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(2)</image:title></image:image><lastmod>2018-12-03T14:32:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/12/10/advent-devotional-monday-december-10/</loc><lastmod>2018-12-03T14:27:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/12/12/advent-devotional-wednesday-december-12/</loc><lastmod>2018-12-03T14:26:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/12/07/advent-devotional-friday-december-7/</loc><lastmod>2018-11-26T19:56:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/12/05/advent-devotional-wednesday-december-5/</loc><lastmod>2018-11-26T19:50:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/11/28/advent-devotional-wednesday-november-28/</loc><lastmod>2018-11-26T19:46:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/12/03/advent-devotional-monday-december-3/</loc><lastmod>2018-11-26T19:45:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/11/30/advent-devotional-friday-november-30/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/11/devotional-11-30.png</image:loc><image:title>devotional 11-30</image:title></image:image><lastmod>2018-11-26T19:10:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/11/26/advent-devotional-monday-november-26/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/11/devotional-11-26.png</image:loc><image:title>devotional 11-26</image:title></image:image><lastmod>2018-11-26T18:57:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/11/17/top3-for-november-16-2018/</loc><lastmod>2018-11-17T20:25:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/05/14/preparation-is-job-1/</loc><lastmod>2018-05-14T11:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/05/11/need-for-deep-over-wide/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/05/img_0761.jpg</image:loc><image:title>IMG_0761</image:title></image:image><lastmod>2018-05-11T14:05:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/04/26/sermon-except-marks-of-easter-people-spirit-filled/</loc><lastmod>2018-04-27T12:27:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/03/01/lent-devotional-6/</loc><lastmod>2018-02-27T20:05:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/27/lent-devotional-5/</loc><lastmod>2018-02-27T20:03:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/23/lent-devotional-4/</loc><lastmod>2018-02-23T18:03:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/23/lent-devotional-3/</loc><lastmod>2018-02-23T18:02:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/18/lent-devotional-2/</loc><lastmod>2018-02-17T13:15:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/17/lent-2018-devotional-1/</loc><lastmod>2018-02-17T12:26:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/02/16/lent-2018-voices-who-cry-out/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/02/those-who-cry-out-listening-boucherie_artboard-1.jpg</image:loc><image:title>Those Who Cry Out Listening Boucherie_Artboard 1</image:title></image:image><lastmod>2018-02-16T22:12:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/01/17/year-of-listening/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/01/dsc_4372.jpg</image:loc><image:title>dsc_4372</image:title></image:image><lastmod>2018-01-20T21:14:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/01/05/top3-for-january-5-2018/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2018/01/img_0807-e1515150909984.jpg</image:loc><image:title>IMG_0807</image:title></image:image><lastmod>2018-01-05T11:15:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2018/01/02/new-years-resolution-no-way/</loc><lastmod>2018-01-02T18:33:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/28/new-year-and-a-new-you/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0797.jpg</image:loc><image:title>img_0797</image:title></image:image><lastmod>2017-12-28T20:56:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/23/advent-2017-up-close-and-personal-saturday-december-23/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0750.jpg</image:loc><image:title>img_0750</image:title></image:image><lastmod>2017-12-23T23:11:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/21/advent-2017-up-close-and-personal-thursday-december-21/</loc><lastmod>2017-12-21T15:02:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/20/advent-2017-up-close-and-personal-wednesday-december-20th/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0792.jpg</image:loc><image:title>img_0792</image:title></image:image><lastmod>2017-12-20T14:00:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/18/advent-2017-up-close-and-personal-monday-december-18/</loc><lastmod>2017-12-19T03:36:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/15/advent-2017-up-close-and-personal-friday-dec-15th/</loc><lastmod>2017-12-15T15:43:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/11/advent-2017-up-close-and-personal-monday-dec-11th/</loc><lastmod>2017-12-11T13:24:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/08/advent-2017-up-close-and-personal-friday-dec-8th/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0688.jpg</image:loc><image:title>img_0688</image:title></image:image><lastmod>2017-12-08T19:53:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/07/advent-2017-up-close-and-personal-dec-7/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0087.jpg</image:loc><image:title>img_0087</image:title></image:image><lastmod>2017-12-07T22:42:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/06/advent-2017-up-close-and-personal-wednesday-dec-6th/</loc><lastmod>2017-12-06T22:12:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/05/advent-2017-up-close-and-personal/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0074.jpg</image:loc><image:title>img_0074</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/12/img_0789.jpg</image:loc><image:title>img_0789</image:title></image:image><lastmod>2017-12-05T13:51:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/12/04/advent-great-anticipation/</loc><lastmod>2017-12-05T01:27:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/11/24/my-morning-routine/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/11/img_0781-e1511544254832.jpg</image:loc><image:title>IMG_0781</image:title></image:image><lastmod>2017-11-24T22:00:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/11/17/top3-for-november-17-2017/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/11/img_0100.jpg</image:loc><image:title>img_0100</image:title></image:image><lastmod>2017-11-17T15:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/11/10/top3-for-november-10-2017/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/11/img_0775-e1510329141783.jpg</image:loc><image:title>IMG_0775</image:title><image:caption>Reminder that Christmas is coming! This picture taken on Nov. 9...</image:caption></image:image><lastmod>2017-11-10T15:54:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/11/06/a-narrow-gospel/</loc><lastmod>2017-11-07T01:14:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/11/03/top3-for-november-3-2017/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/11/img_0769.jpg</image:loc><image:title>IMG_0769</image:title></image:image><lastmod>2017-11-03T13:24:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/27/top3-for-october-27-2017/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0750.jpg</image:loc><image:title>IMG_0750</image:title></image:image><lastmod>2017-10-27T09:53:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/20/a-few-more-pictures-of-the-trip-to-the-dmz-demilitarized-zone-along-the-south-and-north-korea-border/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0676.jpg</image:loc><image:title>img_0676</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0680.jpg</image:loc><image:title>img_0680</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0707.jpg</image:loc><image:title>img_0707</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0702.jpg</image:loc><image:title>img_0702</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0701.jpg</image:loc><image:title>img_0701</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0716.jpg</image:loc><image:title>img_0716</image:title></image:image><lastmod>2017-10-20T11:17:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/19/planting-flowers-and-fixing-roads-near-the-d-m-z/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0704-1.jpg</image:loc><image:title>img_0704-1</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0690.jpg</image:loc><image:title>img_0690</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0697.jpg</image:loc><image:title>img_0697</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0722.jpg</image:loc><image:title>img_0722</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0715.jpg</image:loc><image:title>img_0715</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0704.jpg</image:loc><image:title>img_0704</image:title></image:image><lastmod>2017-10-19T16:40:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/18/day-2-in-seoul%ef%bb%bf/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0652-2.jpg</image:loc><image:title>img_0652-2</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0664-1.jpg</image:loc><image:title>Atop Prayer Mountain - S. Korea</image:title><image:caption>I kid you not...the gentleman on the left's name is John Wesley.  On the right is Kuriakose Iype. Both pastors from India serving in parts of India hostile to Christians particular Christian leaders.</image:caption></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0648.jpg</image:loc><image:title>img_0648</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0668.jpg</image:loc><image:title>img_0668</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0647.jpg</image:loc><image:title>img_0647</image:title></image:image><lastmod>2017-10-18T15:20:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/17/tuesday-in-seoul-high-level-commitment/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0642.jpg</image:loc><image:title>img_0642</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_06351.jpg</image:loc><image:title>img_0635</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0640.jpg</image:loc><image:title>img_0640</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0639.jpg</image:loc><image:title>img_0639</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0638.jpg</image:loc><image:title>img_0638</image:title></image:image><lastmod>2017-10-20T17:20:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/16/not-much-to-report-yet/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0633.png</image:loc><image:title>img_0633</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0632.jpg</image:loc><image:title>img_0632</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0631.jpg</image:loc><image:title>img_0631</image:title></image:image><lastmod>2017-10-16T20:26:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/15/trip-to-south-korea-for-asbury-seminary-class/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_0070.png</image:loc><image:title>img_0070</image:title></image:image><lastmod>2017-10-15T14:21:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/10/power-of-promise-makingkeeping/</loc><lastmod>2017-10-07T00:41:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/10/06/top3-for-october-7-2017/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/10/img_1108-e1507334264122.jpg</image:loc><image:title>IMG_1108</image:title><image:caption>First