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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/sl-positional-ads.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/Stock_Ticker_Chart.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/2009_fs_student_entry_form.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/2009_fs_teacher_checklist.pdf</loc>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/AwardTips.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/2008_challenge_consent_form.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_08_teacher.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_13_teacher.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_14_teacher.pdf</loc>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_15_student.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_15_teacher.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_feedbackform.pdf</loc>
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  <url>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_glossary.pdf</loc>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_introduction.pdf</loc>
    <lastmod>2007-02-20T02:41:52.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/int_studentwebsites.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/education-programs/Documents/2009-FinLit-gr7-8-2appendix.pdf</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/resps-for-education/Pages/how-do-i-reduce-the-risks-for-my-resp.aspx</loc>
    <lastmod>2009-11-19T03:43:42.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T03:43:44.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T03:43:39.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T03:43:38.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/resps-for-education/Pages/how-do-i-get-money-from-individual-and-family-resps.aspx</loc>
    <lastmod>2009-11-19T03:43:41.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T03:43:40.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T03:43:44.0000000-05:00</lastmod>
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    <lastmod>2009-11-27T22:43:52.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T21:52:54.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:58:41.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-is-an-annuity.aspx</loc>
    <lastmod>2010-02-09T01:33:42.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-affects-how-much-income-i-can-get-from-an-annuity.aspx</loc>
    <lastmod>2010-03-05T22:44:45.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-choices-do-i-have-when-i-buy-an-annuity.aspx</loc>
    <lastmod>2010-03-05T22:45:47.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-does-an-annuity-cost.aspx</loc>
    <lastmod>2010-03-05T22:43:42.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T23:52:49.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/is-an-annuity-a-good-choice-for-me.aspx</loc>
    <lastmod>2009-11-19T00:00:30.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T23:19:04.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/choosing-the-right-annuity-frank-and-frances-story.aspx</loc>
    <lastmod>2009-11-18T02:58:44.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T23:17:01.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-are-extra-annuity-options-priced.aspx</loc>
    <lastmod>2009-11-18T02:58:45.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/where-can-i-buy-an-annuity.aspx</loc>
    <lastmod>2009-11-18T23:55:01.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-do-i-choose-an-annuity-that-is-right-for-me.aspx</loc>
    <lastmod>2009-11-23T21:03:45.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-steps-do-i-take-to-buy-an-annuity.aspx</loc>
    <lastmod>2009-11-20T16:34:20.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T23:57:07.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/should-i-buy-an-annuity-when-interest-rates-are-low.aspx</loc>
    <lastmod>2009-11-18T23:54:17.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/making-rrif-withdrawals.aspx</loc>
    <lastmod>2009-11-22T07:20:46.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/whats-the-minimum-amount-i-must-take-out-of-my-rrif.aspx</loc>
    <lastmod>2009-11-18T02:58:48.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/where-can-i-open-a-registered-retirement-income-fund-rrif.aspx</loc>
    <lastmod>2009-12-23T19:51:55.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-do-i-choose-a-rrif-that-is-right-for-me.aspx</loc>
    <lastmod>2009-11-19T00:03:34.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-steps-do-i-take-to-open-a-rrif.aspx</loc>
    <lastmod>2009-11-23T21:06:44.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-do-rrif-withdrawals-work.aspx</loc>
    <lastmod>2009-11-20T11:22:09.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-changes-can-affect-my-rrif-withdrawals-over-time.aspx</loc>
    <lastmod>2009-11-22T02:11:35.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-is-a-registered-retirement-income-fund-rrif.aspx</loc>
    <lastmod>2009-12-18T19:54:31.0000000-05:00</lastmod>
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    <lastmod>2009-11-20T16:53:32.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T23:12:12.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T20:37:00.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/what-are-the-risks-of-saving-with-a-rrif.aspx</loc>
    <lastmod>2009-11-18T23:15:03.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/is-a-rrif-a-good-choice-for-me.aspx</loc>
    <lastmod>2009-11-18T23:16:19.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-do-i-invest-my-registered-retirement-income-fund-savings.aspx</loc>
    <lastmod>2009-11-18T23:21:56.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-do-i-choose-investments-for-my-rrif.aspx</loc>
    <lastmod>2009-12-24T01:27:16.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/how-can-i-estimate-what-ill-get-from-my-rrif.aspx</loc>
    <lastmod>2009-11-23T20:15:35.0000000-05:00</lastmod>
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    <lastmod>2009-11-23T20:58:35.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/three-things-to-think-about-before-you-spend-your-rrif-savings.aspx</loc>
    <lastmod>2009-11-20T16:53:31.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrifs-and-annuities/Pages/sample-rrif-income.aspx</loc>
    <lastmod>2009-11-22T07:39:31.0000000-05:00</lastmod>
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    <lastmod>2009-11-20T16:56:41.0000000-05:00</lastmod>
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    <lastmod>2009-12-18T23:16:32.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:23.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:23.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/how-do-i-choose-an-rrsp-thats-right-for-me.aspx</loc>
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    <lastmod>2009-11-18T02:45:24.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/how-often-should-i-contribute-to-my-rrsp.aspx</loc>
    <lastmod>2009-11-18T02:45:25.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:25.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:26.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:26.0000000-05:00</lastmod>
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    <lastmod>2009-11-19T00:44:48.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/rrsps-in-your-family-and-career-building-years.aspx</loc>
    <lastmod>2009-11-18T02:45:27.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:27.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/what-will-it-cost-me-to-have-an-rrsp.aspx</loc>
    <lastmod>2009-11-18T02:45:28.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/where-can-i-open-a-registered-retirement-savings-plan-rrsp.aspx</loc>
    <lastmod>2009-11-18T02:45:28.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/do-i-need-a-self-directed-rrsp.aspx</loc>
    <lastmod>2009-12-21T19:00:36.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/how-do-i-take-money-out-of-my-rrsp.aspx</loc>
    <lastmod>2009-12-18T01:59:07.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:30.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:31.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/what-is-a-registered-retirement-savings-plan-rrsp.aspx</loc>
    <lastmod>2009-11-18T02:45:32.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/what-steps-do-i-take-to-open-an-rrsp.aspx</loc>
    <lastmod>2009-11-26T01:36:19.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/when-does-it-make-sense-to-contribute-to-my-rrsp.aspx</loc>
    <lastmod>2010-01-12T00:54:28.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:34.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/rrsps-for-retirement/Pages/when-does-it-make-sense-to-pay-down-debt-instead.aspx</loc>
    <lastmod>2009-11-18T02:45:35.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:45:35.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T20:13:51.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T20:10:36.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/stocks/Pages/how-do-i-choose-a-stockbroker.aspx</loc>
    <lastmod>2009-11-18T20:13:07.0000000-05:00</lastmod>
