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	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-when-searching-for-most-workers-head-online</loc>
		<lastmod>2008-08-19T12:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680560</loc>
		<lastmod>2008-08-20T14:10:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-or-can-you-counting-down-the-sweetest-hr-jobs</loc>
		<lastmod>2008-08-20T14:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-401-k-s-still-vital-to-retirement-cfos-say</loc>
		<lastmod>2008-08-20T17:49:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-parental-leave-legislation-freshens-debate</loc>
		<lastmod>2008-08-21T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/uh-its-the-irs-not-dol</loc>
		<lastmod>2008-08-22T12:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-development-is-actually-an-internal-revenue-s</loc>
		<lastmod>2008-08-22T12:32:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680556</loc>
		<lastmod>2008-08-22T12:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thanks-to-all-who-corrected-us-on-this-weve-fixe</loc>
		<lastmod>2008-08-22T12:35:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680555</loc>
		<lastmod>2008-08-22T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-benefits-of-a-recession</loc>
		<lastmod>2008-08-25T12:02:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680553</loc>
		<lastmod>2008-08-25T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680552</loc>
		<lastmod>2008-08-26T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-pet-care-a-valued-benefit</loc>
		<lastmod>2008-08-27T12:10:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-another-court-rules-in-favor-of-cash-balance-plans</loc>
		<lastmod>2008-08-27T15:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680549</loc>
		<lastmod>2008-08-27T15:43:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-at-least-an-ipod-comes-with-instructions</loc>
		<lastmod>2008-08-28T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680547</loc>
		<lastmod>2008-08-28T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680546</loc>
		<lastmod>2008-08-29T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-canat-use-workers-would-prefer-to-spend-day-off-with-obama-than-mccain</loc>
		<lastmod>2008-08-29T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/maybe-it-is-counterintuitive-but-the-data-has-vali</loc>
		<lastmod>2008-09-02T11:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-septembers-stupendous-podcasts</loc>
		<lastmod>2008-09-02T12:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680543</loc>
		<lastmod>2008-09-02T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680542</loc>
		<lastmod>2008-09-03T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/people-are-talkin-about-paid-sick-leave</loc>
		<lastmod>2008-09-03T14:22:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-benna-offers-past-is-prologue-look-at-the-401-k</loc>
		<lastmod>2008-09-03T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680539</loc>
		<lastmod>2008-09-04T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tweet-tweet-follow-us-on-twitter</loc>
		<lastmod>2008-09-04T13:27:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-intel-offers-homework-help-for-employees-kids</loc>
		<lastmod>2008-09-04T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-answers-to-your-burning-403-b-questions</loc>
		<lastmod>2008-09-04T18:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-i-left-my-car-in-san-francisco</loc>
		<lastmod>2008-09-05T12:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680534</loc>
		<lastmod>2008-09-05T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wow-you-go-cali-i-commute-to-dc-for-an-hour-each</loc>
		<lastmod>2008-09-05T16:40:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-former-eeoc-vice-chair-heads-to-proskauer-rose</loc>
		<lastmod>2008-09-05T16:44:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-palins-health-policy</loc>
		<lastmod>2008-09-05T16:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/quote-of-the-week-2680531</loc>
		<lastmod>2008-09-05T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680530</loc>
		<lastmod>2008-09-08T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ohio-backs-down-from-paid-sick-leave</loc>
		<lastmod>2008-09-08T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-used-to-be-in-hr-at-aol-and-they-offered-pet-ass</loc>
		<lastmod>2008-09-08T16:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-misery-index-up-so-keep-the-low-cost-benefits-coming</loc>
		<lastmod>2008-09-08T17:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680527</loc>
		<lastmod>2008-09-09T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-digging-up-dirt-on-candidates-youre-not-the-only-one</loc>
		<lastmod>2008-09-10T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-aarp-partners-with-disney</loc>
		<lastmod>2008-09-10T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680524</loc>
		<lastmod>2008-09-10T18:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-think-this-is-an-excellent-move-on-guardians-pa</loc>
		<lastmod>2008-09-11T13:03:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-guardian-looks-for-benefits-bounce-from-mia-hamm</loc>
		<lastmod>2008-09-11T13:05:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680522</loc>
		<lastmod>2008-09-11T17:04:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-who-would-you-ask-to-fund-your-health-care-expenses</loc>
		<lastmod>2008-09-11T17:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-reflecting-on-9-11</loc>
		<lastmod>2008-09-11T18:11:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/good-concise-article</loc>
		<lastmod>2008-09-12T12:37:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-forget-to-file-your-5500s</loc>
		<lastmod>2008-09-12T12:45:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-buck-mercer-disagree-on-2009-premium-raises</loc>
		<lastmod>2008-09-12T16:10:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-even-more-podcast-content-with-our-september-15-issue</loc>
		<lastmod>2008-09-15T11:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-these-the-employers-companies-whose-ceos-ar</loc>
		<lastmod>2008-09-15T11:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-s-you-can-use-want-a-bigger-salary-consider-it</loc>
		<lastmod>2008-09-15T11:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-on-site-health-clinics-are-a-hit-among-employees</loc>
		<lastmod>2008-09-15T16:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-breaking-the-salary-talk-taboo</loc>
		<lastmod>2008-09-16T05:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680513</loc>
		<lastmod>2008-09-16T15:02:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yes-salary-information-should-be-public-every-pub</loc>
		<lastmod>2008-09-16T22:04:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/pay-is-only-one-part-of-the-total-compensation-pic</loc>
		<lastmod>2008-09-16T22:04:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-trust-issues-limit-employeesa-hr-interactions-to-transactional</loc>
		<lastmod>2008-09-17T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680511</loc>
		<lastmod>2008-09-17T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-best-of-both-worlds-key-to-health-reform</loc>
		<lastmod>2008-09-17T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-working-conditions-affect-mental-state</loc>
		<lastmod>2008-09-17T14:03:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680508</loc>
		<lastmod>2008-09-18T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-blind-leading-the-blind-on-401-k-fees</loc>
		<lastmod>2008-09-18T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-easing-employeesa-market-jitters</loc>
		<lastmod>2008-09-18T14:50:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680505</loc>
		<lastmod>2008-09-19T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/my-generalists-always-used-to-complain-because-i-m</loc>
		<lastmod>2008-09-19T14:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-have-to-agree-with-your-article-as-a-former-vic</loc>
		<lastmod>2008-09-19T14:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-benefits-forum-expo</loc>
		<lastmod>2008-09-19T16:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/stay-tuned-for-live-coverage-of-the-benefits-forum-expo</loc>
		<lastmod>2008-09-20T14:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-free-clear</loc>
		<lastmod>2008-09-19T18:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/breaking-news</loc>
		<lastmod>2008-09-21T19:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-greys-anatomy-is-teaching-your-employees</loc>
		<lastmod>2008-09-22T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-kondracke-predicts-nov-win-for-obama</loc>
		<lastmod>2008-09-22T13:51:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-bfe-speakers-go-off-the-cuff</loc>
		<lastmod>2008-09-22T13:52:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-gradsa-salaries-spike-76</loc>
		<lastmod>2008-09-22T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680496</loc>
		<lastmod>2008-09-22T14:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-employers-snatching-low-hanging-fruit-in-health-care-reform-effort</loc>
		<lastmod>2008-09-22T14:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-fmla-advice-from-the-pros</loc>
		<lastmod>2008-09-22T16:42:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-other-words-put-thursday-night-on-your-calenda</loc>
		<lastmod>2008-09-22T19:12:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-bfe-words-of-wisdom</loc>
		<lastmod>2008-09-22T19:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-smaller-employers-share-what-works</loc>
		<lastmod>2008-09-23T14:10:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680490</loc>
		<lastmod>2008-09-23T14:16:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-private-citizenry-gives-gingrich-purple-appeal</loc>
		<lastmod>2008-09-23T14:39:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-bfe-attendees-voice-frustrations-solutions-regarding-employee-engagement</loc>
		<lastmod>2008-09-23T14:45:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-national-work-and-family-month-introduced-in-house</loc>
		<lastmod>2008-09-23T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-the-new-cdh-is-compliance-driven-health</loc>
		<lastmod>2008-09-23T19:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-disability-and-return-to-work</loc>
		<lastmod>2008-09-23T20:34:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-engage-new-hires-through-effective-onboarding</loc>
		<lastmod>2008-09-24T07:10:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-single-womenas-retirement-future-slipping-away</loc>
		<lastmod>2008-09-24T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-rx-home-delivery-shows-cost-savings-generic-uptick</loc>
		<lastmod>2008-09-24T12:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-harris-teeter-gets-tough-for-top-notch-benefit-communication</loc>
		<lastmod>2008-09-26T11:58:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680480</loc>
		<lastmod>2008-09-26T12:20:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-take-a-lunch-break-its-good-for-you</loc>
		<lastmod>2008-09-26T14:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-one-hsa-myth-debunked-survey-finds</loc>
		<lastmod>2008-09-29T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680477</loc>
		<lastmod>2008-09-29T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-dol-makes-delinquent-5500-filing-easier</loc>
		<lastmod>2008-09-30T13:25:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-improved-benefits-for-the-clergy-for-the-first-time-in-500-years</loc>
		<lastmod>2008-09-30T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-information-on-the-financial-crisis</loc>
		<lastmod>2008-10-01T12:26:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-what-about-my-money</loc>
		<lastmod>2008-10-01T13:21:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-open-enrollment-trends</loc>
		<lastmod>2008-10-01T13:57:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680471</loc>
		<lastmod>2008-10-01T13:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-supercharge-your-benefit-communications-during-oe</loc>
		<lastmod>2008-10-01T19:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-eco-friendly-hr</loc>
		<lastmod>2008-10-02T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-more-tips-for-talking-about-the-financial-chaos-with-workers</loc>
		<lastmod>2008-10-02T12:01:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-congress-holds-hearing-to-mandate-employers-maintain-retiree-benefits</loc>
