>NEAMgroup_summary_statistics_for_79_reporting_goodwill</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.png</image:loc><image:caption>NEAM-James-E-Bachman</image:caption><image:title>NEAM-James-E-Bachman</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_summary_statistics_for_insurance_industry_segment_GAA_Filers.jpg</image:loc><image:caption>NEAMgroup_summary_statistics_for_insurance_industry_segment_GAA_Filers</image:caption><image:title>NEAMgroup_summary_statistics_for_insurance_industry_segment_GAA_Filers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_decomposition_property_casualty_MC_summary_statistics.jpg</image:loc><image:caption>NEAMgroup_decomposition_property_casualty_MC_summary_statistics</image:caption><image:title>NEAMgroup_decomposition_property_casualty_MC_summary_statistics</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/goodwillintangibles.jpg</image:loc><image:caption>goodwillintangibles</image:caption><image:title>goodwillintangibles</image:title></image:image><lastmod>2020-05-19</lastmod></url><url><loc>https://www.neamgroup.com/insights/third-quarter-2015-equity-review</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs.jpg</image:loc><image:caption>NEAM-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs</image:caption><image:title>NEAM-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs.jpg</image:loc><image:caption>NEAM-Chart-1-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs</image:caption><image:title>NEAM-Chart-1-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-SP-500-Change-in-Correlation-Among-Constituents.jpg</image:loc><image:caption>NEAM-Chart-2-SP-500-Change-in-Correlation-Among-Constituents</image:caption><image:title>NEAM-Chart-2-SP-500-Change-in-Correlation-Among-Constituents</image:title></image:image><lastmod>2016-08-15</lastmod></url><url><loc>https://www.neamgroup.com/insights/monthly-economic-highlights-july-2023</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_08_outlook072023.jpg</image:loc><image:caption>NEAMgroup_08_outlook072023</image:caption><image:title>NEAMgroup_08_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_04_outlook072023.jpg</image:loc><image:caption>NEAMgroup_04_outlook072023</image:caption><image:title>NEAMgroup_04_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_06_outlook072023.jpg</image:loc><image:caption>NEAMgroup_06_outlook072023</image:caption><image:title>NEAMgroup_06_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_02_outlook072023.jpg</image:loc><image:caption>NEAMgroup_02_outlook072023</image:caption><image:title>NEAMgroup_02_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_01_outlook072023.jpg</image:loc><image:caption>NEAMgroup_01_outlook072023</image:caption><image:title>NEAMgroup_01_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.png</image:loc><image:caption>Coley-Lynch</image:caption><image:title>Coley-Lynch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_03_outlook072023.jpg</image:loc><image:caption>NEAMgroup_03_outlook072023</image:caption><image:title>NEAMgroup_03_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_07_outlook072023.jpg</image:loc><image:caption>NEAMgroup_07_outlook072023</image:caption><image:title>NEAMgroup_07_outlook072023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpg</image:loc><image:caption>outlook</image:caption><image:title>outlook</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_05_outlook072023.jpg</image:loc><image:caption>NEAMgroup_05_outlook072023</image:caption><image:title>NEAMgroup_05_outlook072023</image:title></image:image><lastmod>2023-07-13</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-limited-hires-rui-wang</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><lastmod>2018-12-11</lastmod></url><url><loc>https://www.neamgroup.com/media-center/neam-appoints-new-chief-investment-officer</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-logo-footer.png</image:loc><image:caption>NEAM