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  <url>
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    <lastmod>2009-11-18T20:07:08.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/stocks/Pages/seven-steps-to-buy-stocks-and-bonds.aspx</loc>
    <lastmod>2009-11-18T19:55:51.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/investing/stocks/Pages/what-do-i-need-to-know-before-i-buy-stocks-or-bonds.aspx</loc>
    <lastmod>2009-11-18T19:49:27.0000000-05:00</lastmod>
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    <lastmod>2009-11-22T06:50:54.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T02:32:17.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/formal-planning.aspx</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/who-gets-what-things-to-think-about.aspx</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-is-a-will.aspx</loc>
    <lastmod>2009-11-18T02:32:20.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-should-my-will-cover.aspx</loc>
    <lastmod>2009-11-18T02:32:20.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-does-an-executor-do.aspx</loc>
    <lastmod>2009-11-18T02:32:21.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/the-five-biggest-dangers-of-not-having-a-proper-will.aspx</loc>
    <lastmod>2009-11-18T02:32:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/should-i-choose-someone-close-to-me-or-an-expert-to-be-my-executor.aspx</loc>
    <lastmod>2009-11-18T02:32:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/seven-key-things-that-a-will-should-cover.aspx</loc>
    <lastmod>2009-11-18T02:32:22.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/how-do-i-choose-an-executor-or-estate-trustee.aspx</loc>
    <lastmod>2009-11-18T02:32:22.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/how-does-probate-work.aspx</loc>
    <lastmod>2009-11-18T02:32:22.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/can-i-write-my-own-will-or-do-i-need-a-lawyer.aspx</loc>
    <lastmod>2009-11-18T02:32:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/can-i-write-my-own-will.aspx</loc>
    <lastmod>2009-11-18T02:32:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-do-i-need-to-do-right-after-a-family-member-dies.aspx</loc>
    <lastmod>2009-11-18T02:32:24.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-do-i-need-to-do-in-the-months-after-a-family-member-dies.aspx</loc>
    <lastmod>2009-11-18T02:32:25.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/where-can-i-get-help-settling-things-after-a-family-member-dies.aspx</loc>
    <lastmod>2009-11-18T02:32:25.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/how-can-i-learn-more-about-what-to-do-when-a-family-member-dies.aspx</loc>
    <lastmod>2009-11-18T02:32:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/leaving-behind-a-well-planned-estate-rodney-and-roses-story.aspx</loc>
    <lastmod>2009-11-18T02:32:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/creating-a-well-planned-estate-ross-and-reenas-story.aspx</loc>
    <lastmod>2009-11-18T02:32:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/the-problem-with-not-having-a-will-leonards-story.aspx</loc>
    <lastmod>2009-11-18T02:32:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/settling-a-complex-estate-luigis-story.aspx</loc>
    <lastmod>2009-11-19T22:03:53.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/death-and-taxes-how-to-keep-the-government-from-becoming-your-new-best-friend.aspx</loc>
    <lastmod>2009-11-19T01:50:30.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-taxes-and-other-costs-may-be-due-when-you-die.aspx</loc>
    <lastmod>2009-11-18T02:32:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-happens-to-your-unsheltered-savings-and-investments-after-your-death.aspx</loc>
    <lastmod>2010-03-03T22:43:01.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-happens-to-your-life-insurance-policy-when-you-die.aspx</loc>
    <lastmod>2009-11-18T02:32:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/managing-your-money/planning/wills-and-estate-planning/Pages/what-happens-to-your-savings-and-investments-in-a-registered-plan-after-your-death.aspx</loc>
    <lastmod>2010-03-08T20:11:49.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/print-preview/Pages/prntprvw.aspx</loc>
    <lastmod>2009-05-25T17:03:31.0000000-04:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/research-centre/Pages/default.aspx</loc>
    <lastmod>2009-11-10T08:07:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/sitemap/Pages/default.aspx</loc>
    <lastmod>2010-03-05T20:42:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/terms-of-use/Pages/default.aspx</loc>
    <lastmod>2009-11-24T22:37:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/Pages/default.aspx</loc>
    <lastmod>2010-02-05T21:22:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/Brochures/Pages/default.aspx</loc>
    <lastmod>2010-01-28T22:38:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/Brochures/Documents/GetSmarterAboutMoney.pdf</loc>
    <lastmod>2009-12-16T00:56:35.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/case-studies/Pages/default.aspx</loc>
    <lastmod>2010-02-26T20:49:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/Pages/glossary.aspx</loc>
    <lastmod>2010-01-28T22:45:32.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/Documents/IEF-Glossary.pdf</loc>
    <lastmod>2009-11-04T19:14:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/Documents/Investor-Education-Fund-Glossary.pdf</loc>
    <lastmod>2010-01-28T21:18:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/access-number.aspx</loc>
    <lastmod>2009-11-18T03:02:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/account.aspx</loc>
    <lastmod>2009-11-18T03:02:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/accredited-investor.aspx</loc>
    <lastmod>2009-11-18T03:02:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/accumulated-value.aspx</loc>
    <lastmod>2009-11-18T03:02:10.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/administrative-body.aspx</loc>
    <lastmod>2009-11-18T03:02:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annual-report.aspx</loc>
    <lastmod>2009-11-18T03:02:10.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/asset.aspx</loc>
    <lastmod>2009-11-18T03:02:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annuity.aspx</loc>
    <lastmod>2010-02-09T01:34:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/accidental-death-insurance.aspx</loc>
    <lastmod>2010-02-09T01:37:11.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/account-fees.aspx</loc>
    <lastmod>2009-11-18T03:02:11.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annual-information-form-aif.aspx</loc>
    <lastmod>2009-11-18T03:02:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annual-percentage-rate-apr.aspx</loc>
    <lastmod>2009-11-18T03:02:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/arbitration.aspx</loc>
    <lastmod>2009-11-18T03:02:12.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/asset-allocation.aspx</loc>
    <lastmod>2009-11-18T03:02:12.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/assuris.aspx</loc>
    <lastmod>2009-11-18T03:02:12.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/audit.aspx</loc>
    <lastmod>2009-11-18T03:02:13.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T03:02:13.0000000-05:00</lastmod>
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    <lastmod>2009-11-18T03:02:13.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/automated-teller-machine-atm.aspx</loc>
    <lastmod>2009-11-18T03:02:14.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/automatic-withdrawals.aspx</loc>
    <lastmod>2009-11-18T03:02:14.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/balance-sheet.aspx</loc>
    <lastmod>2009-11-18T03:02:14.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/account-statement.aspx</loc>
    <lastmod>2009-11-18T03:02:14.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/active-management.aspx</loc>
    <lastmod>2009-11-18T03:02:15.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/adjusted-cost-base-acb.aspx</loc>
    <lastmod>2009-11-18T03:02:15.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/administration-fee.aspx</loc>
    <lastmod>2009-11-18T03:02:15.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/after-tax.aspx</loc>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annual-fee.aspx</loc>
    <lastmod>2009-11-18T03:02:15.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/annual-growth.aspx</loc>
    <lastmod>2009-11-18T03:02:16.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/ask.aspx</loc>
    <lastmod>2009-11-18T03:02:16.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/asset-class.aspx</loc>
    <lastmod>2010-02-09T01:38:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/asset-mix.aspx</loc>
    <lastmod>2010-02-09T01:41:41.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/benefit.aspx</loc>
    <lastmod>2009-11-18T03:02:17.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/back-end-load.aspx</loc>
    <lastmod>2009-11-18T03:02:17.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/balanced-fund.aspx</loc>