		<lastmod>2008-10-02T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-diversity-programs-expanding</loc>
		<lastmod>2008-10-02T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kelley-thank-you-for-sharing-this-information-on-y</loc>
		<lastmod>2008-10-03T00:35:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-think-long-term-when-saving-for-retirement</loc>
		<lastmod>2008-10-03T11:58:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-you-can-use-health-care-quality-varies-widely-by-region</loc>
		<lastmod>2008-10-03T12:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-get-political-or-not</loc>
		<lastmod>2008-10-03T12:49:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-market-chaos-may-affect-womens-retirement-outlook</loc>
		<lastmod>2008-10-03T13:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-irs-modifies-409a</loc>
		<lastmod>2008-10-03T14:10:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cost-cutting-measures-for-benefit-plans</loc>
		<lastmod>2008-10-03T14:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-workers-crave-financial-advice</loc>
		<lastmod>2008-10-03T16:24:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-retiree-medical-and-erisa-updates</loc>
		<lastmod>2008-10-06T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680456</loc>
		<lastmod>2008-10-06T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-whats-what-in-the-october-issue</loc>
		<lastmod>2008-10-06T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-deserve-needs-based-selling-too</loc>
		<lastmod>2008-10-06T19:31:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-irs-guidances</loc>
		<lastmod>2008-10-07T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680452</loc>
		<lastmod>2008-10-07T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dispatch-from-canada-telecommuters-embrace-cafe-culture</loc>
		<lastmod>2008-10-07T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-more-americans-choose-not-to-retire</loc>
		<lastmod>2008-10-07T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-call-for-commuter-benefits</loc>
		<lastmod>2008-10-07T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-hr-benefits-pros-should-beware-getting-too-comfortable-about-succession-planning</loc>
		<lastmod>2008-10-08T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-credit-crunch-could-squeeze-benefits</loc>
		<lastmod>2008-10-08T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680446</loc>
		<lastmod>2008-10-08T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-election-2008-exclusive-coverage</loc>
		<lastmod>2008-10-08T17:51:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-wellness-in-any-economy</loc>
		<lastmod>2008-10-08T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-election-infocentral</loc>
		<lastmod>2008-10-09T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680442</loc>
		<lastmod>2008-10-09T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-retirement-plan-participation-rose-strongly-in-2007</loc>
		<lastmod>2008-10-09T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-premium-cost-control</loc>
		<lastmod>2008-10-09T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-new-tv-for-your-boomer-employees</loc>
		<lastmod>2008-10-10T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680438</loc>
		<lastmod>2008-10-10T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-operation-life-tranformed</loc>
		<lastmod>2008-10-10T15:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680436</loc>
		<lastmod>2008-10-13T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-national-boss-day-is-thursday</loc>
		<lastmod>2008-10-14T13:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-most-workers-dont-want-their-boss-job</loc>
		<lastmod>2008-10-14T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-the-copay-tipping-point</loc>
		<lastmod>2008-10-14T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-keep-those-gen-y-employees</loc>
		<lastmod>2008-10-14T18:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employees-need-reassurance-too-2680430</loc>
		<lastmod>2008-10-15T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680429</loc>
		<lastmod>2008-10-15T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-battling-brain-drain</loc>
		<lastmod>2008-10-15T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-for-employees-how-to-communicate-better-with-your-boss</loc>
		<lastmod>2008-10-16T11:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-jealous-of-a-work-spouse-its-true</loc>
		<lastmod>2008-10-16T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-keep-global-employees-engaged</loc>
		<lastmod>2008-10-16T18:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employees-hopping-on-the-wellness-bandwagon</loc>
		<lastmod>2008-10-17T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680423</loc>
		<lastmod>2008-10-17T14:57:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-dol-says-returns-trump-responsibility-in-pensions</loc>
		<lastmod>2008-10-17T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-cfos-most-concerned-about-benefits</loc>
		<lastmod>2008-10-17T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-save-for-retirement-week-is-here</loc>
		<lastmod>2008-10-20T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680419</loc>
		<lastmod>2008-10-20T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-say-ahh-and-let-the-economy-soothe-you</loc>
		<lastmod>2008-10-20T15:36:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-got-a-wellness-question-weve-got-an-answer</loc>
		<lastmod>2008-10-21T11:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-401-k-changes-aacomina</loc>
		<lastmod>2008-10-21T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680415</loc>
		<lastmod>2008-10-21T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-hr-benefit-managers-must-stand-up-against-benefit-cuts-in-face-of-economic-crisis</loc>
		<lastmod>2008-10-22T10:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-the-difference-two-years-makes</loc>
		<lastmod>2008-10-22T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680412</loc>
		<lastmod>2008-10-22T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-uninsured-population-drops-how-to-continue-the-trend</loc>
		<lastmod>2008-10-23T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680410</loc>
		<lastmod>2008-10-23T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-workers-concerned-about-finances-but-sticking-to-their-financial-strategies</loc>
		<lastmod>2008-10-23T16:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-wellness-101</loc>
		<lastmod>2008-10-23T16:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-maternity-program-yields-healthy-savings-and-healthy-babies</loc>
		<lastmod>2008-10-24T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-am-skeptical-of-massachusetts-results-as-report</loc>
		<lastmod>2008-10-24T13:23:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680406</loc>
		<lastmod>2008-10-24T15:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-sick-or-hooky</loc>
		<lastmod>2008-10-24T16:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-concierge-benefits-for-small-employers</loc>
		<lastmod>2008-10-24T16:22:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680403</loc>
		<lastmod>2008-10-27T15:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-e-mail-addiction</loc>
		<lastmod>2008-10-27T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-warn-your-employees</loc>
		<lastmod>2008-10-27T16:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/well-well-well</loc>
		<lastmod>2008-10-28T10:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-how-to-save-an-hour</loc>
		<lastmod>2008-10-28T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-number-of-expats-doubles</loc>
		<lastmod>2008-10-28T15:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-guardian-partners-with-mia-hamm-to-make-benefits-cool</loc>
		<lastmod>2008-10-28T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-benefit-managers-rock-the-vote</loc>
		<lastmod>2008-10-29T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-voters-speak-out-on-work-life</loc>
		<lastmod>2008-10-29T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680395</loc>
		<lastmod>2008-10-29T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-beware-letting-employees-wear-costumes-to-work</loc>
		<lastmod>2008-10-29T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-cant-use-will-lick-boots-to-prevent-getting-the-boot</loc>
		<lastmod>2008-10-30T12:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680392</loc>
		<lastmod>2008-10-30T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-gm-scraps-401-k-match-others-likely-to-follow</loc>
		<lastmod>2008-10-30T16:15:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-mass-employers-employees-rate-year-one-of-health-reform</loc>
		<lastmod>2008-10-31T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/we-should-not-be-worried-about-john-mccains-recom</loc>
		<lastmod>2008-10-31T13:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-thought-mccain-wanted-to-give-a-tax-credit-i-kn</loc>
		<lastmod>2008-10-31T13:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680389</loc>
		<lastmod>2008-10-31T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-final-regs-on-distributions-to-nonspouses</loc>
		<lastmod>2008-10-31T17:06:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-november-issue-highlights</loc>
		<lastmod>2008-11-03T15:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/people-need-to-read-the-candidates-positions-more</loc>
		<lastmod>2008-11-03T15:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mccains-health-plan-taxes-employer-provided-healt</loc>
		<lastmod>2008-11-03T15:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680386</loc>
		<lastmod>2008-11-03T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-small-businesses-crave-open-enrollment-advice</loc>
		<lastmod>2008-11-03T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-bikers-need-benefits-too</loc>
		<lastmod>2008-11-03T19:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-absent-employees-cost-companies-more-than-one-third-of-payroll-each-year</loc>
		<lastmod>2008-11-04T15:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680382</loc>
		<lastmod>2008-11-04T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-at-retiree-health-now-and-in-the-future</loc>
		<lastmod>2008-11-04T18:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-y-because-were-still-calculating</loc>
		<lastmod>2008-11-04T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-latest-eci-numbers-released</loc>
		<lastmod>2008-11-05T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scone-congratulations-president-elect-obama</loc>
		<lastmod>2008-11-05T14:06:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-energy-and-cost-saving-tips-for-the-office</loc>
		<lastmod>2008-11-05T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/quotable-look-smart-recruiters</loc>
		<lastmod>2008-11-05T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-go-green-reduce-sick-days</loc>
		<lastmod>2008-11-06T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-presidential-preferences</loc>
		<lastmod>2008-11-06T15:19:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680373</loc>
		<lastmod>2008-11-06T17:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-your-medical-tourism-travel-agent</loc>
		<lastmod>2008-11-06T19:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-losing-sleep-over-the-economy</loc>
		<lastmod>2008-11-07T14:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/i-think-we-should-be-very-concerned-about-any-kind</loc>
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		<lastmod>2008-11-12T21:36:17+00:00</lastmod>
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		<lastmod>2008-11-13T14:00:01+00:00</lastmod>
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		<lastmod>2008-11-20T14:00:00+00:00</lastmod>
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		<lastmod>2008-11-20T15:24:19+00:00</lastmod>
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		<lastmod>2008-11-20T19:03:00+00:00</lastmod>
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		<lastmod>2008-11-20T21:36:54+00:00</lastmod>
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		<lastmod>2008-11-20T21:36:54+00:00</lastmod>
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		<lastmod>2008-11-20T21:36:54+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-medicare-to-stop-covering-weight-loss-surgery-for-diabetics</loc>
		<lastmod>2008-11-21T14:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/why-the-w2-yes-its-a-summary-of-taxable-wages</loc>
		<lastmod>2008-11-21T14:54:55+00:00</lastmod>