Logo</image:caption><image:title>img-logo-footer</image:title></image:image><lastmod>2022-04-14</lastmod></url><url><loc>https://www.neamgroup.com/insights/investing-in-structured-securities-under-solvency-uk-attractive-opportunities-for-lloyds-syndicates</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_00_structured_definitions.jpg</image:loc><image:caption>NEAMgroup_00_structured_definitions</image:caption><image:title>NEAMgroup_00_structured_definitions</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/lloydssecuritisation.jpg</image:loc><image:caption>lloydssecuritisation</image:caption><image:title>lloydssecuritisation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_01_comparative_yields_structured_vs_corporates.jpg</image:loc><image:caption>NEAMgroup_01_comparative_yields_structured_vs_corporates</image:caption><image:title>NEAMgroup_01_comparative_yields_structured_vs_corporates</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_04_illustrative_example.jpg</image:loc><image:caption>NEAMgroup_04_illustrative_example</image:caption><image:title>NEAMgroup_04_illustrative_example</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_03_lloyds_USD_portfolio.jpg</image:loc><image:caption>NEAMgroup_03_lloyds_USD_portfolio</image:caption><image:title>NEAMgroup_03_lloyds_USD_portfolio</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_02_historical_default_losses.jpg</image:loc><image:caption>NEAMgroup_02_historical_default_losses</image:caption><image:title>NEAMgroup_02_historical_default_losses</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/2023_circle_Carroll.png</image:loc><image:caption>2023_circle_Carroll</image:caption><image:title>2023_circle_Carroll</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><lastmod>2025-06-12</lastmod></url><url><loc>https://www.neamgroup.com/insights/election-2020-let-the-games-begin</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Vin-Delucia.png</image:loc><image:caption>Vin-Delucia</image:caption><image:title>Vin-Delucia</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Election%202020/election2020.jpg</image:loc><image:caption>election2020</image:caption><image:title>election2020</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><lastmod>2020-10-14</lastmod></url><url><loc>https://www.neamgroup.com/esg-at-neam/non-us</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-city.png</image:loc><image:caption>esgcity</image:caption><image:title>esgcity</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Social.jpg</image:loc><image:caption>ESGLimitedSocial</image:caption><image:title>ESGLimitedSocial</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-money-plant.png</image:loc><image:caption>esgmoneyplant</image:caption><image:title>esgmoneyplant</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears-arrows.png</image:loc><image:caption>esggearsarrows</image:caption><image:title>esggearsarrows</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-light-bulb.png</image:loc><image:caption>esglightbulb</image:caption><image:title>esglightbulb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gauge.png</image:loc><image:caption>esggauge</image:caption><image:title>esggauge</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-globe.png</image:loc><image:caption>esgglobe</image:caption><image:title>esgglobe</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Environmental.jpg</image:loc><image:caption>ESGLimitedEnvironmental</image:caption><image:title>ESGLimitedEnvironmental</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/UNCC-logo.jpg</image:loc><image:caption>UNCClogo</image:caption><image:title>UNCClogo</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-green-arrow.png</image:loc><image:caption>imggreenarrow</image:caption><image:title>imggreenarrow</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpg</image:loc><image:caption>NEAMlogo</image:caption><image:title>featuredimagelogo</image:title></image:image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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpg</image:loc><image:caption>returnsandyields</image:caption><image:title>returnsandyields</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Vin-Delucia.png</image:loc><image:caption>Vin-Delucia</image:caption><image:title>Vin-Delucia</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_pc_estimated_market_yield_duration.jpg</image:loc><image:caption>NEAMgroup_pc_estimated_market_yield_duration</image:caption><image:title>NEAMgroup_pc_estimated_market_yield_duration</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_estimated_pc_sector_allocations.jpg</image:loc><image:caption>NEAMgroup_estimated_pc_sector_allocations</image:caption><image:title>NEAMgroup_estimated_pc_sector_allocations</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_US_Fixed_Income_Returns.jpg</image:loc><image:caption>NEAMgroup_US_Fixed_Income_Returns</image:caption><image:title>NEAMgroup_US_Fixed_Income_Returns</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_SP500_trailing_annualized_returns.jpg</image:loc><image:caption>NEAMgroup_SP500_trailing_annualized_returns</image:caption><image:title>NEAMgroup_SP500_trailing_annualized_returns</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_2022_projected_pc_fixed_income_return.jpg</image:loc><image:caption>NEAMgroup_2022_projected_pc_fixed_income_return</image:caption><image:title>NEAMgroup_2022_projected_pc_fixed_income_return</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_total_return_projections_various_rate_spread_scenarios.jpg</image:loc><image:caption>NEAMgroup_total_return_projections_various_rate_spread_scenarios</image:caption><image:title>NEAMgroup_total_return_projections_various_rate_spread_scenarios</image:title></image:image><lastmod>2022-02-10</lastmod></url><url><loc>https://www.neamgroup.com/insights/the-changing-money-market-landscape-what-investors-need-to-know</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Commercial-Paper-vs.