Church Staff at the Plantory for a Day Apart. October 2, 2017</image:caption></image:image><lastmod>2017-10-07T00:02:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/09/15/top3-for-september-15th/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/09/img_6192-e1505478126801.jpg</image:loc><image:title>IMG_6192</image:title></image:image><lastmod>2017-09-15T12:25:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/09/01/top-3-for-september-1/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/09/21151268_1796998226996104_7081483200601466743_n.jpg</image:loc><image:title>21151268_1796998226996104_7081483200601466743_n</image:title></image:image><lastmod>2017-09-01T13:28:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/08/30/deep-and-wide/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/08/img_0059.jpg</image:loc><image:title>img_0059</image:title></image:image><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/08/img_00571.jpg</image:loc><image:title>img_0057</image:title></image:image><lastmod>2017-08-30T16:51:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2017/08/25/top3-for-august-21-27th/</loc><image:image><image:loc>https://jtoddnelson.com/wp-content/uploads/2017/08/img_0505-e1503664181760.jpg</image:loc><image:title>IMG_0505</image:title><image:caption>Eclipse 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es-winning-salon-news/</loc><lastmod>2009-02-18T22:48:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/17/caffeine-to-go/</loc><lastmod>2009-02-17T16:06:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/12/from-the-heart/</loc><lastmod>2009-02-12T22:42:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/postal-service-threats-to-cut-a-day-of-mail-delivery-jan-28-2009/</loc><lastmod>2009-02-11T00:04:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/29/obama-pressures-wall-street-over-bonuses-nytimescom/</loc><lastmod>2009-02-11T00:03:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/01/closed-or-open/</loc><lastmod>2009-02-11T00:01:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/02/light-of-day/</loc><lastmod>2009-02-11T00:01:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/04/labor-pains/</loc><lastmod>2009-02-11T00:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/04/ted09-conference-begins-what-are-we-waiting-for/</loc><lastmod>2009-02-10T23:59:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/05/ted-blog-ted2009-minutes-from-erik-hersman-elizabeth-gilbert-on-ruining-genius/</loc><lastmod>2009-02-10T23:58:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/06/power-of-a-story-brian-andreas/</loc><lastmod>2009-02-10T23:58:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/06/seths-blog-the-difference-between-a-show-and-a-story/</loc><lastmod>2009-02-10T23:57:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/07/tompeters-management-consulting-leadership-training-development-project-management/</loc><lastmod>2009-02-10T23:56:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/02/10/bank-help-not-well-received/</loc><lastmod>2009-02-10T21:00:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/30/day-5/</loc><lastmod>2009-01-30T18:10:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/16/</loc><lastmod>2009-01-28T16:30:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/doing-church/</loc><lastmod>2009-01-28T13:46:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/18/</loc><lastmod>2009-01-28T12:11:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/part-2/</loc><lastmod>2009-01-28T11:46:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/28/my-backyard/</loc><lastmod>2009-01-28T09:11:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/27/another-day-of-snow-and-no-school-and-twitter-thoughts/</loc><lastmod>2009-01-27T20:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/26/yep-you-guessed-it/</loc><lastmod>2009-01-26T07:43:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/26/why-incentives-are-effective-irresistible-and-almost-certain-to-backfire-fast-company/</loc><lastmod>2009-01-26T07:24:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/25/sermon-as-experience/</loc><lastmod>2009-01-25T23:09:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/22/starbucks-and-mc-yogi-offer-you-a-free-cuppa-joe-if-you-volunteer-design-of-the-times-fast-company/</loc><lastmod>2009-01-22T14:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/20/waiting-for-big-sis/</loc><lastmod>2009-01-20T15:56:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/19/spring-is-near-one-can-only-hope/</loc><lastmod>2009-01-19T08:37:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/18/fair-game-the-end-of-banking-as-we-know-it-nytimescom/</loc><lastmod>2009-01-18T20:06:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/18/bailout-is-a-no-strings-windfall-to-bankers-if-not-to-borrowers-nytimescom/</loc><lastmod>2009-01-18T19:56:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://jtoddnelson.com/2009/01/17/patience-amid-thoroughness/</loc><lastmod>2009-01-17T10:19:13+00:00</lastmod><changefreq>monthly</changefr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