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		<lastmod>2008-11-21T14:54:55+00:00</lastmod>
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		<lastmod>2008-11-21T14:54:55+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/i-think-the-government-should-stop-and-think-about</loc>
		<lastmod>2008-11-21T14:54:55+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/i-agree-to-an-extent-that-it-would-actually-disclo</loc>
		<lastmod>2008-11-21T14:54:55+00:00</lastmod>
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		<lastmod>2008-11-21T16:39:06+00:00</lastmod>
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		<lastmod>2008-11-21T17:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-president-elect-sets-ambitious-work-life-agenda</loc>
		<lastmod>2008-11-21T19:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/thsi-is-not-the-way-to-create-better-consumers-it</loc>
		<lastmod>2008-11-24T13:59:58+00:00</lastmod>
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		<lastmod>2008-11-24T14:00:00+00:00</lastmod>
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		<lastmod>2008-11-24T17:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-congrats-youre-recession-proof</loc>
		<lastmod>2008-11-24T19:00:01+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-average-deductible-tops-1-000</loc>
		<lastmod>2008-11-25T14:00:00+00:00</lastmod>
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		<lastmod>2008-11-25T17:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/overheard-at-great-communication-is-simple-in-theory</loc>
		<lastmod>2008-11-25T18:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-does-where-you-live-affect-your-retirement-plan-participation</loc>
		<lastmod>2008-11-26T14:00:01+00:00</lastmod>
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		<lastmod>2008-11-26T17:41:09+00:00</lastmod>
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		<lastmod>2008-11-26T18:00:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-what-sets-your-gen-x-and-gen-y-employees-a-twitter</loc>
		<lastmod>2008-12-01T14:00:00+00:00</lastmod>
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		<lastmod>2008-12-01T17:00:00+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-but-dont-want-to-hear-pensions-at-largest-companies-post-record-losses</loc>
		<lastmod>2008-12-15T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680297</loc>
		<lastmod>2008-12-15T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-an-insiders-take-on-making-working-mothers-best-companies-list</loc>
		<lastmod>2008-12-15T20:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/stress-needs-to-be-dealt-with-the-employees-who</loc>
		<lastmod>2008-12-15T21:47:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-retirement-plan-sponsors-consider-new-strategies</loc>
		<lastmod>2008-12-16T14:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-2680293</loc>
		<lastmod>2008-12-16T17:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-merrymaking-seems-recession-proof</loc>
		<lastmod>2008-12-16T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-lowdown-on-the-mental-health-parity-law</loc>
		<lastmod>2008-12-16T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-move-away-from-company-stock</loc>
		<lastmod>2008-12-17T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-a-handle-on-preventing-corporate-theft</loc>
		<lastmod>2008-12-17T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-dont-be-socially-awkward</loc>
		<lastmod>2008-12-17T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-us-offers-lowest-severance-worldwide</loc>
		<lastmod>2008-12-18T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-measure-your-disease-management-provider-satisfaction</loc>
		<lastmod>2008-12-18T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-shrms-schramm-forecasts-2009-trends</loc>
		<lastmod>2008-12-18T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-put-skilled-talent-on-holiday-wish-lists</loc>
		<lastmod>2008-12-19T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-hate-to-say-it-but-this-is-part-and-parcel-of-a</loc>
		<lastmod>2008-12-19T16:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/does-the-survey-describe-what-is-included-in-the-s</loc>
		<lastmod>2008-12-19T16:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-do-the-unemployment-rates-compare-to-the-us</loc>
		<lastmod>2008-12-19T16:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/you-know-the-survey-doesnt-compare-unemployment</loc>
		<lastmod>2008-12-19T16:24:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-taps-solis-to-lead-dol</loc>
		<lastmod>2008-12-19T16:51:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-do-due-diligence-on-outsourcing-locations</loc>
		<lastmod>2008-12-19T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-make-your-company-stand-out-to-new-grads</loc>
		<lastmod>2008-12-19T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/programming-note-daily-diversion-takes-holiday-hiatus</loc>
		<lastmod>2008-12-22T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-make-revamping-reitree-medical-a-resolution-for-2009</loc>
		<lastmod>2008-12-29T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/unemployment-statistics-are-irrelevant-as-kelley-b</loc>
		<lastmod>2008-12-29T15:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-recently-came-across-your-blog-and-have-been-rea-2680803</loc>
		<lastmod>2008-12-29T15:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thanks-for-reading-and-for-the-compliments-susan</loc>
		<lastmod>2008-12-29T15:42:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-those-ssns-to-cms</loc>
		<lastmod>2008-12-29T17:24:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-recession-to-affect-workers-more-deeply</loc>
		<lastmod>2008-12-30T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-smart-new-years-resolutions</loc>
		<lastmod>2008-12-30T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-specialty-drugs-driving-rx-cost-increases</loc>
		<lastmod>2008-12-31T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-pass-along-fidelitys-retirement-resolutions</loc>
		<lastmod>2008-12-31T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-hr-pros-play-futurist</loc>
		<lastmod>2009-01-02T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-step-up-to-the-plate</loc>
		<lastmod>2009-01-02T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/long-term-care-doubles-in-popularity-over-past-decade</loc>
		<lastmod>2009-01-02T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-have-meeting-wont-travel</loc>
		<lastmod>2009-01-05T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-send-in-your-speaker-proposals-for-bfe-09</loc>
		<lastmod>2009-01-05T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-latest-in-dm-stats</loc>
		<lastmod>2009-01-05T20:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-bna-launches-new-online-information-hub</loc>
		<lastmod>2009-01-06T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-share-your-views-experiences-with-cdh</loc>
		<lastmod>2009-01-06T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/great-tips-ill-definitely-be-using-these</loc>
		<lastmod>2009-01-06T18:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hmmm-i-guess-i-should-log-off-now-and-go-back-to</loc>
		<lastmod>2009-01-06T18:00:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/home-computers-are-definitely-a-necessity-in-this</loc>
		<lastmod>2009-01-06T18:00:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-make-your-communication-program-recession-proof</loc>
		<lastmod>2009-01-06T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ltd-appeal-goes-against-unum</loc>
		<lastmod>2009-01-07T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-help-your-employees-keep-their-new-years-resolutions</loc>
		<lastmod>2009-01-07T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employees-resolve-to-have-better-work-life-balance</loc>
		<lastmod>2009-01-07T18:47:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-youre-damned-if-you-do-and-damned-if-you-dont-on-health-reform-cbo-reports</loc>
		<lastmod>2009-01-08T14:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-wonder-if-the-reason-that-people-who-are-older-a</loc>
		<lastmod>2009-01-08T14:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/goodness-i-hope-not-id-like-to-think-were-all</loc>
		<lastmod>2009-01-08T14:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-white-knuckle-your-401-k-match</loc>
		<lastmod>2009-01-08T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-to-form-taskforce-for-working-families</loc>
		<lastmod>2009-01-09T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-consider-making-every-day-bring-your-child-to-work-day</loc>
		<lastmod>2009-01-09T17:00:00+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/im-no-expert-or-genius-i-have-only-a-few-though</loc>
		<lastmod>2009-01-12T15:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-am-working-with-a-local-md-who-runs-a-free-clini</loc>
		<lastmod>2009-01-12T15:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-efforts-are-being-made-in-terms-of-tackling-w</loc>
		<lastmod>2009-01-12T15:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thanks-for-the-comments-all-i-agree-with-jeff-th</loc>
		<lastmod>2009-01-12T15:32:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-a-grip-on-absenteeism-reasons-costs</loc>
		<lastmod>2009-01-12T17:53:30+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-govt-may-subsidize-cobra</loc>
		<lastmod>2009-01-12T19:00:51+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-when-it-comes-to-wellness-employees-say-out-of-site-out-of-mind</loc>
		<lastmod>2009-01-13T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-read-abcs-cure-for-what-ails-ya</loc>
		<lastmod>2009-01-13T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/great-point-we-are-constantly-reviewing-data-on</loc>
		<lastmod>2009-01-14T14:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-kentucky-bank-bucks-trend-increases-401-k-match</loc>
		<lastmod>2009-01-14T14:39:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-maintain-that-dental-plan</loc>
		<lastmod>2009-01-14T19:29:40+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/401k-debit-cards-are-a-bad-idea-plain-and-simple</loc>
		<lastmod>2009-01-15T13:57:42+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-nbgh-pushes-for-spending-on-health-it-cobra-subsidies</loc>
		<lastmod>2009-01-15T14:00:00+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-join-the-debate-on-autism-coverage</loc>
		<lastmod>2009-01-15T17:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-pbgc-assesses-db-plan-terminations</loc>
		<lastmod>2009-01-16T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/it-is-not-the-govts-responsibility-to-insure-we</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-have-no-idea-what-the-long-term-ramifications-wo</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/absolutely-cobra-prices-are-exhorbitant</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/i-think-it-might-be-a-good-option-for-people-who-a</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/i-have-mixed-feelings-having-no-health-insurance</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-the-government-subsidizes-cobra-the-subsidy-sh</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/it-sure-sounds-nice-to-say-but-the-cost-would-be</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/on-the-surface-this-seems-like-something-that-migh</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/while-we-strongly-simpathize-with-the-plight-of-th</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/it-sounds-like-it-would-be-another-bit-of-help-to</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/i-think-it-might-be-easier-to-just-have-a-credit-o</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/you-cant-be-seriousits-not-the-cost-of-cobra</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/i-find-it-interesting-that-insurance-is-too-expens</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/absolutely-not-i-have-empathy-for-persons-that-a</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/not-only-should-the-government-subsidize-cobra-bu</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/who-will-pay-the-50-to-60-the-employer-me-and</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/be-prepared-this-will-be-the-first-step-towards-g</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yes-i-think-the-government-should-help-subsidize</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/yes-when-you-compare-the-cost-of-other-health-car</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/excellent-idea-the-subsidy-should-be-for-a-perio</