-3-Month-Libor-Rates.jpg</image:loc><image:caption>NEAM-Group-Commercial-Paper-vs.-3-Month-Libor-Rates</image:caption><image:title>NEAM-Group-Commercial-Paper-vs.-3-Month-Libor-Rates</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Group-Jeffrey-Knuth.jpg</image:loc><image:caption>NEAM-Group-Jeffrey-Knuth</image:caption><image:title>NEAM-Group-Jeffrey-Knuth</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Money-Market-Mutual-Fund-Types.jpg</image:loc><image:caption>NEAM-Group-Money-Market-Mutual-Fund-Types</image:caption><image:title>NEAM-Group-Money-Market-Mutual-Fund-Types</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Summary-of-New-Regulations-as-they-Apply-to-Various-Fund-Types.jpg</image:loc><image:caption>NEAM-Group-Summary-of-New-Regulations-as-they-Apply-to-Various-Fund-Types</image:caption><image:title>NEAM-Group-Summary-of-New-Regulations-as-they-Apply-to-Various-Fund-Types</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-New-Regulations-Effective-October-14-2016.jpg</image:loc><image:caption>NEAM-Group-New-Regulations-Effective-October-14-2016</image:caption><image:title>NEAM-Group-New-Regulations-Effective-October-14-2016</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Group-Trend-in-Money-Market-Fund-Assets-by-Type-of-Fund.jpg</image:loc><image:caption>NEAM-Group-Trend-in-Money-Market-Fund-Assets-by-Type-of-Fund</image:caption><image:title>NEAM-Group-Trend-in-Money-Market-Fund-Assets-by-Type-of-Fund</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/moneymarket.jpg</image:loc><image:caption>moneymarket</image:caption><image:title>moneymarket</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Spread-Risk-Factor-by-Credit-Quality-Step-Standard-Model.png</image:loc><image:caption>NEAM-Chart-2-Spread-Risk-Factor-by-Credit-Quality-Step-Standard-Model</image:caption><image:title>NEAM-Chart-2-Spread-Risk-Factor-by-Credit-Quality-Step-Standard-Model</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><lastmod>2016-04-13</lastmod></url><url><loc>https://www.neamgroup.com/esg-at-neam</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-carbon.png</image:loc><image:caption>esgcarbon</image:caption><image:title>esgcarbon</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwardsMultiYearweb</image:caption><image:title>RegionalAwardsMultiYearweb</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/UNCC-logo.jpg</image:loc><image:caption>UNCClogo</image:caption><image:title>UNCClogo</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-globe.png</image:loc><image:caption>esgglobe</image:caption><image:title>esgglobe</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-green-arrow.png</image:loc><image:caption>imggreenarrow</image:caption><image:title>imggreenarrow</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-money-plant.png</image:loc><image:caption>esgmoneyplant</image:caption><image:title>esgmoneyplant</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears.png</image:loc><image:caption>esggears</image:caption><image:title>esggears</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Environmental.jpg</image:loc><image:caption>ESGLimitedEnvironmental</image:caption><image:title>ESGLimitedEnvironmental</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-city.png</image:loc><image:caption>esgcity</image:caption><image:title>esgcity</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/PRI%20signature-1.png</image:loc><image:caption>PRIsignature1</image:caption><image:title>PRIsignature1</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Social.jpg</image:loc><image:caption>ESGLimitedSocial</image:caption><image:title>ES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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Most-positively-correlated-pairs.png</image:loc><image:caption>NEAM-Group-Most-positively-correlated-pairs</image:caption><image:title>NEAM-Group-Most-positively-correlated-pairs</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Annual-Calendar-year-ratio.png</image:loc><image:caption>NEAM-Group-Annual-Calendar-year-ratio</image:caption><image:title>NEAM-Group-Annual-Calendar-year-ratio</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Chris-Myers.png</image:loc><image:caption>Chris-Myers</image:caption><image:title>Chris-Myers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Rolling%2010-year-correlations.png</image:loc><image:caption>NEAM-Group-Rolling 