    <lastmod>2009-11-18T03:02:18.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bank.aspx</loc>
    <lastmod>2009-11-18T03:02:18.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bond.aspx</loc>
    <lastmod>2010-02-09T01:42:57.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bank-draft.aspx</loc>
    <lastmod>2009-11-18T03:02:18.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bond-laddering.aspx</loc>
    <lastmod>2009-11-18T03:02:19.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bankers-acceptance.aspx</loc>
    <lastmod>2009-11-18T03:02:19.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/book-value.aspx</loc>
    <lastmod>2009-11-18T03:02:19.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bank-of-canada.aspx</loc>
    <lastmod>2009-11-18T03:02:19.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/branch-manager.aspx</loc>
    <lastmod>2009-11-18T03:02:20.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bankrupt-bankruptcy.aspx</loc>
    <lastmod>2009-11-18T03:02:20.0000000-05:00</lastmod>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/barter.aspx</loc>
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  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bear-market.aspx</loc>
    <lastmod>2009-11-18T03:02:21.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bull-market.aspx</loc>
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  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/buying-on-margin.aspx</loc>
    <lastmod>2010-02-09T01:44:10.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/beneficiary.aspx</loc>
    <lastmod>2009-11-18T03:02:22.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/bid.aspx</loc>
    <lastmod>2009-11-18T03:02:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/blue-chip-stock.aspx</loc>
    <lastmod>2009-11-18T03:02:22.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/board-lot.aspx</loc>
    <lastmod>2009-11-18T03:02:22.0000000-05:00</lastmod>
  </url>
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    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/broker.aspx</loc>
    <lastmod>2009-11-18T03:02:23.0000000-05:00</lastmod>
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  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/brokerage-firm.aspx</loc>
    <lastmod>2009-11-18T03:02:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/buy-sell-agreement.aspx</loc>
    <lastmod>2009-11-22T07:40:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/caisse-populaire.aspx</loc>
    <lastmod>2009-11-18T03:02:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/call-option.aspx</loc>
    <lastmod>2009-11-18T03:02:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-education-savings-grant-cesg.aspx</loc>
    <lastmod>2009-11-18T03:02:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canadian-foundation-for-economic-education-cfee.aspx</loc>
    <lastmod>2009-11-18T03:02:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-mortgage-and-housing-corporation-cmhc.aspx</loc>
    <lastmod>2009-11-18T03:02:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canadian-investor-protection-fund-cipf.aspx</loc>
    <lastmod>2009-11-18T03:02:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-pension-plan-cpp-quebec-pension-plan-qpp.aspx</loc>
    <lastmod>2009-11-18T03:02:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canadian-securities-administrators-csa.aspx</loc>
    <lastmod>2009-11-18T03:02:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-premium-bond-cpb.aspx</loc>
    <lastmod>2009-11-18T03:02:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cancelled-cheque.aspx</loc>
    <lastmod>2009-11-18T03:02:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-savings-bond-csb.aspx</loc>
    <lastmod>2009-11-18T03:02:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canadian-bankers-association-cba.aspx</loc>
    <lastmod>2009-11-18T03:02:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital.aspx</loc>
    <lastmod>2009-11-18T03:02:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-costs.aspx</loc>
    <lastmod>2009-11-18T03:02:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/canada-deposit-insurance-corporation-cdic.aspx</loc>
    <lastmod>2009-11-18T03:02:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-gain.aspx</loc>
    <lastmod>2010-02-09T01:46:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-gains-tax.aspx</loc>
    <lastmod>2010-02-09T01:48:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-loss.aspx</loc>
    <lastmod>2009-11-18T03:02:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-markets.aspx</loc>
    <lastmod>2009-11-18T03:02:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/capital-property.aspx</loc>
    <lastmod>2009-11-18T03:02:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/car-insurance.aspx</loc>
    <lastmod>2009-11-18T03:02:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-a-cheque.aspx</loc>
    <lastmod>2009-11-18T03:02:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-equivalent.aspx</loc>
    <lastmod>2009-11-18T03:02:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-flow.aspx</loc>
    <lastmod>2009-11-18T03:02:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-flow-statement.aspx</loc>
    <lastmod>2009-11-18T03:02:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-position.aspx</loc>
    <lastmod>2009-11-18T03:02:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cash-value.aspx</loc>
    <lastmod>2010-02-09T01:50:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/cheque.aspx</loc>
    <lastmod>2009-11-18T03:02:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/certificate-of-deposit-cd.aspx</loc>
    <lastmod>2009-11-18T03:02:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/child-support.aspx</loc>
    <lastmod>2009-11-18T03:02:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/certified-financial-planner-cfp.aspx</loc>
    <lastmod>2009-11-18T03:02:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/civil-court.aspx</loc>
    <lastmod>2009-11-18T03:02:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/claim.aspx</loc>
    <lastmod>2009-11-18T03:02:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/closed-end-fund.aspx</loc>
    <lastmod>2009-11-18T03:02:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/closing-costs.aspx</loc>
    <lastmod>2009-11-18T03:02:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/collateral.aspx</loc>
    <lastmod>2009-11-18T03:02:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/collectibles.aspx</loc>
    <lastmod>2009-11-18T03:02:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/collision-insurance.aspx</loc>
    <lastmod>2009-11-18T03:02:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commercial-paper.aspx</loc>
    <lastmod>2009-11-18T03:02:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commission.aspx</loc>
    <lastmod>2010-02-09T01:52:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commissioner.aspx</loc>
    <lastmod>2009-11-18T03:02:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commodity.aspx</loc>
    <lastmod>2009-11-18T03:02:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commodity-pools.aspx</loc>
    <lastmod>2009-11-18T03:02:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/common-share.aspx</loc>
    <lastmod>2010-02-09T02:06:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/common-stock.aspx</loc>
    <lastmod>2009-11-18T03:02:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/commuted-value.aspx</loc>
    <lastmod>2009-11-18T03:02:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/compliance-officer.aspx</loc>
    <lastmod>2009-11-18T03:02:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/compounding.aspx</loc>
    <lastmod>2010-02-09T02:18:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/consolidation-loan.aspx</loc>
    <lastmod>2009-11-18T03:02:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/consumer-price-index.aspx</loc>
    <lastmod>2009-11-18T03:02:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/contract.aspx</loc>
    <lastmod>2009-11-18T03:02:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/contribution.aspx</loc>
    <lastmod>2009-11-18T03:02:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/contribution-room.aspx</loc>
    <lastmod>2009-11-18T03:02:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/convertible.aspx</loc>
    <lastmod>2009-11-18T03:02:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/convertible-life-insurance.aspx</loc>
    <lastmod>2010-02-09T19:19:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/corporate-governance.aspx</loc>
    <lastmod>2009-11-18T03:02:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/coupon.aspx</loc>
    <lastmod>2009-11-18T03:02:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/coverage.aspx</loc>
    <lastmod>2009-11-18T03:02:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit.aspx</loc>
    <lastmod>2009-11-18T03:02:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit-card.aspx</loc>
    <lastmod>2009-11-18T03:02:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit-history.aspx</loc>
    <lastmod>2009-11-18T03:02:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit-rating.aspx</loc>