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/it-might-not-be-a-bad-idea-but-about-the-dependant</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-state-of-new-york-runs-a-subsidy-program-for-e</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/no-life-is-sometimes-expensive-they-can-get-an</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/being-a-group-insurance-broker-for-the-past-20-ye</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/instead-of-new-entitlements-admin-costs-expand</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cobra-is-often-double-the-cost-of-individual-cover</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/of-course-when-you-lose-your-job-whether-suddenly</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/its-a-nice-thought-but-another-step-on-the-slipp</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sounds-good-too-me-but-maybe-should-be-based-on</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nowe-do-not-need-additional-federal-government</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-is-a-tough-issue-on-one-hand-employees-who</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-happens-all-the-time-i-used-to-participate</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/absolutely-not-i-have-empathy-for-persons-that-a</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/who-will-pay-the-50-to-60-the-employer-me-and</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/instead-of-new-entitlements-admin-costs-expand</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yes-i-think-the-government-should-help-subsidize</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-think-it-might-be-a-good-option-for-people-who-a</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/of-course-when-you-lose-your-job-whether-suddenly</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/excellent-idea-the-subsidy-should-be-for-a-perio</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-we-had-universal-health-care-provisions-this-w</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-have-no-idea-what-the-long-term-ramifications-wo</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-not-were-subsidizing-everything-else-except</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/no-we-are-headed-toward-socialized-medicine-inch</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cobra-is-often-double-the-cost-of-individual-cover</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/no-life-is-sometimes-expensive-they-can-get-an</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/its-about-time-that-somebody-recognized-that-a-pe</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sounds-good-too-me-but-maybe-should-be-based-on</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/being-a-group-insurance-broker-for-the-past-20-ye</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/on-the-surface-this-seems-like-something-that-migh</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nowe-do-not-need-additional-federal-government</loc>
		<lastmod>2009-01-16T16:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-50-60-subsidy-would-be-great-id-pay-less-tha</loc>
		<lastmod>2009-01-16T16:42:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/unbelievable-thank-you-for-the-insightful-comment</loc>
		<lastmod>2009-01-16T16:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wow-quite-a-debate-we-have-going-here-thanks-to</loc>
		<lastmod>2009-01-16T16:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-answer-the-call-to-service</loc>
		<lastmod>2009-01-16T18:52:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-logan-employees-use-vacation-days-as-currency</loc>
		<lastmod>2009-01-19T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-lawyer-up</loc>
		<lastmod>2009-01-19T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-even-with-pension-relief-plan-sponsors-come-up-short</loc>
		<lastmod>2009-01-20T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-ready-to-issue-creditable-coverage-notices</loc>
		<lastmod>2009-01-20T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-your-ci-questions-answered</loc>
		<lastmod>2009-01-21T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-let-your-retirement-plan-get-madoffd</loc>
		<lastmod>2009-01-21T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-think-the-employer-should-be-made-to-subsidize-t</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/for-a-typical-family-in-my-neck-of-the-woods-cobra</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/an-individual-might-be-thinking-they-cant-afford</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wake-up-people-who-do-you-think-the-government-i</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/there-are-many-selfish-bloggers-on-this-topic-i-h</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-government-is-going-to-get-involved-i-would-li</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/healthcare-issues-always-create-a-stimulating-conv</loc>
		<lastmod>2009-01-22T13:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-hr-pay-data-revealed</loc>
		<lastmod>2009-01-22T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-throw-your-hat-in-the-ring-to-be-ebns-newest-columnist</loc>
		<lastmod>2009-01-22T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-learn-to-spot-pbm-audit-pitfalls</loc>
		<lastmod>2009-01-23T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-everybody-grab-a-partner</loc>
		<lastmod>2009-01-23T21:34:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-in-recession-employees-prioritize-steady-paycheck-over-advancement</loc>
		<lastmod>2009-01-26T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-close-the-engagement-gap</loc>
		<lastmod>2009-01-26T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-wanted-snake-charmers-less-than-1-in-10-opt-for-cobra</loc>
		<lastmod>2009-01-27T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-mark-your-erisa-compliance-calendar</loc>
		<lastmod>2009-01-27T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-hospital-utilization-down</loc>
		<lastmod>2009-01-28T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-remember-dependents-may-need-dm-too</loc>
		<lastmod>2009-01-28T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/majority-of-employees-sacrifice-retirement-for-health-care-benefits</loc>
		<lastmod>2009-01-28T17:28:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-signs-fair-pay-law</loc>
		<lastmod>2009-01-29T15:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-womens-groups-respond-to-lilly-ledbetter-act-signing</loc>
		<lastmod>2009-01-29T18:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-knowledge-is-power-and-satisfaction</loc>
		<lastmod>2009-01-30T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-engage-not-enrage-employees-during-diversity-training</loc>
		<lastmod>2009-01-30T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-is-long-overdue-but-im-not-sure-its-going</loc>
		<lastmod>2009-02-02T15:10:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-ackley-advises-how-to-take-the-bite-out-of-bad-news</loc>
		<lastmod>2009-02-02T15:11:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-follow-seven-steps-to-merger-success</loc>
		<lastmod>2009-02-02T19:07:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-e-verify-on-hold</loc>
		<lastmod>2009-02-03T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-your-eap-more-than-just-three-letters</loc>
		<lastmod>2009-02-03T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-target-date-funds-falter</loc>
		<lastmod>2009-02-04T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-heard-at-a-conference-last-week-that-employers-h</loc>
		<lastmod>2009-02-04T14:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/interesting-that-puts-yet-another-twist-in-this</loc>
		<lastmod>2009-02-04T14:19:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-does-daschle-withdrawal-hurt-the-chances-for-health-care-reform</loc>
		<lastmod>2009-02-04T14:33:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-five-401-k-fixes</loc>
		<lastmod>2009-02-04T17:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-retail-clinics-appeal-to-younger-families</loc>
		<lastmod>2009-02-05T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-sure-employees-update-their-beneficiaries</loc>
		<lastmod>2009-02-05T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-fortune-names-2009-best-list</loc>
		<lastmod>2009-02-06T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employed-caregivers-also-need-help-coping-with-eld</loc>
		<lastmod>2009-02-06T17:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/whats-sadder-is-how-insurance-companies-hold-it-a</loc>
		<lastmod>2009-02-06T17:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-article-says-for-employees-a-workplace-emp</loc>
		<lastmod>2009-02-06T17:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-let-employee-engagement-decline-along-with-the-economy</loc>
		<lastmod>2009-02-06T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-dont-miss-your-chance-to-be-a-shrm-fellow</loc>
		<lastmod>2009-02-09T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-2009-the-year-of-the-leader</loc>
		<lastmod>2009-02-09T17:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-be-true-to-your-heart</loc>
		<lastmod>2009-02-10T14:29:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-prepare-for-new-chip-requirements</loc>
		<lastmod>2009-02-10T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-as-costs-increase-dental-utilization-decreases</loc>
		<lastmod>2009-02-11T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-rif-on-the-side-of-caution-conduct-layoff-audits</loc>
		<lastmod>2009-02-11T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-workers-fear-losing-retirement-savings</loc>
		<lastmod>2009-02-12T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-size-matters-when-it-comes-to-gasb-45-compliance</loc>
		<lastmod>2009-02-12T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-benefits-attorney-opposes-exec-pay-cap</loc>
		<lastmod>2009-02-13T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-that-executive-compensation-should-be-capp</loc>
		<lastmod>2009-02-13T17:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/we-all-know-the-1-reason-reagans-handlers-pushed</loc>
		<lastmod>2009-02-13T17:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-take-some-time-to-enjoy-the-view</loc>
		<lastmod>2009-02-13T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-recession-brings-back-that-loving-feeling</loc>
		<lastmod>2009-02-13T19:08:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-stimulus-expands-cobra</loc>
		<lastmod>2009-02-17T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-folks-at-eba-started-a-new-blog</loc>
		<lastmod>2009-02-17T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-read-watch-iousa</loc>
		<lastmod>2009-02-17T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/congratulations-to-robert-or-elizabeth-on-starti</loc>
		<lastmod>2009-02-17T20:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-pension-funding-remains-low</loc>
		<lastmod>2009-02-18T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-click-below-for-free-stuff</loc>
		<lastmod>2009-02-18T18:00:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-new-grads-will-work-for-well-work</loc>
		<lastmod>2009-02-19T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-check-out-hhss-new-hipaa-site</loc>
		<lastmod>2009-02-19T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-that-all-corp-execs-should-be-capped-but</loc>
		<lastmod>2009-02-20T01:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/talented-financial-executivesis-the-operative-word</loc>
		<lastmod>2009-02-20T01:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/because-these-institutions-needed-to-be-bailed-out</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/their-talents-cant-be-that-great-if-they-got-thei</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/im-not-so-much-in-favor-of-capping-executive-comp</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/these-greedy-executives-ran-their-companies-into-b</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-disagree-that-there-will-or-may-be-an-exodus-of</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-much-talent-does-it-take-to-bring-an-entire-in</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-with-the-500-000-cap-on-executive-pay-th</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/level-the-playing-field-where-are-you-from-ru</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/im-not-so-much-in-favor-of-capping-executive-comp</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/these-greedy-executives-ran-their-companies-into-b</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-not-a-salary-cap-how-does-mr-rayner-suggest-w</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/their-talents-cant-be-that-great-if-they-got-thei</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-much-talent-does-it-take-to-bring-an-entire-in</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/because-these-institutions-needed-to-be-bailed-out</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mr-rayners-concern-that-the-us-financial-indus</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-with-the-pay-caps-for-those-companies-bein</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-with-the-pay-cap-if-the-current-executiv</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/putting-in-temporary-measures-due-to-the-unique-ec</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-foreigners-are-in-worse-shape-than-we-are-he</loc>