10-year-correlations</image:caption><image:title>NEAM-Group-Rolling 10-year-correlations</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Underwriting-assumptions-for-enterprise-based-asset-allocation.png</image:loc><image:caption>NEAM-Group-Underwriting-assumptions-for-enterprise-based-asset-allocation</image:caption><image:title>NEAM-Group-Underwriting-assumptions-for-enterprise-based-asset-allocation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/pairingtheunknown.jpg</image:loc><image:caption>pairingtheunknown</image:caption><image:title>pairingtheunknown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Enterprise-based-asset-allocation-summary-output.png</image:loc><image:caption>NEAM-Group-Enterprise-based-asset-allocation-summary-output</image:caption><image:title>NEAM-Group-Enterprise-based-asset-allocation-summary-output</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Notable-lines-where-Pearsons-paired-correlations-changed-meaningfully.png</image:loc><image:caption>NEAM-Group-Notable-lines-where-Pearsons-paired-correlations-changed-meaningfully</image:caption><image:title>NEAM-Group-Notable-lines-where-Pearsons-paired-correlations-changed-meaningfully</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Average-combined-ratio-correlated-pairs.png</image:loc><image:caption>NEAM-Group-Average-combined-ratio-correlated-pairs</image:caption><image:title>NEAM-Group-Average-combined-ratio-correlated-pairs</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Summary-accident-year-correlated-product-line-pairs.png</image:loc><image:caption>NEAM-Group-Summary-accident-year-correlated-product-line-pairs</image:caption><image:title>NEAM-Group-Summary-accident-year-correlated-product-line-pairs</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><lastmod>2017-10-25</lastmod></url><url><loc>https://www.neamgroup.com/insights/sps-capital-model-proposal-an-initial-look-at-investment-risk-charges</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_capital_charge_comparisons_across_categories.jpg</image:loc><image:caption>NEAMgroup_capital_charge_comparisons_across_categories</image:caption><image:title>NEAMgroup_capital_charge_comparisons_across_categories</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/capitalmodalproposal.jpg</image:loc><image:caption>capitalmodalproposal</image:caption><image:title>capitalmodalproposal</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Chris-Myers.png</image:loc><image:caption>Chris-Myers</image:caption><image:title>Chris-Myers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_enterprise_efficient_frontier_capital_charge_frontier.jpg</image:loc><image:caption>NEAMgroup_enterprise_efficient_frontier_capital_charge_frontier</image:caption><image:title>NEAMgroup_enterprise_efficient_frontier_capital_charge_frontier</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_ratios_showing_average_charge_increases.jpg</image:loc><image:caption>NEAMgroup_ratios_showing_average_charge_increases</image:caption><image:title>NEAMgroup_ratios_showing_average_charge_increases</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixC.jpg</image:loc><image:caption>NEAMgroup_appendixC</image:caption><image:title>NEAMgroup_appendixC</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_dupont.jpg</image:loc><image:caption>NEAMgroup_dupont</image:caption><image:title>NEAMgroup_dupont</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_output_enterprise_portfolios.jpg</image:loc><image:caption>NEAMgroup_output_enterprise_portfolios</image:caption><image:title>NEAMgroup_output_enterprise_portfolios</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixB.jpg</image:loc><image:caption>NEAMgroup_appendixB</image:caption><image:title>NEAMgroup_appendixB</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixA.jpg</image:loc><image:caption>NEAMgroup_appendixA</image:caption><image:title>NEAMgroup_appendixA</image:title></image:image><lastmod>2022-05-03</lastmod></url><url><loc>https://www.neamgroup.com/insights/credit-risk-transfer-securities-new-benchmark-in-u.s.