    <lastmod>2009-11-18T03:02:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/creditor.aspx</loc>
    <lastmod>2009-11-18T03:02:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/creditor-insurance.aspx</loc>
    <lastmod>2010-02-09T19:21:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit-report.aspx</loc>
    <lastmod>2009-11-18T03:02:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/credit-union.aspx</loc>
    <lastmod>2009-11-18T03:02:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/critical-illness-insurance.aspx</loc>
    <lastmod>2010-02-09T19:24:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/currency.aspx</loc>
    <lastmod>2009-11-18T03:02:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/custody.aspx</loc>
    <lastmod>2009-11-18T03:02:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deduction-limit.aspx</loc>
    <lastmod>2009-11-18T03:02:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deferred-profit-sharing-plan-dpsp.aspx</loc>
    <lastmod>2009-11-18T03:02:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deferred-sales-charge-dsc.aspx</loc>
    <lastmod>2009-11-18T03:02:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/death-benefit.aspx</loc>
    <lastmod>2009-11-18T03:02:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/debenture.aspx</loc>
    <lastmod>2009-11-18T03:02:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/debit-card.aspx</loc>
    <lastmod>2009-11-18T03:02:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/debt.aspx</loc>
    <lastmod>2009-11-18T03:02:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deductible.aspx</loc>
    <lastmod>2009-11-18T03:02:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deductible-expense.aspx</loc>
    <lastmod>2009-11-18T03:02:49.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/defined-benefit-db-pension-plan.aspx</loc>
    <lastmod>2010-02-09T19:27:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/defined-contribution-dc-plan.aspx</loc>
    <lastmod>2010-02-09T19:28:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deflation.aspx</loc>
    <lastmod>2009-11-18T03:02:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/deposit.aspx</loc>
    <lastmod>2009-11-18T03:02:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/depreciate.aspx</loc>
    <lastmod>2009-11-18T03:02:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/depreciation.aspx</loc>
    <lastmod>2009-11-18T03:02:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/derivative.aspx</loc>
    <lastmod>2009-11-18T03:02:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/designation.aspx</loc>
    <lastmod>2009-11-18T03:02:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/direct-deposit.aspx</loc>
    <lastmod>2009-11-18T03:02:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/disability-insurance.aspx</loc>
    <lastmod>2010-02-09T19:30:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/disclosure.aspx</loc>
    <lastmod>2009-11-18T03:02:52.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/discount.aspx</loc>
    <lastmod>2009-11-18T03:02:52.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/discount-broker.aspx</loc>
    <lastmod>2010-02-09T19:34:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/discount-brokerage.aspx</loc>
    <lastmod>2010-02-09T19:35:58.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/distribution.aspx</loc>
    <lastmod>2009-11-18T03:02:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/diversification.aspx</loc>
    <lastmod>2009-11-18T03:02:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/dividend.aspx</loc>
    <lastmod>2010-02-09T19:38:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/dividend-reinvestment-plan-drip.aspx</loc>
    <lastmod>2009-11-18T03:02:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/dividend-stocks.aspx</loc>
    <lastmod>2009-11-18T03:02:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/dividend-yield.aspx</loc>
    <lastmod>2009-11-18T03:02:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/dollar-cost-averaging.aspx</loc>
    <lastmod>2009-11-18T03:02:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/down-payment.aspx</loc>
    <lastmod>2009-11-18T03:02:55.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/earnings.aspx</loc>
    <lastmod>2009-11-18T03:02:55.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/earnings-per-share.aspx</loc>
    <lastmod>2009-11-18T03:02:55.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/education-assistance-payment-eap.aspx</loc>
    <lastmod>2009-11-18T03:02:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/emerging-market.aspx</loc>
    <lastmod>2009-11-18T03:02:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/employee-stock-purchase-plan-espp.aspx</loc>
    <lastmod>2009-11-18T03:02:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/employment-insurance-ei.aspx</loc>
    <lastmod>2009-11-18T03:02:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/encryption.aspx</loc>
    <lastmod>2009-11-18T03:02:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/endorse-a-cheque.aspx</loc>
    <lastmod>2009-11-18T03:02:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/equities.aspx</loc>
    <lastmod>2010-02-09T19:40:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/equity.aspx</loc>
    <lastmod>2010-02-09T19:41:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/equity-index.aspx</loc>
    <lastmod>2009-11-18T03:02:58.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/interest.aspx</loc>
    <lastmod>2010-02-09T19:43:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mutual-fund.aspx</loc>
    <lastmod>2009-11-18T03:02:58.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guaranteed-investment-certificate-gic.aspx</loc>
    <lastmod>2010-02-09T19:54:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/portfolio.aspx</loc>
    <lastmod>2010-02-09T20:32:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/probate.aspx</loc>
    <lastmod>2009-11-18T03:02:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/profit.aspx</loc>
    <lastmod>2009-11-18T03:02:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/profit-after-fees.aspx</loc>
    <lastmod>2009-11-18T03:02:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pro-forma-earnings.aspx</loc>
    <lastmod>2009-11-18T03:03:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pro-forma-financial-statements.aspx</loc>
    <lastmod>2009-11-18T03:03:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/return.aspx</loc>
    <lastmod>2010-02-09T20:35:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/risk.aspx</loc>
    <lastmod>2009-11-18T03:03:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trustee.aspx</loc>
    <lastmod>2009-11-18T03:03:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/management-expense-ratio-mer.aspx</loc>
    <lastmod>2009-11-18T03:03:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/projected-cash-reserve.aspx</loc>
    <lastmod>2009-11-18T03:03:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/projected-growth.aspx</loc>
    <lastmod>2009-11-18T03:03:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/property-tax.aspx</loc>
    <lastmod>2009-11-18T03:03:02.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/prospectus.aspx</loc>
    <lastmod>2010-02-09T20:37:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/prospectus-exemption.aspx</loc>
    <lastmod>2009-11-18T03:03:02.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/put-option.aspx</loc>
    <lastmod>2009-11-18T03:03:02.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/quarterly-filings.aspx</loc>
    <lastmod>2009-11-18T03:03:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock.aspx</loc>
    <lastmod>2010-02-09T20:39:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-bracket.aspx</loc>
    <lastmod>2009-11-18T03:03:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/interest-rate.aspx</loc>
    <lastmod>2009-11-18T03:03:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/line-of-credit.aspx</loc>
    <lastmod>2009-11-18T03:03:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/loan.aspx</loc>
    <lastmod>2009-11-18T03:03:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mortgage.aspx</loc>
    <lastmod>2009-11-18T03:03:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/ontario-health-insurance-plan-ohip.aspx</loc>
    <lastmod>2009-11-18T03:03:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/inflation.aspx</loc>
    <lastmod>2009-11-18T03:03:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/insurance.aspx</loc>
    <lastmod>2010-02-09T20:41:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pension.aspx</loc>
    <lastmod>2009-11-18T03:03:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registered-retirement-savings-plan-rrsp.aspx</loc>
    <lastmod>2010-02-09T20:42:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax.aspx</loc>
    <lastmod>2009-11-18T03:03:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/unsheltered.aspx</loc>
    <lastmod>2009-11-18T03:03:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/equity-mutual-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:07.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate.aspx</loc>