		<lastmod>2009-02-20T01:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/great-comments-everyone-thanks-for-all-of-your-fe</loc>
		<lastmod>2009-02-20T01:08:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-sens-not-giving-up-on-fee-disclosure</loc>
		<lastmod>2009-02-20T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cash-is-the-biggest-carrot</loc>
		<lastmod>2009-02-20T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/while-an-across-the-board-pay-cap-may-not-be-the-i</loc>
		<lastmod>2009-02-21T22:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-individuals-that-would-be-subject-to-the-cap-a</loc>
		<lastmod>2009-02-21T22:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-does-coordination-of-care-work</loc>
		<lastmod>2009-02-23T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-find-just-the-right-touch</loc>
		<lastmod>2009-02-23T18:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-agree-with-t-who-is-the-government-or-anyone</loc>
		<lastmod>2009-02-24T01:40:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-kraft-rebrands-puts-more-emphasis-on-values</loc>
		<lastmod>2009-02-24T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-up-to-speed-on-the-costs-and-consequences-of-binge-eating</loc>
		<lastmod>2009-02-24T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-looking-out-for-the-little-guy</loc>
		<lastmod>2009-02-25T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/companies-are-already-switching-to-less-costlier</loc>
		<lastmod>2009-02-25T16:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/it-is-the-responsibility-of-shareholders-and-the-b</loc>
		<lastmod>2009-02-25T16:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-health-care-reform-awill-not-wait-another-yeara</loc>
		<lastmod>2009-02-25T16:53:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-db-sponsors-go-to-plan-b</loc>
		<lastmod>2009-02-25T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-delta-dental-is-no-1</loc>
		<lastmod>2009-02-26T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-budget-puts-634b-down-payment-on-health-care-reform</loc>
		<lastmod>2009-02-26T15:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-budget-also-would-mandate-auto-enrollment-expand-savers-credit</loc>
		<lastmod>2009-02-26T17:55:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-submit-your-health-care-vision</loc>
		<lastmod>2009-02-26T18:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-health-care-stakeholders-comment-on-obama-budget</loc>
		<lastmod>2009-02-26T20:08:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-i-tweet-therefore-i-am</loc>
		<lastmod>2009-02-27T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/theres-nothing-to-comment-on-except-to-say-that</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-think-this-approach-is-wrongheaded-on-every-poin</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/so-first-he-punishes-those-who-extra-hard-to-earn</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/socialism-purely-and-simply</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-only-way-to-achieve-universal-coverage-is-via</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-do-not-think-the-the-term-universal-healthcare</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/isnt-it-true-that-the-statistics-about-the-uninsu</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-first-step-in-the-right-direction-however-the</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/first-of-all-i-dont-believe-in-insuring-all-amer</loc>
		<lastmod>2009-02-27T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-prepare-quickly-for-cobra-changes</loc>
		<lastmod>2009-02-27T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/look-for-a-legal-analysis-on-the-new-cobra-require</loc>
		<lastmod>2009-02-28T14:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/taxing-the-rich-at-100-wont-pay-for-obamas-budg</loc>
		<lastmod>2009-02-28T14:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/as-a-canadian-who-became-a-us-citizen-i-know-how</loc>
		<lastmod>2009-02-28T14:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-offer-good-news-bad-news-on-the-recession</loc>
		<lastmod>2009-03-02T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-your-403-b-untangled</loc>
		<lastmod>2009-03-02T18:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-psst-beware-disgruntled-employees-can-telonu</loc>
		<lastmod>2009-03-03T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/with-the-stimulus-package-recently-enacted-and-su</loc>
		<lastmod>2009-03-03T15:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thanks-so-much-for-sharing-news-of-our-latest-rese</loc>
		<lastmod>2009-03-03T15:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-is-sebelius-a-good-pick-to-lead-hhs</loc>
		<lastmod>2009-03-03T15:48:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-maintain-your-business-hygiene</loc>
		<lastmod>2009-03-03T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-i-regret-enrolling-in-an-hsa</loc>
		<lastmod>2009-03-04T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-be-careful-mixing-job-benefits-terminations</loc>
		<lastmod>2009-03-04T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-medical-tourism-association-is-giving-away-a-free-trip-to-mexico</loc>
		<lastmod>2009-03-04T18:25:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-see-the-new-irs-info-on-claiming-the-cobra-subsidy</loc>
		<lastmod>2009-03-05T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/while-i-agree-there-should-be-regulations-regardin</loc>
		<lastmod>2009-03-05T18:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-actually-made-a-post-about-the-issue-and-my-feel</loc>
		<lastmod>2009-03-05T18:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/caps-are-a-misguided-attempt-to-ensure-accountabil</loc>
		<lastmod>2009-03-05T18:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-kohl-calls-for-increased-scrutiny-of-target-date-funds</loc>
		<lastmod>2009-03-05T18:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-obama-on-health-care-lets-get-to-work</loc>
		<lastmod>2009-03-05T19:04:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/most-health-records-issues-were-resolved-technical</loc>
		<lastmod>2009-03-05T20:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-pension-relief-killed-two-birds-with-one-stone</loc>
		<lastmod>2009-03-06T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nay-its-as-simple-as-that</loc>
		<lastmod>2009-03-06T17:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yes-i-do-think-sebelius-is-a-good-pick-to-lead-hh</loc>
		<lastmod>2009-03-06T17:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-my-opinion-the-most-important-issue-that-has-t</loc>
		<lastmod>2009-03-06T17:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-less-than-a-month-to-go-make-sure-your-part-d-is-in-e-prescribing-compliance</loc>
		<lastmod>2009-03-06T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-live-from-ny-its-the-benefits-health-care-show-conference</loc>
		<lastmod>2009-03-09T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-employment-proposals-economically-operationally-disastrous</loc>
		<lastmod>2009-03-10T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-my-opinion-she-is-qualified-because-of-her-st</loc>
		<lastmod>2009-03-10T12:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-catch-up-on-your-reading</loc>
		<lastmod>2009-03-10T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-these-people-are-the-sickest-of-your-population</loc>
		<lastmod>2009-03-11T14:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-effective-communication-through-layoffs-in-three-stages</loc>
		<lastmod>2009-03-11T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-do-you-need-to-help-employees-rescuetime</loc>
		<lastmod>2009-03-12T14:44:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ebn-announces-keynote-speakers-for-22nd-annual-bf-e</loc>
		<lastmod>2009-03-12T15:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-aetna-touts-cdhp-outcomes</loc>
		<lastmod>2009-03-12T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-cvs-closes-90-minuteclinics-til-next-flu-season</loc>
		<lastmod>2009-03-13T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-protect-your-awp-savings</loc>
		<lastmod>2009-03-13T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-supreme-court-to-hear-case-on-401-k-fees</loc>
		<lastmod>2009-03-16T13:49:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-a-whole-lotta-cannoli</loc>
		<lastmod>2009-03-16T17:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-efca-a-good-bill-will-it-pass</loc>
		<lastmod>2009-03-17T12:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-consider-being-taken-captive</loc>
		<lastmod>2009-03-17T16:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-does-aig-anger-affect-executive-benefits</loc>
		<lastmod>2009-03-17T20:19:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-open-to-taxing-health-benefits</loc>
		<lastmod>2009-03-18T12:40:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-put-it-in-writing</loc>
		<lastmod>2009-03-18T16:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-employer-confidence-in-future-of-health-benefits-slips</loc>
		<lastmod>2009-03-19T11:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-play-mind-games-but-in-a-good-way</loc>
		<lastmod>2009-03-19T16:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-allstate-all-out-of-target-date-biz</loc>
		<lastmod>2009-03-20T11:00:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-tear-down-this-wall</loc>
		<lastmod>2009-03-20T16:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-no-work-all-play-makes-for-successful-assurant-training-module</loc>
		<lastmod>2009-03-23T11:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-is-twitter-a-valuable-viable-benefits-communications-tool</loc>
		<lastmod>2009-03-23T14:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-devil-is-in-details-of-rmd-suspension</loc>
		<lastmod>2009-03-23T16:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ebn-sponsors-cobra-web-seminar</loc>
		<lastmod>2009-03-24T11:00:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-prepare-your-celebration-for-national-employee-benefits-day</loc>
		<lastmod>2009-03-24T16:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-principal-to-honor-best-companies-for-employee-financial-security</loc>
		<lastmod>2009-03-25T11:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-401-k-matches-are-wasted-money</loc>
		<lastmod>2009-03-26T11:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-revisit-whether-step-therapy-truly-reduces-rx-costs</loc>
		<lastmod>2009-03-26T16:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-president-addresses-health-care-at-first-ever-web-hall-meeting</loc>
		<lastmod>2009-03-26T16:45:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-workers-see-future-without-employer-sponsored-benefits</loc>
		<lastmod>2009-03-27T11:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-see-what-500-of-your-peers-have-to-say-about-wellness-incentives</loc>
		<lastmod>2009-03-27T16:08:03+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/i-dont-believe-the-issue-is-going-to-be-that-empl</loc>
		<lastmod>2009-03-27T18:23:32+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-stable-value-funds-may-not-be-so-stable</loc>
		<lastmod>2009-03-30T16:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-boehner-unveils-retirement-plan-legislation</loc>
		<lastmod>2009-03-30T17:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-paid-leave-legislation-introduced-in-house</loc>
		<lastmod>2009-03-31T11:00:46+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-outplacement-benefits-become-latest-sign-of-the-times</loc>