-residential-mortgage-credit-investment</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_Deal_Structure.jpg</image:loc><image:caption>NEAMgroup_CRT_Deal_Structure</image:caption><image:title>NEAMgroup_CRT_Deal_Structure</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CAS_discount_margin_vs_corporate_treasury.jpg</image:loc><image:caption>NEAMgroup_CAS_discount_margin_vs_corporate_treasury</image:caption><image:title>NEAMgroup_CAS_discount_margin_vs_corporate_treasury</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_issuance.jpg</image:loc><image:caption>NEAMgroup_CRT_securities_issuance</image:caption><image:title>NEAMgroup_CRT_securities_issuance</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Rakesh-Kansara.png</image:loc><image:caption>NEAM-Rakesh-Kansara</image:caption><image:title>NEAM-Rakesh-Kansara</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_secondary_trading_volume.jpg</image:loc><image:caption>NEAMgroup_CRT_securities_secondary_trading_volume</image:caption><image:title>NEAMgroup_CRT_securities_secondary_trading_volume</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_2016_NAIC_designation.jpg</image:loc><image:caption>NEAMgroup_CRT_securities_2016_NAIC_designation</image:caption><image:title>NEAMgroup_CRT_securities_2016_NAIC_designation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><lastmod>2017-04-13</lastmod></url><url><loc>https://www.neamgroup.com/insights/2019-life-industry-investment-highlights-the-search-for-yield-continues</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/06_NEAMgroup_fixed_income_sector_book_yield.jpg</image:loc><image:caption>06_NEAMgroup_fixed_income_sector_book_yield</image:caption><image:title>06_NEAMgroup_fixed_income_sector_book_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/02_NEAMgroup_earned_investment_income.jpg</image:loc><image:caption>02_NEAMgroup_earned_investment_income</image:caption><image:title>02_NEAMgroup_earned_investment_income</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Book-Yield-of-Tax-Exempt-Bond-Holdings.jpg</image:loc><image:caption>NEAM-Book-Yield-of-Tax-Exempt-Bond-Holdings</image:caption><image:title>NEAM-Book-Yield-of-Tax-Exempt-Bond-Holdings</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.png</image:loc><image:caption>NEAM-James-E-Bachman</image:caption><image:title>NEAM-James-E-Bachman</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Duration-of-Taxable-Bond-Holdings.jpg</image:loc><image:caption>NEAM-Option-Adjusted-Duration-of-Taxable-Bond-Holdings</image:caption><image:title>NEAM-Option-Adjusted-Duration-of-Taxable-Bond-Holdings</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Credit-Duration-Risk.jpg</image:loc><image:caption>NEAM-Option-Adjusted-Credit-Duration-Risk</image:caption><image:title>NEAM-Option-Adjusted-Credit-Duration-Risk</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Duration-of-Tax-Exempt-Bond-Holdings.jpg</image:loc><image:caption>NEAM-Option-Adjusted-Duration-of-Tax-Exempt-Bond-Holdings</image:caption><image:title>NEAM-Option-Adjusted-Duration-of-Tax-Exempt-Bond-Holdings</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Corporate-Bond-Downgrades.jpg</image:loc><image:caption>NEAM-Corporate-Bond-Downgrades</image:caption><image:title>NEAM-Corporate-Bond-Downgrades</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Book-Yield-of-Taxable-Bond-Holdings.jpg</image:loc><image:caption>NEAM-Book-Yield-of-Taxable-Bond-Holdings</image:caption><image:title>NEAM-Book-Yield-of-Taxable-Bond-Holdings</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/NEAM-Table-1-2011-Bond-Credit-Rating-by-Duration.jpg</image:loc><image:caption>NEAM-Table-1-2011-Bond-Credit-Rating-by-Duration</image:caption><image:title>NEAM-Table-1-2011-Bond-Credit-Rating-by-Duration</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><lastmod>2016-04-20</lastmod></url><url><loc>https://www.neamgroup.com/insights/trade-winds-january-2026</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_07_jan_2026.jpg</image:loc><image:caption>NEAMgroup_trade_winds_07_jan_2026</image:caption><image:title>NEAMgroup_trade_winds_07_jan_2026</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_08_jan_2026.jpg</image:loc><image:caption>NEAMgroup_trade_winds_08_jan_2026</image:caption><image:title>NEAMgroup_trade_winds_08_jan_2026</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_02_jan_2026.jpg</image:loc><image:caption>NEAMgroup_trade_winds_02_jan_2026</image:caption><image:title>NEAMgroup_trade_winds_02_jan_2026</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2026/Market%20Watch%20-%202Q%202026/NEAMgroup_01_Market_Watch_2Q-2026.jpg</image:loc><image:caption>NEAMgroup_01_Market_Watch_2Q-2026</image:caption><image:title>NEAMgroup_01_Market_Watch_2Q-2026</image:title></image:image><lastmod>2026-07-16</lastmod></url><url><loc>https://www.neamgroup.com/media-center/gr-neam-is-now-neam</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US 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Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search 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web</image:title></image:image><lastmod>2016-06-20</lastmod></url><url><loc>https://www.neamgroup.com/insights/u.s.