    <lastmod>2009-11-18T03:03:07.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate-planner.aspx</loc>
    <lastmod>2009-12-18T01:25:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate-planning.aspx</loc>
    <lastmod>2009-11-18T03:03:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate-tax.aspx</loc>
    <lastmod>2009-11-18T03:03:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/old-age-security-oas.aspx</loc>
    <lastmod>2009-11-18T03:03:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registered-retirement-income-fund-rrif.aspx</loc>
    <lastmod>2010-02-09T20:44:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate-trustee.aspx</loc>
    <lastmod>2009-11-18T03:03:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/exchange-rate.aspx</loc>
    <lastmod>2009-11-18T03:03:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/realized-capital-gains.aspx</loc>
    <lastmod>2009-11-18T03:03:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/real-return.aspx</loc>
    <lastmod>2009-11-18T03:03:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/exchange-traded-fund-etf.aspx</loc>
    <lastmod>2009-11-18T03:03:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/executor.aspx</loc>
    <lastmod>2009-11-18T03:03:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/expected-return.aspx</loc>
    <lastmod>2009-11-18T03:03:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/expenditures.aspx</loc>
    <lastmod>2009-11-18T03:03:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/face-value.aspx</loc>
    <lastmod>2009-11-18T03:03:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/real-estate-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/family-of-funds.aspx</loc>
    <lastmod>2009-11-18T03:03:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/redeemable-gic.aspx</loc>
    <lastmod>2009-11-18T03:03:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/redemption-fee.aspx</loc>
    <lastmod>2009-11-18T03:03:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registered.aspx</loc>
    <lastmod>2009-11-18T03:03:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/family-resp.aspx</loc>
    <lastmod>2009-11-18T03:03:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/family-trust.aspx</loc>
    <lastmod>2009-11-18T03:03:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/finance-company.aspx</loc>
    <lastmod>2009-11-18T03:03:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/financial-consumer-agency-of-canada-fcac.aspx</loc>
    <lastmod>2009-11-18T03:03:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/financial-institution.aspx</loc>
    <lastmod>2009-11-18T03:03:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/real-return-bond-rrb.aspx</loc>
    <lastmod>2009-11-18T03:03:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/financial-planner.aspx</loc>
    <lastmod>2010-02-09T20:46:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/financial-ratio.aspx</loc>
    <lastmod>2009-11-18T03:03:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registered-pension-plan-rpp.aspx</loc>
    <lastmod>2009-11-18T03:03:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registrant.aspx</loc>
    <lastmod>2009-11-18T03:03:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/financial-statements.aspx</loc>
    <lastmod>2009-11-18T03:03:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/first-60-days.aspx</loc>
    <lastmod>2009-11-18T03:03:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fiscal-year.aspx</loc>
    <lastmod>2009-11-18T03:03:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fixed-income.aspx</loc>
    <lastmod>2009-11-18T03:03:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fixed-income-mutual-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/registered-education-savings-plan-resp.aspx</loc>
    <lastmod>2010-02-09T20:48:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/regulator.aspx</loc>
    <lastmod>2009-11-18T03:03:17.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fixed-term-deposit.aspx</loc>
    <lastmod>2009-11-18T03:03:17.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/reporting-issuer.aspx</loc>
    <lastmod>2009-11-18T03:03:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/resale-restrictions.aspx</loc>
    <lastmod>2009-11-18T03:03:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/flow-through-share.aspx</loc>
    <lastmod>2009-11-18T03:03:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/foreign-tax-credit.aspx</loc>
    <lastmod>2009-11-18T03:03:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/front-end-load.aspx</loc>
    <lastmod>2009-11-18T03:03:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fund-manager.aspx</loc>
    <lastmod>2009-11-18T03:03:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/remortgage.aspx</loc>
    <lastmod>2009-11-18T03:03:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/restricted-voting-shares.aspx</loc>
    <lastmod>2009-11-18T03:03:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/retirement-compensation-arrangement-rca.aspx</loc>
    <lastmod>2009-11-18T03:03:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/retirement-income-fund.aspx</loc>
    <lastmod>2010-02-09T22:15:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/retiring-allowance-rollover.aspx</loc>
    <lastmod>2009-11-18T03:03:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/return-on-investment.aspx</loc>
    <lastmod>2010-02-09T23:15:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fund-of-funds.aspx</loc>
    <lastmod>2009-11-18T03:03:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fund-return.aspx</loc>
    <lastmod>2009-11-18T03:03:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/fund-type.aspx</loc>
    <lastmod>2009-11-18T03:03:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/future.aspx</loc>
    <lastmod>2009-11-18T03:03:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/future-income.aspx</loc>
    <lastmod>2009-11-18T03:03:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/retained-earnings.aspx</loc>
    <lastmod>2009-11-18T03:03:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/generally-accepted-accounting-principles-gaap.aspx</loc>
    <lastmod>2009-11-18T03:03:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/revenue.aspx</loc>
    <lastmod>2009-11-18T03:03:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/gift-tax.aspx</loc>
    <lastmod>2009-11-18T03:03:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/reverse-mortgage.aspx</loc>
    <lastmod>2009-11-18T03:03:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/right.aspx</loc>
    <lastmod>2009-11-18T03:03:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/global-and-foreign-funds.aspx</loc>
    <lastmod>2009-11-18T03:03:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/goods-and-services-tax-gst.aspx</loc>
    <lastmod>2009-11-18T03:03:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/group-insurance.aspx</loc>
    <lastmod>2009-11-18T03:03:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/group-registered-retirement-savings-plan-group-rrsp.aspx</loc>
    <lastmod>2010-02-09T23:17:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/right-of-survivorship.aspx</loc>
    <lastmod>2009-11-18T03:03:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/risk-tolerance.aspx</loc>
    <lastmod>2009-11-18T03:03:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/royalty-trust.aspx</loc>
    <lastmod>2009-11-18T03:03:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/rule-of-72.aspx</loc>
    <lastmod>2010-02-09T23:33:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/salary.aspx</loc>
    <lastmod>2009-11-18T03:03:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/sales-fees.aspx</loc>
    <lastmod>2009-11-18T03:03:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/gross-income.aspx</loc>
    <lastmod>2009-11-18T03:03:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/group-scholarship-plan.aspx</loc>
    <lastmod>2009-11-18T03:03:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/savings.aspx</loc>
    <lastmod>2009-11-18T03:03:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/savings-account.aspx</loc>
    <lastmod>2009-11-18T03:03:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/savings-bond.aspx</loc>
    <lastmod>2009-11-18T03:03:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/scam.aspx</loc>
    <lastmod>2010-02-09T23:38:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/scholarship-plan.aspx</loc>
    <lastmod>2009-11-18T03:03:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/scholarship-trust-company.aspx</loc>
    <lastmod>2009-11-18T03:03:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/secondary-market.aspx</loc>
    <lastmod>2009-11-18T03:03:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/sector.aspx</loc>
    <lastmod>2009-11-18T03:03:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/growth-funds.aspx</loc>
    <lastmod>2009-11-18T03:03:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/secured.aspx</loc>