		<lastmod>2009-04-01T11:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-retirement-plans-may-be-affected-by-tarp</loc>
		<lastmod>2009-04-01T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-got-an-fmla-headache-ebns-your-aspirin</loc>
		<lastmod>2009-04-02T11:00:11+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-reminder-that-new-chip-requirements-become-effective-tomorrow</loc>
		<lastmod>2009-04-02T13:32:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-happy-national-employee-benefits-day</loc>
		<lastmod>2009-04-02T13:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-listen-to-this-podcast-before-you-cut-employee-perks-rewards</loc>
		<lastmod>2009-04-02T16:19:01+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/overheard-build-your-network-with-myhrwebsite</loc>
		<lastmod>2009-04-03T11:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-remember-theres-strength-in-numbers</loc>
		<lastmod>2009-04-03T16:15:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-is-outsourcing-out</loc>
		<lastmod>2009-04-06T11:00:16+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-increasing-awareness-key-to-decreasing-health-disparities</loc>
		<lastmod>2009-04-06T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-spent-employee-benefits-day-working-on-employee</loc>
		<lastmod>2009-04-06T16:11:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kelly-the-crickets-on-the-comments-tell-the-story</loc>
		<lastmod>2009-04-06T16:12:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/unfortunately-not-necessarily-but-well-see</loc>
		<lastmod>2009-04-06T16:13:36+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-ceo-offers-employees-mini-stimulus-package</loc>
		<lastmod>2009-04-07T11:00:09+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-what-you-dont-know-could-kill-you</loc>
		<lastmod>2009-04-07T16:00:03+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/yay-or-nay-is-the-wal-mart-caterpillar-rx-benefit-model-better-for-employers</loc>
		<lastmod>2009-04-08T11:00:15+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-got-cobra-questions-the-irs-offers-answers</loc>
		<lastmod>2009-04-08T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-jd-powers-dougherty-discusses-health-plan-satisfaction-stats</loc>
		<lastmod>2009-04-09T11:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cobra-model-notice-error-no-biggie</loc>
		<lastmod>2009-04-09T16:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-workers-hunkering-down-for-long-recession</loc>
		<lastmod>2009-04-10T11:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-new-part-d-subsidy-resources-available</loc>
		<lastmod>2009-04-10T16:00:04+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-expect-cost-hikes-due-to-cobra-subsidy</loc>
		<lastmod>2009-04-13T11:00:16+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/i-agree-with-helenas-assessment-on-health-welfar</loc>
		<lastmod>2009-04-13T12:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-article-is-bad-it-doesnt-tell-you-anything</loc>
		<lastmod>2009-04-13T12:38:17+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-updated-info-on-collecting-your-awp-savings</loc>
		<lastmod>2009-04-13T16:00:09+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/we-are-seeing-more-activity-to-recompete-currently</loc>
		<lastmod>2009-04-14T11:55:05+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-retirement-confidence-at-record-low</loc>
		<lastmod>2009-04-14T12:09:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-the-most-of-financial-literacy-month</loc>
		<lastmod>2009-04-14T16:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/you-should-check-the-settlement-terms-and-you-will</loc>
		<lastmod>2009-04-14T17:51:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-am-not-seeing-a-decrease-or-stoppage-in-outsourc</loc>
		<lastmod>2009-04-14T17:51:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-more-speakers-for-bf-e-09-announced</loc>
		<lastmod>2009-04-16T11:00:10+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-its-earth-month-so-payitgreen</loc>
		<lastmod>2009-04-16T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-stand-by-your-plan</loc>
		<lastmod>2009-04-17T11:00:08+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/thank-you-for-sharing-this-informationthis-is-suc</loc>
		<lastmod>2009-04-17T13:44:12+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-look-before-you-leap</loc>
		<lastmod>2009-04-17T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-nominations-for-the-2009-benny-awards-are-open</loc>
		<lastmod>2009-04-20T11:00:13+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-texting-and-twitter-may-actually-boost-productivity</loc>
		<lastmod>2009-04-20T16:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-can-congress-produce-a-health-care-reform-bill-by-summer</loc>
		<lastmod>2009-04-21T11:00:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-be-dead-wood</loc>
		<lastmod>2009-04-21T16:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-supreme-court-to-hear-discrimination-case-that-could-affect-hiring</loc>
		<lastmod>2009-04-22T11:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-target-practice</loc>
		<lastmod>2009-04-22T16:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-are-well-being-indices-next-on-the-stock-ticker</loc>
		<lastmod>2009-04-23T11:00:13+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-migraines-are-costing-you-pain-and-productivity</loc>
		<lastmod>2009-04-23T16:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-60-minutes-segment-profiles-collapse-of-retirement-dreams</loc>
		<lastmod>2009-04-24T11:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nay-90-of-health-insurance-decisions-as-well-as</loc>
		<lastmod>2009-04-24T11:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-help-cure-mattressitis</loc>
		<lastmod>2009-04-24T16:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-nbgh-releases-issue-brief-on-health-care-disparities</loc>
		<lastmod>2009-04-27T11:00:16+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/socializing-healthcare-will-be-a-disaster-if-you</loc>
		<lastmod>2009-04-27T14:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-use-mental-health-month-to-separate-fact-from-fiction</loc>
		<lastmod>2009-04-27T16:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-time-for-gen-y-to-grow-up-and-buy-up</loc>
		<lastmod>2009-04-28T11:00:12+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-hhs-guidance-on-hitech-amendments-to-hipaa</loc>
		<lastmod>2009-04-28T16:00:07+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/overheard-sabbaticals-may-help-prevent-layoffs</loc>
		<lastmod>2009-04-29T11:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-with-annuities-its-all-about-how-you-say-it</loc>
		<lastmod>2009-04-29T16:00:05+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-study-names-gpos-as-unsung-heroes-of-health-care-reform</loc>
		<lastmod>2009-04-30T11:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-legal-considerations-for-furloughs</loc>
		<lastmod>2009-04-30T16:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-pick-a-card-any-card</loc>
		<lastmod>2009-05-01T11:00:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/havent-listened-to-the-podcast-yet-but-im-reall</loc>
		<lastmod>2009-05-01T19:34:33+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-revisit-revise-your-disaster-preparedness-response-plan</loc>
		<lastmod>2009-05-01T19:54:57+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-mars-drinks-forms-partnership-to-be-cleaner-and-greener</loc>
		<lastmod>2009-05-04T11:00:10+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-before-you-conduct-layoffs-read-this</loc>
		<lastmod>2009-05-04T16:00:06+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-bright-horizons-offers-help-to-employers-affected-by-h1n1-and-during-other-public-health-emergencies</loc>
		<lastmod>2009-05-05T11:00:15+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-during-layoffs-remember-fmla-compliance</loc>
		<lastmod>2009-05-05T16:00:07+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ebn-partners-with-aetna-to-launch-new-blog</loc>
		<lastmod>2009-05-06T11:00:12+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-to-your-fighting-weight</loc>
		<lastmod>2009-05-06T16:00:06+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employees-favor-cost-sharing-carrots</loc>
		<lastmod>2009-05-07T13:04:18+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-freak-case-offers-tips-on-how-to-conduct-layoffs-without-litigation</loc>
		<lastmod>2009-05-07T16:00:27+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/we-have-offered-a-flex-debit-card-to-our-clients-f</loc>
		<lastmod>2009-05-08T13:02:54+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/we-use-comsumer-choice-plans-out-of-paducah-ky-as</loc>
		<lastmod>2009-05-08T13:02:54+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/we-offer-one-for-our-fsa-and-it-has-achieved-near</loc>
		<lastmod>2009-05-08T13:02:54+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-3-tips-on-tech-for-the-price-of-1</loc>
		<lastmod>2009-05-08T16:21:31+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-is-boston-the-new-toronto</loc>
		<lastmod>2009-05-11T11:00:12+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-s-of-the-day-steps-to-measuring-employee-financial-stress</loc>
		<lastmod>2009-05-11T16:00:06+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/overheard-readers-sound-off-on-hsa-editorial</loc>
		<lastmod>2009-05-12T11:00:11+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-take-the-long-view-invest-in-vision-benefits</loc>
		<lastmod>2009-05-12T17:15:05+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-life-insurance-coverage-eroding</loc>
		<lastmod>2009-05-13T11:00:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-5-point-plan-to-developing-a-total-comp-plan</loc>
		<lastmod>2009-05-13T16:00:06+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/wish-you-were-here-dave-thomas-foundation-names-this-years-best-adoption-friendly-workplaces</loc>
		<lastmod>2009-05-14T11:00:12+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-weighing-the-pros-and-cons-of-401-k-loans-distributions</loc>
		<lastmod>2009-05-14T16:00:08+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-ebns-contributing-editors-take-on-benefits-biggest-challenge</loc>
		<lastmod>2009-05-15T11:00:14+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-dont-forget-to-submit-your-benny-noms</loc>
		<lastmod>2009-05-18T13:27:20+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-widen-your-wellness-tent</loc>
		<lastmod>2009-05-18T16:00:07+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-mandating-health-risk-assessments-is-an-ada-no-no</loc>
		<lastmod>2009-05-20T16:47:37+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-republicans-reveal-health-care-reform-proposal</loc>
		<lastmod>2009-05-21T11:00:10+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/overheard-hsa-enrollees-have-no-regrets</loc>
		<lastmod>2009-05-22T11:00:14+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-wait-you-forgot-your-401-k</loc>
		<lastmod>2009-05-22T16:53:00+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/yay-or-nay-is-swearing-at-work-okay</loc>
		<lastmod>2009-05-27T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-hit-all-the-right-target-dates-next-month</loc>
		<lastmod>2009-05-27T16:00:00+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/overheard-we-had-a-3-billion-investment-loss</loc>
		<lastmod>2009-05-26T11:00:11+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-raise-the-roof-on-hsa-limits</loc>
		<lastmod>2009-05-26T16:00:04+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/overheard-trimming-fsas-could-pay-for-health-care-reform</loc>
		<lastmod>2009-06-01T20:50:43+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-beware-of-sen-kennedy</loc>
		<lastmod>2009-06-01T20:52:15+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/news-you-can-use-10-hardest-jobs-to-fill</loc>
		<lastmod>2009-06-05T16:01:56+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-pick-your-side-of-the-efca-fence</loc>
		<lastmod>2009-06-05T16:27:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-health-execs-not-so-good-at-math</loc>
		<lastmod>2009-06-08T17:53:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-stay-check-ed-in-on-efca-developments</loc>
		<lastmod>2009-06-08T18:36:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-half-of-plan-sponsors-pessimistic-about-401-k-viability</loc>
		<lastmod>2009-06-09T16:46:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cut-the-apron-strings-with-care-and-caution</loc>
		<lastmod>2009-06-09T20:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-kennedy-releases-health-care-reform-bill</loc>