-airports-turbulent-conditions-will-persist</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_us_enplaned_passengers.jpg</image:loc><image:caption>NEAMgroup_us_enplaned_passengers</image:caption><image:title>NEAMgroup_us_enplaned_passengers</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US 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Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T03_industry_statutory_capital_surplus.jpg</image:loc><image:caption>NEAMgroup_T03_industry_statutory_capital_surplus</image:caption><image:title>NEAMgroup_T03_industry_statutory_capital_surplus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T01_earned_investment_income.jpg</image:loc><image:caption>NEAMgroup_T01_earned_investment_income</image:caption><image:title>NEAMgroup_T01_earned_investment_income</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C04_fixed_income_credit_quality.jpg</image:loc><image:caption>NEAMgroup_C04_fixed_income_credit_quality</image:caption><image:title>NEAMgroup_C04_fixed_income_credit_quality</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C01_broad_sector_asset_allocation.jpg</image:loc><image:caption>NEAMgroup_C01_broad_sector_asset_allocation</image:caption><image:title>NEAMgroup_C01_broad_sector_asset_allocation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T05_industry_bonds_book_value_fair_value.jpg</image:loc><image:caption>NEAMgroup_T05_industry_bonds_book_value_fair_value</image:caption><image:title>NEAMgroup_T05_industry_bonds_book_value_fair_value</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C03_fixed_income_sector_allocation.jpg</image:loc><image:caption>NEAMgroup_C03_fixed_income_sector_allocation</image:caption><image:title>NEAMgroup_C03_fixed_income_sector_allocation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T02_earned_investment_income.jpg</image:loc><image:caption>NEAMgroup_T02_earned_investment_income</image:caption><image:title>NEAMgroup_T02_earned_investment_income</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/pcinvestmenthighlights2023.jpg</image:loc><image:caption>pcinvestmenthighlights2023</image:caption><image:title>pcinvestmenthighlights2023</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T04_fixed_income_book_yield.jpg</image:loc><image:caption>NEAMgroup_T04_fixed_income_book_yield</image:caption><image:title>NEAMgroup_T04_fixed_income_book_yield</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><lastmod>2023-08-24</lastmod></url><url><loc>https://www.neamgroup.com/insights/globalization-and-inflation-how-many-tentacles-does-an-octopus-have</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.png</image:loc><image:caption>NEAM-Jennifer-Quisenberry</image:caption><image:title>NEAM-Jennifer-Quisenberry</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_global_trade_as_percent_GDP.jpg</image:loc><image:caption>NEAMgroup_global_trade_as_percent_GDP</image:caption><image:title>NEAMgroup_global_trade_as_percent_GDP</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_manufacturing_imports_share_of_domestic_manufacturing_gross_output.jpg</image:loc><image:caption>NEAMgroup_manufacturing_imports_share_of_domestic_manufacturing_gross_output</image:caption><image:title>NEAMgroup_manufacturing_imports_share_of_domestic_manufacturing_gross_output</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/globalinflation.jpg</image:loc><image:caption>globalinflation</image:caption><image:title>globalinflation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_inflation.jpg</image:loc><image:caption>NEAMgroup_inflation</image:caption><image:title>NEAMgroup_inflation</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><lastmod>2022-05-09</lastmod></url><url><loc>https://www.neamgroup.com/insights/federal-home-loan-bank-program</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-insurance-company-membership-number-and-percent.jpg</image:loc><image:caption>NEAM-group-insurance-company-membership-number-and-percent</image:caption><image:title>NEAM-group-insurance-company-membership-number-and-percent</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>img-hamburger-menu</image:caption><image:title>img-hamburger-menu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>img-mobile-nav-arrow-gray-down</image:caption><image:title>img-mobile-nav-arrow-gray-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/FHLB.jpg</image:loc><image:caption>FHLB</image:caption><image:title>FHLB</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>img-logo-footer-R</image:caption><image:title>img-logo-footer-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>img-mobile-nav-arrow-down</image:caption><image:title>img-mobile-nav-arrow-down</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>Non-US