    <lastmod>2009-11-18T03:03:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/securities-commission.aspx</loc>
    <lastmod>2009-11-18T03:03:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/security.aspx</loc>
    <lastmod>2009-11-18T03:03:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/segregated-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/self-directed-resp.aspx</loc>
    <lastmod>2010-02-09T23:40:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/self-directed-rrif.aspx</loc>
    <lastmod>2009-11-18T03:03:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/self-directed-rrsp.aspx</loc>
    <lastmod>2009-11-18T03:03:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/self-help-will-kit.aspx</loc>
    <lastmod>2009-11-18T03:03:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/self-regulatory-organization-sro.aspx</loc>
    <lastmod>2009-11-18T03:03:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/growth-rate.aspx</loc>
    <lastmod>2009-11-18T03:03:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guaranteed.aspx</loc>
    <lastmod>2010-02-09T23:44:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/share.aspx</loc>
    <lastmod>2010-02-09T23:46:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/share-certificate.aspx</loc>
    <lastmod>2009-11-18T03:03:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/growth-rate-per-year.aspx</loc>
    <lastmod>2009-11-18T03:03:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guaranteed-annuity.aspx</loc>
    <lastmod>2010-02-09T23:47:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guaranteed-income-supplement-gis.aspx</loc>
    <lastmod>2009-11-18T03:03:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guaranteed-interest-annuity-gia.aspx</loc>
    <lastmod>2009-11-18T03:03:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/guardian.aspx</loc>
    <lastmod>2009-11-18T03:03:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/hacker.aspx</loc>
    <lastmod>2009-11-18T03:03:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/health-insurance.aspx</loc>
    <lastmod>2009-11-18T03:03:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/service-fee.aspx</loc>
    <lastmod>2009-11-18T03:03:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/severance-pay.aspx</loc>
    <lastmod>2009-11-18T03:03:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/shareholder.aspx</loc>
    <lastmod>2009-11-18T03:03:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/hedge-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/heir.aspx</loc>
    <lastmod>2009-11-18T03:03:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/high-interest-savings-account.aspx</loc>
    <lastmod>2009-11-18T03:03:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/high-yield-bonds.aspx</loc>
    <lastmod>2009-11-18T03:03:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/holdings.aspx</loc>
    <lastmod>2009-11-18T03:03:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/home-insurance.aspx</loc>
    <lastmod>2009-11-18T03:03:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/hourly-wage.aspx</loc>
    <lastmod>2009-11-18T03:03:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/income-statement.aspx</loc>
    <lastmod>2009-11-18T03:03:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/sheltered.aspx</loc>
    <lastmod>2010-02-09T23:57:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/short-selling.aspx</loc>
    <lastmod>2010-02-09T23:59:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/income-tax.aspx</loc>
    <lastmod>2009-11-18T03:03:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/income-trust.aspx</loc>
    <lastmod>2010-02-10T00:00:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/index.aspx</loc>
    <lastmod>2009-11-18T03:03:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/index-bond.aspx</loc>
    <lastmod>2009-11-18T03:03:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/indexed-annuity.aspx</loc>
    <lastmod>2010-02-10T00:02:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/indexed-gic.aspx</loc>
    <lastmod>2009-11-18T03:03:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/index-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/small-cap.aspx</loc>
    <lastmod>2009-11-18T03:03:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/small-claims-court.aspx</loc>
    <lastmod>2009-11-18T03:03:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/social-insurance-number-sin.aspx</loc>
    <lastmod>2009-11-18T03:03:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/indexing.aspx</loc>
    <lastmod>2009-11-18T03:03:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/individual-pension-plan-ipp.aspx</loc>
    <lastmod>2009-11-18T03:03:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/individual-resp.aspx</loc>
    <lastmod>2009-11-18T03:03:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/inheritance.aspx</loc>
    <lastmod>2009-11-18T03:03:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/initial-public-offering-ipo.aspx</loc>
    <lastmod>2009-11-18T03:03:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/initial-sales-charge-isc.aspx</loc>
    <lastmod>2009-11-18T03:03:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/insider.aspx</loc>
    <lastmod>2009-11-18T03:03:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/sp-500-standard-and-poors-500-index.aspx</loc>
    <lastmod>2009-11-18T03:03:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/specialty-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/sp-tsx-composite-index.aspx</loc>
    <lastmod>2009-11-18T03:03:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/insurance-agent.aspx</loc>
    <lastmod>2010-02-10T00:04:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/insurance-broker.aspx</loc>
    <lastmod>2010-02-10T00:10:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/insurance-company.aspx</loc>
    <lastmod>2009-11-18T03:03:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/speculative.aspx</loc>
    <lastmod>2010-02-10T00:22:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/spousal-rrif.aspx</loc>
    <lastmod>2009-11-18T03:03:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/spousal-rrsp.aspx</loc>
    <lastmod>2009-11-18T03:03:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/spousal-support.aspx</loc>
    <lastmod>2009-11-18T03:03:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/spousal-trust.aspx</loc>
    <lastmod>2009-11-18T03:03:46.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stale-dated.aspx</loc>
    <lastmod>2009-11-18T03:03:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stockbroker.aspx</loc>
    <lastmod>2010-02-10T00:26:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/intestate.aspx</loc>
    <lastmod>2009-11-18T03:03:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/in-trust.aspx</loc>
    <lastmod>2010-02-10T00:30:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/invest.aspx</loc>
    <lastmod>2009-11-18T03:03:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment.aspx</loc>
    <lastmod>2009-11-18T03:03:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment-counsellor.aspx</loc>
    <lastmod>2009-11-18T03:03:49.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment-dealer.aspx</loc>
    <lastmod>2009-11-18T03:03:49.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-equity-fund.aspx</loc>
    <lastmod>2009-11-18T03:03:49.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-exchange.aspx</loc>
    <lastmod>2009-11-18T03:03:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stockholder.aspx</loc>
    <lastmod>2009-11-18T03:03:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-market.aspx</loc>
    <lastmod>2010-02-10T00:32:50.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment-funds-institute-of-canada-ific.aspx</loc>
    <lastmod>2009-11-18T03:03:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment-horizon.aspx</loc>
    <lastmod>2009-11-18T03:03:51.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/invoice.aspx</loc>
    <lastmod>2009-11-18T03:03:52.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/issuer.aspx</loc>
    <lastmod>2009-11-18T03:03:52.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/joint-account.aspx</loc>
    <lastmod>2009-11-18T03:03:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/joint-and-last-survivor-benefit.aspx</loc>
    <lastmod>2009-11-18T03:03:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/joint-life-insurance.aspx</loc>
    <lastmod>2009-11-18T03:03:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/junk-bond.aspx</loc>
    <lastmod>2009-11-18T03:03:53.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/key-person-life-insurance.aspx</loc>
    <lastmod>2010-02-10T00:34:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-market-index.aspx</loc>
    <lastmod>2009-11-18T03:03:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/labour-sponsored-investment-fund-lsif.aspx</loc>
    <lastmod>2009-11-18T03:03:55.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/laddering.aspx</loc>
    <lastmod>2010-02-10T00:35:54.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/large-cap-stock.aspx</loc>
    <lastmod>2009-11-18T03:03:55.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/lease.aspx</loc>