		<lastmod>2009-06-10T17:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-mandating-paid-sick-leaves-offers-way-out-of-catch-22</loc>
		<lastmod>2009-06-15T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-streamline-your-rfp-process</loc>
		<lastmod>2009-06-15T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-get-bamboozled-by-payment-recovery-services</loc>
		<lastmod>2009-06-16T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-obama-calls-health-care-ticking-time-bomb</loc>
		<lastmod>2009-06-15T20:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-most-people-can-recover-from-large-401-k-losses</loc>
		<lastmod>2009-06-17T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-keep-your-eye-on-the-ball</loc>
		<lastmod>2009-06-17T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-its-time-for-the-401-k-to-be-scrapped</loc>
		<lastmod>2009-06-18T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-look-for-the-magnet-label</loc>
		<lastmod>2009-06-18T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-when-it-comes-to-financial-planning-two-heads-not-better-than-one</loc>
		<lastmod>2009-06-19T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-engaging-employees-in-wellness</loc>
		<lastmod>2009-06-23T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-employers-add-401-k-features-to-offset-loss-of-match</loc>
		<lastmod>2009-06-22T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-compliance-considerations-for-hiring-summer-interns</loc>
		<lastmod>2009-06-22T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-sneak-peek-at-todays-hearing-on-target-date-funds</loc>
		<lastmod>2009-06-18T14:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-buy-a-frosty-help-a-child</loc>
		<lastmod>2009-06-19T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ebris-fronstin-speaks-on-health-care-exchange</loc>
		<lastmod>2009-06-23T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-near-retirees-blowing-chance-to-recoup-08-losses-delaying-retirement</loc>
		<lastmod>2009-06-24T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-forget-a-run-on-the-banks-employers-need-to-prevent-a-run-on-the-pharmacy</loc>
		<lastmod>2009-06-24T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-new-info-source-on-health-care-reform-gives-employers-knowledge-power</loc>
		<lastmod>2009-06-29T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-obama-acknowledges-health-care-reform-will-be-complicated-but-hes-optimistic</loc>
		<lastmod>2009-06-23T17:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-health-insurance-execs-salaries-totaled-118m</loc>
		<lastmod>2009-06-26T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-obama-not-quite-ready-for-primetime</loc>
		<lastmod>2009-06-25T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-public-option-remains-reform-whipping-boy</loc>
		<lastmod>2009-06-25T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-put-your-retirement-plan-through-instant-replay</loc>
		<lastmod>2009-06-25T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-learn-about-lupus</loc>
		<lastmod>2009-06-26T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-onboard-with-offboarding</loc>
		<lastmod>2009-06-30T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-help-new-grads-pass-benefits-101</loc>
		<lastmod>2009-06-29T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dispatch-from-shrm-09-how-the-success-of-your-wellness-program-actually-is-linked-to-cigarette-advertising</loc>
		<lastmod>2009-06-29T13:59:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-pay-attention-to-wage-and-hour-compliance</loc>
		<lastmod>2009-06-30T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-out-of-the-babysitting-business</loc>
		<lastmod>2009-06-30T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dispatch-from-shrm-09-are-you-prepared-to-be-worse-than-a-lawyer</loc>
		<lastmod>2009-06-30T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-five-steps-to-crafting-a-plan-for-the-worst</loc>
		<lastmod>2009-07-01T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-older-workers-are-facebooking-everywhere-even-at-work</loc>
		<lastmod>2009-07-06T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-put-away-your-carving-knife</loc>
		<lastmod>2009-07-02T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-relax-mental-health-parity-wont-cost-as-much-as-you-think</loc>
		<lastmod>2009-07-02T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yay-or-nay-can-celebs-move-the-needle-on-benefits-understanding-and-enrollment</loc>
		<lastmod>2009-07-09T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-got-great-communication-skills-submit-an-i-comm-nomination</loc>
		<lastmod>2009-07-09T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-manage-survivor-syndrome-with-succession-planning</loc>
		<lastmod>2009-07-10T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-what-a-difference-400-billion-makes</loc>
		<lastmod>2009-07-13T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-watch-out-brokers-descending-on-dc</loc>
		<lastmod>2009-07-13T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-that-sound-its-your-employees-planning-their-retreat</loc>
		<lastmod>2009-07-14T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-your-health-care-reform-proposal-out-there</loc>
		<lastmod>2009-07-14T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-consumers-would-flock-to-public-plan-in-droves</loc>
		<lastmod>2009-07-15T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-go-green-go-public-or-go-home</loc>
		<lastmod>2009-07-15T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-concierge-medicine-added-to-health-reform-mix</loc>
		<lastmod>2009-07-16T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-take-care-of-your-caregivers</loc>
		<lastmod>2009-07-16T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-pros-grade-the-401-k-a-b</loc>
		<lastmod>2009-07-17T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-remember-the-personal-side-of-health-care</loc>
		<lastmod>2009-07-17T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-psca-releases-first-ever-403-b-target-date-survey</loc>
		<lastmod>2009-07-14T13:32:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-memoriam-ebn-eba-family-mourns-the-loss-of-robert-whiddon</loc>
		<lastmod>2009-07-21T19:05:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-generics-not-sure-what-you-mean</loc>
		<lastmod>2009-07-28T16:48:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-no-health-care-magic-in-mass</loc>
		<lastmod>2009-07-30T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-bridge-the-benefits-chasm-yes-now</loc>
		<lastmod>2009-07-30T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-house-bill-does-nothing-to-reform-health-care-system</loc>
		<lastmod>2009-08-03T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-learn-wage-hour-math-25-hours-could-cost-you-42-million</loc>
		<lastmod>2009-08-03T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-throw-out-that-pizza-box-there-might-be-a-resume-inside</loc>
		<lastmod>2009-07-31T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-part-ds-terrific-results-could-be-model-for-reform</loc>
		<lastmod>2009-07-31T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-try-to-recover-our-optimism</loc>
		<lastmod>2009-07-29T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-devil-well-hidden-in-health-care-details</loc>
		<lastmod>2009-07-30T15:56:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-practitioners-consultants-make-final-pitches-for-health-care-reform</loc>
		<lastmod>2009-08-04T17:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-kick-the-tires-on-etfs</loc>
		<lastmod>2009-08-04T17:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-ear-infections-will-bankrupt-us</loc>
		<lastmod>2009-08-10T18:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-good-things-come-to-those-who-wait</loc>
		<lastmod>2009-08-10T18:28:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-younger-workers-saying-no-way-401-k</loc>
		<lastmod>2009-08-11T19:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-tell-your-employees-to-work-less</loc>
		<lastmod>2009-08-11T20:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-managers-promote-those-who-promote-themselves</loc>
		<lastmod>2009-08-12T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-call-it-health-insurance-reform</loc>
		<lastmod>2009-08-12T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-you-dont-need-ulterior-motives-to-jam</loc>
		<lastmod>2009-08-13T13:02:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-say-it-with-me-comm-yoo-nih-cate</loc>
		<lastmod>2009-08-13T15:10:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-new-financial-planning-designation-available</loc>
		<lastmod>2009-08-14T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-use-your-eap-to-lessen-mhp-costs</loc>
		<lastmod>2009-08-14T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-recession-taketh-employers-restore</loc>
		<lastmod>2009-08-17T19:30:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-ready-for-more-ada-accommodations-requests</loc>
		<lastmod>2009-08-17T20:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-will-dc-plan-limits-be-reduced</loc>
		<lastmod>2009-08-24T17:35:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-your-ceo-doesnt-want-to-be-your-friend</loc>
		<lastmod>2009-08-24T19:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-where-are-the-jobs</loc>
		<lastmod>2009-08-25T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-follow-facebook-etiquette</loc>
		<lastmod>2009-08-25T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-if-everyone-comes-to-the-table-were-all-going-to-get-a-little-less</loc>
		<lastmod>2009-08-26T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-find-wellness-success-with-tcby</loc>
		<lastmod>2009-08-26T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-not-much-what-with-all-the-yelling</loc>
		<lastmod>2009-08-27T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-a-penny-earned-is-a-dollar-saved</loc>
		<lastmod>2009-08-27T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-start-your-swine-flu-prep</loc>
		<lastmod>2009-08-28T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-list-ranks-most-powerful-people-in-health-care</loc>
		<lastmod>2009-08-28T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-db-plans-undergoing-seismic-shift</loc>
		<lastmod>2009-09-01T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-wellness-screenings-are-like-the-wild-west</loc>
		<lastmod>2009-09-01T14:09:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-let-the-budget-ax-fall-on-employee-training</loc>
		<lastmod>2009-09-01T16:02:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-learn-lessons-from-post-katrina-rebuilding</loc>
		<lastmod>2009-09-01T16:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-benefits-insiders-handicap-health-care-reform-in-wake-of-kennedys-death</loc>
		<lastmod>2009-09-02T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-if-it-aint-broke-dont-fix-it-or-freeze-it</loc>
		<lastmod>2009-09-02T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-a-labor-relations-position-within-the-health-care-sector</loc>
		<lastmod>2009-09-03T17:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-having-a-job-does-not-equate-to-job-satisfaction</loc>
		<lastmod>2009-09-03T17:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-enjoy-labor-day-weekend</loc>
		<lastmod>2009-09-04T16:07:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-everyone-loves-payday</loc>
		<lastmod>2009-09-08T18:29:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-listen-in-to-the-presidents-weekly-radio-addresses</loc>
		<lastmod>2009-09-08T18:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-things-are-off-track-a-little-bit</loc>
		<lastmod>2009-09-09T15:47:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-stretch-out-your-stress-for-free</loc>
		<lastmod>2009-09-09T16:03:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cost-shifting-cdhps-vendor-management-among-2010-cost-cutting-options</loc>
		<lastmod>2009-09-10T16:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-you-have-an-ugly-baby</loc>
		<lastmod>2009-09-10T17:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-to-survive-the-recession-you-need-patience-persistence-and-perspective</loc>
		<lastmod>2009-09-11T16:08:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-never-forget</loc>
		<lastmod>2009-09-11T16:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-beware-hr-3200s-health-benefits-advisory-board</loc>
		<lastmod>2009-09-14T17:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-put-the-cookies-where-everyone-can-reach-them</loc>