Investors</image:caption><image:title>NON-US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Search button</image:caption><image:title>img-icon-search</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>Regional Awards - Multi Year - web</image:caption><image:title>Regional Awards - Multi Year - web</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-hypothetical-investment-example.jpg</image:loc><image:caption>NEAM-group-hypothetical-investment-example</image:caption><image:title>NEAM-group-hypothetical-investment-example</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.png</image:loc><image:caption>Coley-Lynch</image:caption><image:title>Coley-Lynch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>img-logo-NEAM-R</image:caption><image:title>img-logo-NEAM-R</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedin-follow-us</image:caption><image:title>linkedin-follow-us</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>US Investors</image:caption><image:title>US-INVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-insurance-company-FHLB-advances.jpg</image:loc><image:caption>NEAM-group-insurance-company-FHLB-advances</image:caption><image:title>NEAM-group-insurance-company-FHLB-advances</image:title></image:image><lastmod>2017-02-07</lastmod></url><url><loc>https://www.neamgroup.com/insurance-solutions/non-us</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpg</image:loc><image:caption>USInvestors</image:caption><image:title>USINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpg</image:loc><image:caption>NEAMlogo</image:caption><image:title>featuredimagelogo</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-NEAM-R.png</image:loc><image:caption>imglogoNEAMR</image:caption><image:title>imglogoNEAMR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-green-arrow.png</image:loc><image:caption>imggreenarrow</image:caption><image:title>imggreenarrow</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.png</image:loc><image:caption>imgmobilenavarrowdown</image:caption><image:title>imgmobilenavarrowdown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.png</image:loc><image:caption>imghamburgermenu</image:caption><image:title>imghamburgermenu</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.png</image:loc><image:caption>imgBackToTop</image:caption><image:title>imgBackToTop</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20cara.jpg</image:loc><image:caption>LTDsolutionscara</image:caption><image:title>LTDsolutionscara</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-arrow-off.png</image:loc><image:caption>imgarrowoff</image:caption><image:title>imgarrowoff</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20enterprise.jpg</image:loc><image:caption>LTDsolutionsenterprise</image:caption><image:title>LTDsolutionsenterprise</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/img-logo-footer-R.png</image:loc><image:caption>imglogofooterR</image:caption><image:title>imglogofooterR</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20accounting.jpg</image:loc><image:caption>LTDsolutionsaccounting</image:caption><image:title>LTDsolutionsaccounting</image:title></image:image><lastmod>2025-09-08</lastmod></url><url><loc>https://www.neamgroup.com/manage-your-subscriptions</loc><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-icon-search.png</image:loc><image:caption>Searchbutton</image:caption><image:title>imgiconsearch</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpg</image:loc><image:caption>NonUSInvestors</image:caption><image:title>NONUSINVESTORS</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.png</image:loc><image:caption>imgmobilenavarrowgraydown</image:caption><image:title>imgmobilenavarrowgraydown</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.png</image:loc><image:caption>linkedinfollowus</image:caption><image:title>linkedinfollowus</image:title></image:image><image:image><image:loc>https://www.neamgroup.com/hubfs/assets/images/Regional%20Awards%20-%20Multi%20Year%20-%20web.png</image:loc><image:caption>RegionalAwards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