    <lastmod>2009-11-18T03:03:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/legal-aid.aspx</loc>
    <lastmod>2009-11-18T03:03:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-option.aspx</loc>
    <lastmod>2009-11-18T03:03:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-purchase-plan.aspx</loc>
    <lastmod>2009-11-18T03:03:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/stock-split.aspx</loc>
    <lastmod>2009-11-18T03:03:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/strip-bond.aspx</loc>
    <lastmod>2009-11-18T03:03:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/student-loan.aspx</loc>
    <lastmod>2009-11-18T03:03:58.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/lender.aspx</loc>
    <lastmod>2009-11-18T03:03:58.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/leverage.aspx</loc>
    <lastmod>2010-02-10T00:37:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/liability.aspx</loc>
    <lastmod>2009-11-18T03:03:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/licensed.aspx</loc>
    <lastmod>2009-11-18T03:03:59.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/life-annuity.aspx</loc>
    <lastmod>2010-02-10T00:38:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/life-income-fund-lif.aspx</loc>
    <lastmod>2009-11-18T03:04:00.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/succession-plan.aspx</loc>
    <lastmod>2009-11-18T03:04:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/successor-annuitant.aspx</loc>
    <lastmod>2009-11-18T03:04:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/symbol.aspx</loc>
    <lastmod>2009-11-18T03:04:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/systematic-withdrawal-plan-swp.aspx</loc>
    <lastmod>2009-11-18T03:04:02.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/life-insurance.aspx</loc>
    <lastmod>2010-02-10T00:41:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/limited-partnership.aspx</loc>
    <lastmod>2009-11-18T03:04:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/liquidity.aspx</loc>
    <lastmod>2009-11-18T03:04:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/living-trust.aspx</loc>
    <lastmod>2009-11-18T03:04:03.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/living-will.aspx</loc>
    <lastmod>2009-11-18T03:04:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/load.aspx</loc>
    <lastmod>2009-11-18T03:04:04.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/loan-insurance.aspx</loc>
    <lastmod>2009-11-18T03:04:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/taxable-income.aspx</loc>
    <lastmod>2009-11-18T03:04:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-break.aspx</loc>
    <lastmod>2009-11-18T03:04:05.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-credit.aspx</loc>
    <lastmod>2009-11-18T03:04:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/locked-in.aspx</loc>
    <lastmod>2010-02-10T00:42:47.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/locked-in-retirement-account-lira.aspx</loc>
    <lastmod>2010-02-10T00:43:56.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/locked-in-retirement-income-fund-lrif.aspx</loc>
    <lastmod>2010-02-10T00:45:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/locked-in-rrsp.aspx</loc>
    <lastmod>2009-11-18T03:04:07.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/long.aspx</loc>
    <lastmod>2009-11-18T03:04:07.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/long-term-care-insurance.aspx</loc>
    <lastmod>2010-02-10T00:46:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-deduction.aspx</loc>
    <lastmod>2009-11-18T03:04:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-free.aspx</loc>
    <lastmod>2009-11-18T03:04:08.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-rate.aspx</loc>
    <lastmod>2009-11-18T03:04:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tax-return.aspx</loc>
    <lastmod>2009-11-18T03:04:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/lost-profit-potential.aspx</loc>
    <lastmod>2009-11-18T03:04:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/lump-sum-payment.aspx</loc>
    <lastmod>2009-11-18T03:04:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/managed-resp.aspx</loc>
    <lastmod>2009-11-18T03:04:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/management-discussion-and-analysis-mda.aspx</loc>
    <lastmod>2009-11-18T03:04:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/management-fee.aspx</loc>
    <lastmod>2009-11-18T03:04:10.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/margin.aspx</loc>
    <lastmod>2009-11-18T03:04:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/margin-account.aspx</loc>
    <lastmod>2009-11-18T03:04:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/marginal-tax-rate.aspx</loc>
    <lastmod>2009-11-18T03:04:11.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/margin-call.aspx</loc>
    <lastmod>2009-11-18T03:04:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/market-index.aspx</loc>
    <lastmod>2009-11-18T03:04:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/market-linked.aspx</loc>
    <lastmod>2009-11-18T03:04:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/market-price.aspx</loc>
    <lastmod>2009-11-18T03:04:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/market-return.aspx</loc>
    <lastmod>2009-11-18T03:04:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/market-value.aspx</loc>
    <lastmod>2009-11-18T03:04:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/material-change.aspx</loc>
    <lastmod>2009-11-18T03:04:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/maternity-leave.aspx</loc>
    <lastmod>2009-11-18T03:04:13.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mature.aspx</loc>
    <lastmod>2009-11-18T03:04:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/maturity-date.aspx</loc>
    <lastmod>2009-11-18T03:04:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/maximum-loan-value.aspx</loc>
    <lastmod>2009-11-18T03:04:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mid-cap-stock.aspx</loc>
    <lastmod>2009-11-18T03:04:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/minimum-deposit.aspx</loc>
    <lastmod>2009-11-18T03:04:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/minimum-payment.aspx</loc>
    <lastmod>2009-11-18T03:04:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/telephone-banking.aspx</loc>
    <lastmod>2009-11-18T03:04:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/term.aspx</loc>
    <lastmod>2009-11-18T03:04:15.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/term-annuity.aspx</loc>
    <lastmod>2009-11-18T03:04:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/term-life-insurance-policy.aspx</loc>
    <lastmod>2010-02-10T00:47:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/term-loan.aspx</loc>
    <lastmod>2009-11-18T03:04:16.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/thinly-traded.aspx</loc>
    <lastmod>2009-11-18T03:04:17.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/ticker.aspx</loc>
    <lastmod>2009-11-18T03:04:17.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/time-and-a-half.aspx</loc>
    <lastmod>2009-11-18T03:04:17.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/time-horizon.aspx</loc>
    <lastmod>2010-02-10T00:48:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tip.aspx</loc>
    <lastmod>2009-11-18T03:04:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/title.aspx</loc>
    <lastmod>2009-11-18T03:04:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/toronto-stock-exchange-tsx.aspx</loc>
    <lastmod>2009-11-18T03:04:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trade.aspx</loc>
    <lastmod>2009-11-18T03:04:18.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trailer-fees.aspx</loc>
    <lastmod>2009-11-18T03:04:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/transaction.aspx</loc>
    <lastmod>2009-11-18T03:04:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/transaction-fee.aspx</loc>
    <lastmod>2009-11-18T03:04:19.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/travellers-cheque.aspx</loc>
    <lastmod>2009-11-18T03:04:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/treasury-bill-t-bill.aspx</loc>
    <lastmod>2009-11-18T03:04:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/minimum-wage.aspx</loc>
    <lastmod>2009-11-18T03:04:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/minimum-withdrawal.aspx</loc>
    <lastmod>2009-11-18T03:04:20.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/minting-mint.aspx</loc>
    <lastmod>2009-11-18T03:04:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/money-management.aspx</loc>
    <lastmod>2009-11-18T03:04:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trust.aspx</loc>
    <lastmod>2009-11-18T03:04:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trust-company.aspx</loc>
    <lastmod>2009-11-18T03:04:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/trust-units.aspx</loc>
    <lastmod>2009-11-18T03:04:21.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/tse-300.aspx</loc>
