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    <loc>https://www.jedburghadvisors.com/insights</loc>
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    <lastmod>2026-02-12</lastmod>
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    <loc>https://www.jedburghadvisors.com/insights/blog-disruption</loc>
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    <lastmod>2026-02-03</lastmod>
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      <image:title>News &amp; Insights - Embracing Disruptive Innovation - Make it stand out</image:title>
      <image:caption>Image created with AI, a disruptive technology</image:caption>
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  <url>
    <loc>https://www.jedburghadvisors.com/insights/lumpy-beats-smooth</loc>
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    <lastmod>2026-02-03</lastmod>
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      <image:title>News &amp; Insights - Lumpy Returns Beat Smooth - Make it stand out</image:title>
      <image:caption>Warren Buffett, “Charlie and I would much rather earn a lumpy 15% over time than a smooth 12%.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909474-J2MVWI3REPOM1UL8BVWT/Lump_v_Smooth2.png</image:loc>
      <image:title>News &amp; Insights - Lumpy Returns Beat Smooth - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>News &amp; Insights - Lumpy Returns Beat Smooth</image:title>
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    <loc>https://www.jedburghadvisors.com/insights/research-report-rubik</loc>
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    <lastmod>2026-02-03</lastmod>
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      <image:title>News &amp; Insights - Research Report: Rubrik (RBRK) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909615-XDW0EN6OSF4JUSSBKAVS/Rubrik_ARR_Growth3.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Rubrik (RBRK) - Rubrik hits $100M in 2 years</image:title>
      <image:caption>Rubrik demonstrated remarkably fast growth to reach the $100 million Annual Recurring Revenue (ARR) milestone.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909623-3S5CJBEHGI8TS5IT2H69/Rubrik_Metrics_Table.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Rubrik (RBRK) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909631-07NRMFBH5QUQ2DVP745J/Rubrik_Growth.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Rubrik (RBRK) - Make it stand out</image:title>
      <image:caption>Source: company information</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.jedburghadvisors.com/insights/building-a-better-index</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/b685eafa-4995-4b2e-928a-86081f1f4757/QQQ2.png</image:loc>
      <image:title>News &amp; Insights - Building a Better Index - Make it stand out</image:title>
      <image:caption>Source: https://www.slickcharts.com/nasdaq100 as of Feb 1, 2026.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/43ad54fa-9879-4cb4-bc26-963a7a23e6b6/nas100weight.png</image:loc>
      <image:title>News &amp; Insights - Building a Better Index - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1fa585b9-9c38-445c-bfd7-59c0f3db5d2d/QQQ_Top_Bottom.png</image:loc>
      <image:title>News &amp; Insights - Building a Better Index</image:title>
      <image:caption>Illustration of QQQ top performing constituents vs bottom performing</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.jedburghadvisors.com/insights/research-report-bitcon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909573-TKPEKIV3ZY47FA8L51VP/Bitcoin2.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Bitcoin - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909581-QFKBDYBZ0PY5OVLSKPE3/Bitcoin_halving.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Bitcoin - Make it stand out</image:title>
      <image:caption>Source: Bitcoin Magazine</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909589-V1LLTZ9DUWVXD2MBRAFO/Bitcoin_Price.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Bitcoin - Impressive growth</image:title>
      <image:caption>Source: CoinMarketCap</image:caption>
    </image:image>
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  <url>
    <loc>https://www.jedburghadvisors.com/insights/robinhood</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909540-VG1YYEA1W5I7NFZ5X8Y3/HOOD_Logo.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Robinhood (HOOD) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909548-YNO1NS3WOR9TW8IWLIVS/HOOD_Rev_Growtth.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Robinhood (HOOD) - Impressive top line growth</image:title>
      <image:caption>Source: Company information</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909556-C2G9JJB3QVG0WFBZSCCV/HOOD_Competition.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Robinhood (HOOD) - Younger and more engaged users</image:title>
      <image:caption>Source: company information</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.jedburghadvisors.com/insights/coinbase</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909341-7Q4TWHE3LPSX6SK1M65V/COIN4.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Coinbase (COIN) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909349-9YA3T4FDCCJ133UX33NH/coinbase-verified-users-1440x1094.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Coinbase (COIN)</image:title>
      <image:caption>“At Coinbase, our first priority is to ensure that we operate the most secure and compliant digital currency exchange in the world.” — Brian Armstrong, Coinbase CEO</image:caption>
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  <url>
    <loc>https://www.jedburghadvisors.com/insights/never-lose-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
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      <image:title>News &amp; Insights - Never Lose Money - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909514-NUK9QNKQNAAAGUYIQ691/math_of_returns.png</image:loc>
      <image:title>News &amp; Insights - Never Lose Money - Make it stand out</image:title>
      <image:caption>The ugly mathematics of drawdowns.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909522-2RXGIQPEAGJNU404UUNY/Screenshot+2024-07-06+at+07.16.34.png</image:loc>
      <image:title>News &amp; Insights - Never Lose Money - Make it stand out</image:title>
      <image:caption>Actual returns from a friend’s fund. He gave up a stellar two decade track record with one bad year.</image:caption>
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  <url>
    <loc>https://www.jedburghadvisors.com/insights/forgenano</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909389-GDJGYESV3W3GKZP7CNDD/Forge.jpg</image:loc>
      <image:title>News &amp; Insights - Research Report: Forge Nano - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909397-5Y3O9957SMFR48COXUGD/Forge_Battery_CAGR.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Forge Nano - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909406-757FCI6CFBQOQKA65ALS/Forge_China.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Forge Nano - Make it stand out</image:title>
      <image:caption>Sources: Benchmark minerals; Statista; CNN Business; all data is estimated</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909414-FOJ2LC2K453IC3CR3JAN/Forge_Comparison.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Forge Nano - Make it stand out</image:title>
      <image:caption>Source: from Forge Nano presentation, May 2023.</image:caption>
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  <url>
    <loc>https://www.jedburghadvisors.com/insights/crypto-ton</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909436-KQMP190GZT61MQA1EF1J/Ton.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Toncoin (TON) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6956c7ae781b854a4bec550c/1767294909444-EFO5XNNBRV493QX40DJA/telegram-user-growth.png</image:loc>
      <image:title>News &amp; Insights - Research Report: Toncoin (TON)</image:title>
      <image:caption>"We'll probably cross one billion monthly active users within a year now." — Pavel Durov, Founder and CEO, April 2024</image:caption>
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    <loc>https://www.jedburghadvisors.com/funds</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-27</lastmod>
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    <loc>https://www.jedburghadvisors.com/steve-livezey</loc>
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    <lastmod>2026-01-26</lastmod>
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    <lastmod>2026-03-10</lastmod>
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