    <lastmod>2009-11-18T03:04:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/underwriter.aspx</loc>
    <lastmod>2009-11-18T03:04:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/unit.aspx</loc>
    <lastmod>2009-11-18T03:04:22.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/money-market.aspx</loc>
    <lastmod>2009-11-18T03:04:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/money-market-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/money-order.aspx</loc>
    <lastmod>2009-11-18T03:04:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mortgage-insurance.aspx</loc>
    <lastmod>2009-11-18T03:04:23.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mutual-fund-company.aspx</loc>
    <lastmod>2009-11-18T03:04:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mutual-fund-dealer.aspx</loc>
    <lastmod>2009-11-18T03:04:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mutual-fund-dealers-association-mfda.aspx</loc>
    <lastmod>2009-11-18T03:04:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/nasdaq.aspx</loc>
    <lastmod>2009-11-18T03:04:24.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/universal-life-insurance.aspx</loc>
    <lastmod>2010-02-10T00:49:57.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/vesting.aspx</loc>
    <lastmod>2009-11-18T03:04:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/national-child-benefit.aspx</loc>
    <lastmod>2009-11-18T03:04:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/needs.aspx</loc>
    <lastmod>2009-11-18T03:04:25.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/net-asset-value-nav.aspx</loc>
    <lastmod>2009-11-18T03:04:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/net-return.aspx</loc>
    <lastmod>2009-11-18T03:04:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/net-worth.aspx</loc>
    <lastmod>2009-11-18T03:04:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/new-york-stock-exchange-nyse.aspx</loc>
    <lastmod>2009-11-18T03:04:26.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/no-load-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/non-guaranteed.aspx</loc>
    <lastmod>2009-11-18T03:04:27.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/volatile.aspx</loc>
    <lastmod>2010-02-10T00:52:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/warrant.aspx</loc>
    <lastmod>2009-11-18T03:04:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/notes-to-financial-statements.aspx</loc>
    <lastmod>2009-11-18T03:04:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/not-sufficient-funds-nsf.aspx</loc>
    <lastmod>2009-11-18T03:04:28.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/offering-memorandum.aspx</loc>
    <lastmod>2009-11-18T03:04:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/ombudsman-for-banking-services-and-investments.aspx</loc>
    <lastmod>2009-11-18T03:04:29.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/online-banking.aspx</loc>
    <lastmod>2010-02-10T01:09:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/online-brokerage.aspx</loc>
    <lastmod>2010-02-10T01:14:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/open-ended-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:30.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/whole-life-insurance.aspx</loc>
    <lastmod>2010-02-10T01:17:12.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/will.aspx</loc>
    <lastmod>2009-11-18T03:04:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/withholding-tax.aspx</loc>
    <lastmod>2009-11-18T03:04:31.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/witness.aspx</loc>
    <lastmod>2009-11-18T03:04:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/workers-compensation.aspx</loc>
    <lastmod>2009-11-18T03:04:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/operating-line.aspx</loc>
    <lastmod>2009-11-18T03:04:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/operating-statement.aspx</loc>
    <lastmod>2009-11-18T03:04:32.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/option.aspx</loc>
    <lastmod>2009-11-18T03:04:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/other-fees.aspx</loc>
    <lastmod>2009-11-18T03:04:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/overdraft-protection.aspx</loc>
    <lastmod>2009-11-18T03:04:33.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/overtime.aspx</loc>
    <lastmod>2009-11-18T03:04:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/parental-leave.aspx</loc>
    <lastmod>2009-11-18T03:04:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/password.aspx</loc>
    <lastmod>2009-11-18T03:04:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/payday-loan.aspx</loc>
    <lastmod>2009-11-18T03:04:34.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/payroll-savings-program.aspx</loc>
    <lastmod>2009-11-18T03:04:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/wrap-account.aspx</loc>
    <lastmod>2009-11-18T03:04:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/yield.aspx</loc>
    <lastmod>2009-11-18T03:04:35.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/penny-stock.aspx</loc>
    <lastmod>2009-11-18T03:04:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pension-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/performance-ratios.aspx</loc>
    <lastmod>2009-11-18T03:04:36.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/permanent-life-insurance.aspx</loc>
    <lastmod>2010-02-10T01:21:09.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/personal-identification-number-pin.aspx</loc>
    <lastmod>2009-11-18T03:04:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/premium.aspx</loc>
    <lastmod>2009-11-18T03:04:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/present-value.aspx</loc>
    <lastmod>2009-11-18T03:04:37.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/price-to-earnings-ratio.aspx</loc>
    <lastmod>2010-02-10T01:23:48.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/primary-market.aspx</loc>
    <lastmod>2009-11-18T03:04:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/principal.aspx</loc>
    <lastmod>2009-11-18T03:04:38.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/principal-protected-note-ppn.aspx</loc>
    <lastmod>2009-11-18T03:04:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/yield-curve.aspx</loc>
    <lastmod>2009-11-18T03:04:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/estate-freeze.aspx</loc>
    <lastmod>2009-11-18T03:04:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/investment-industry-regulatory-organization-of-canada-iiroc.aspx</loc>
    <lastmod>2009-06-04T00:34:00.0000000-04:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/juvenile-life-insurance.aspx</loc>
    <lastmod>2009-11-18T03:04:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/mortgage-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/real-estate-investment-trust-reit.aspx</loc>
    <lastmod>2009-11-18T03:04:40.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/settlement-date.aspx</loc>
    <lastmod>2009-11-18T03:04:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/appraisal.aspx</loc>
    <lastmod>2009-11-18T03:04:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/appreciation.aspx</loc>
    <lastmod>2009-11-18T03:04:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/ontario-securities-commission-osc.aspx</loc>
    <lastmod>2009-11-18T03:04:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/permanent-whole-life-insurance.aspx</loc>
    <lastmod>2009-11-18T03:04:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/phishing.aspx</loc>
    <lastmod>2010-02-10T01:28:14.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/piecework.aspx</loc>
    <lastmod>2009-11-18T03:04:42.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/policy.aspx</loc>
    <lastmod>2009-11-18T03:04:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pooled-fund.aspx</loc>
    <lastmod>2009-11-18T03:04:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/portfolio-manager.aspx</loc>
    <lastmod>2009-11-18T03:04:43.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/power-of-attorney.aspx</loc>
    <lastmod>2009-11-18T03:04:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/pre-authorized-debit-pad.aspx</loc>
    <lastmod>2010-02-10T01:30:39.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/preferred-share.aspx</loc>
    <lastmod>2010-02-10T01:34:06.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/private-issuer.aspx</loc>
    <lastmod>2009-11-18T03:04:44.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/glossary/definition/Pages/private-issuer-exemption.aspx</loc>
    <lastmod>2009-11-18T03:04:45.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/questions-and-answers/Pages/default.aspx</loc>
    <lastmod>2010-01-28T22:39:01.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/Tip-of-the-Day/Pages/default.aspx</loc>
    <lastmod>2010-02-11T21:06:41.0000000-05:00</lastmod>
  </url>
  <url>
    <loc>http://www.getsmarteraboutmoney.ca/tools_and_calculators/videos/Pages/default.aspx</loc>
    <lastmod>2010-03-02T03:05:40.0000000-05:00</lastmod>
  </url>
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