		<lastmod>2009-09-14T19:17:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-quotable-quotes-from-bf-e-09</loc>
		<lastmod>2009-09-14T19:43:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-one-roll-of-toilet-paper-would-cost-24</loc>
		<lastmod>2009-09-16T19:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-convene-a-vendor-summit</loc>
		<lastmod>2009-09-16T19:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-cmon-get-happy</loc>
		<lastmod>2009-09-17T19:59:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-baucus-plan-limits-fsas-expands-employers-w2-requirements</loc>
		<lastmod>2009-09-17T20:12:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-start-deciding-whether-you-want-to-pay-or-play</loc>
		<lastmod>2009-09-18T15:36:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-when-in-rome-reward-as-the-romans-do</loc>
		<lastmod>2009-09-18T16:02:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-fallout-from-the-actions-employers-have-taken-in-response-to-the-recession-is-significant</loc>
		<lastmod>2009-09-22T19:59:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-if-you-send-them-abroad-let-them-fly-coach</loc>
		<lastmod>2009-09-22T20:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-got-life-insurance-questions-theres-an-app-for-that</loc>
		<lastmod>2009-09-23T19:26:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-brush-up-on-your-3-rs-no-one-of-them-isnt-recession</loc>
		<lastmod>2009-09-23T19:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/moving-on-up</loc>
		<lastmod>2009-09-23T19:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-elephant-in-the-room-at-this-weeks-dmaa-conference</loc>
		<lastmod>2009-09-24T14:33:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-this-sounds-like-a-lawsuit-waiting-to-happen</loc>
		<lastmod>2009-09-25T17:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-women-gain-as-breadwinners-but-only-have-crumbs-for-protection</loc>
		<lastmod>2009-09-25T17:50:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-leave-no-stone-unturned-tweet-your-way-to-lower-health-care-costs</loc>
		<lastmod>2009-09-28T16:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-why-retire-when-i-can-not-only-enjoy-life-but-help-some-people</loc>
		<lastmod>2009-09-28T18:29:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-take-a-moment-to-remember-and-perhaps-to-give</loc>
		<lastmod>2009-09-29T14:29:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/breaking-sen-finance-committee-rejects-public-option</loc>
		<lastmod>2009-09-29T20:18:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-it-just-would-not-be-right-for-us-to-take-that-week-off</loc>
		<lastmod>2009-09-30T15:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/update-19-arrested-at-aetna-sit-in</loc>
		<lastmod>2009-09-30T16:07:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-insurance-companies-are-the-real-death-panels</loc>
		<lastmod>2009-09-30T16:08:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-consider-a-pension-mini-freeze-as-in-ice-cube-not-igloo</loc>
		<lastmod>2009-09-30T16:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-let-the-texting-and-flip-flops-frighten-you</loc>
		<lastmod>2009-09-30T18:20:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-delta-dentals-jeff-album-says-there-are-no-guarantees</loc>
		<lastmod>2009-10-01T15:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-if-millionaires-need-financial-education-imagine-how-your-employees-feel</loc>
		<lastmod>2009-10-01T15:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-what-is-a-pfa</loc>
		<lastmod>2009-10-06T14:58:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-two-words-for-you-knowing-and-voluntary</loc>
		<lastmod>2009-10-07T12:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-a-crucial-decision-lies-ahead-for-lawmakers</loc>
		<lastmod>2009-10-07T16:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-shoot-the-messenger</loc>
		<lastmod>2009-10-08T13:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-cost-shifting-may-be-more-dramatic-next-year</loc>
		<lastmod>2009-10-08T17:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-tie-a-yellow-ribbon-on-your-finger</loc>
		<lastmod>2009-10-08T17:54:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-weve-asked-the-president-to-provide-us-with-answers</loc>
		<lastmod>2009-10-13T15:55:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-identify-your-sharks-and-goldfish</loc>
		<lastmod>2009-10-13T16:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-we-are-concerned-about-workability-and-cost</loc>
		<lastmod>2009-10-14T16:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-honesty-is-the-best-policy</loc>
		<lastmod>2009-10-15T12:10:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-aware-and-get-active-in-the-fight-against-diabetes</loc>
		<lastmod>2009-10-17T20:28:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-insurance-lobbys-scare-tactics-are-ironic-and-deplorable</loc>
		<lastmod>2009-10-17T20:29:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-remember-to-add-gina-to-your-compliance-to-do-list</loc>
		<lastmod>2009-10-22T17:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-young-leadership-has-strong-representation-throughout-our-enterprise</loc>
		<lastmod>2009-10-24T18:05:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-hartfords-food-for-thought-campaign-demonstrates-the-value-of-income-protection</loc>
		<lastmod>2009-10-27T12:08:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-insurance-industry-is-being-very-unfairly-characterized</loc>
		<lastmod>2009-10-28T19:51:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-debate-rages-over-health-risk-age-bands</loc>
		<lastmod>2009-10-28T19:53:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-check-your-cfos-pressure</loc>
		<lastmod>2009-10-29T12:19:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-split-bills-seen-as-last-hope-for-health-care-reform</loc>
		<lastmod>2009-10-29T15:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-ask-no-qdro-questions-and-pensioners-will-tell-you-no-lies</loc>
		<lastmod>2009-10-29T17:43:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-the-funded-status-of-us-defined-benefit-plans-remains-a-concern</loc>
		<lastmod>2009-11-02T18:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-add-retirement-plan-counseling-to-your-exit-interview-processes</loc>
		<lastmod>2009-11-03T14:33:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-beware-cobra-subsidy-audits</loc>
		<lastmod>2009-11-03T18:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-whole-foods-drama-leaves-bad-taste-behind</loc>
		<lastmod>2009-11-04T16:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-professor-laibson-to-name-names</loc>
		<lastmod>2009-11-04T21:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-ltc-insurance-month-couldnt-have-come-at-a-better-time</loc>
		<lastmod>2009-11-04T21:03:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-reaction-to-house-passage-of-health-care-reform</loc>
		<lastmod>2009-11-09T18:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-9-hours-a-night-keeps-h1n1-out-of-sight</loc>
		<lastmod>2009-11-09T21:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-sick-leave-mandates-will-do-more-harm-than-good</loc>
		<lastmod>2009-11-11T13:15:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-offering-worksite-flu-shots-can-backfire</loc>
		<lastmod>2009-11-11T20:41:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-a-how-to-on-performing-dental-triage</loc>
		<lastmod>2009-11-12T12:55:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-calibrate-your-contributions</loc>
		<lastmod>2009-11-12T13:15:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-scotus-rules-against-crediting-maternity-leave-in-pension-calculations</loc>
		<lastmod>2009-11-16T15:47:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hi-im-chato-b-stewart-over-at-site-mental-healt</loc>
		<lastmod>2009-11-16T15:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-is-an-individual-health-coverage-mandate-unconstitutional</loc>
		<lastmod>2009-11-17T00:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-get-ready-to-kick-butt</loc>
		<lastmod>2009-11-17T13:24:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-electronic-medical-records-have-not-yet-had-a-real-impact</loc>
		<lastmod>2009-11-18T00:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-dont-change-your-preventive-wellness-schedule-incentives</loc>
		<lastmod>2009-11-18T00:19:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-caterpillar-capitulates-on-401-k-fee-suit</loc>
		<lastmod>2009-11-19T13:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-make-the-most-of-the-financial-new-normal</loc>
		<lastmod>2009-11-19T13:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-key-differences-in-house-senate-reform-bills</loc>
		<lastmod>2009-11-23T20:49:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-look-for-leave-cheaters-on-facebook</loc>
		<lastmod>2009-11-24T17:19:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tip-of-the-day-in-the-spirit-of-the-holiday-say-thank-you</loc>
		<lastmod>2009-11-24T19:43:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-workers-want-employers-noses-out-of-their-social-media-lives</loc>
		<lastmod>2009-11-26T15:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-recession-has-workers-coping-with-increased-stress</loc>
		<lastmod>2009-11-30T17:13:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-wellness-incentive-in-reform-bill-may-not-be-worth-it</loc>
		<lastmod>2009-12-02T15:14:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-cost-data-seen-as-key-component-for-health-reform</loc>
		<lastmod>2009-12-03T13:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-employers-would-reduce-benefits-to-avoid-excise-tax-under-health-care-reform</loc>
		<lastmod>2009-12-03T19:26:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-senators-propose-a-401-k-projection-model</loc>
		<lastmod>2009-12-09T18:35:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-reform-bills-would-force-employers-to-cover-dietary-counseling-for-27-year-old-dependents</loc>
		<lastmod>2009-12-15T17:37:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-compromise-advancing-health-reform-bill</loc>
		<lastmod>2009-12-16T16:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-consultants-modeling-health-care-reforms-impact</loc>
		<lastmod>2009-12-17T19:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-cobra-subsidy-extended</loc>
		<lastmod>2009-12-22T13:06:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/happy-holidays-from-the-daily-diversion-2682698</loc>
		<lastmod>2009-12-23T21:02:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2-cents-approaching-retirement-apply-at-trader-joes</loc>
		<lastmod>2010-01-04T23:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-workers-continue-to-grow-increasingly-unhappy</loc>
		<lastmod>2010-01-06T13:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-merger-made-in-heaven</loc>
		<lastmod>2010-01-06T20:50:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2-cents-a-reason-to-watch-reality-tv</loc>
		<lastmod>2010-01-07T16:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dd-on-hiatus-jan-12-15</loc>
		<lastmod>2010-01-12T17:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-mercer-puts-out-10-for-10-list-for-dc-sponsors</loc>
		<lastmod>2010-01-11T19:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overheard-much-ado-for-nothing</loc>
		<lastmod>2010-01-21T12:37:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-might-be-best-to-cancel-that-starbucks-run</loc>
		<lastmod>2010-01-25T13:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-tips-for-making-haiti-help-focused-effective</loc>
		<lastmod>2010-01-26T14:59:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-smartphone-technology-may-be-wisest-wellness-approach</loc>
		<lastmod>2010-01-26T17:51:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/news-you-can-use-working-harder-with-fewer-legal-protections</loc>
		<lastmod>2010-01-28T00:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-say-to-employers-im-broke-and-its-your-fault</loc>
		<lastmod>2010-02-02T18:24:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-you-really-care-about-workplace-romances</loc>
		<lastmod>2010-02-09T14:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/could-comprehensive-disaster-prep-keep-you-out-of-court</loc>
		<lastmod>2010-02-09T17:17:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/can-neither-snow-nor-rain-keep-your-workers-from-their-appointed-rounds</loc>
		<lastmod>2010-02-09T17:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/report-offers-pros-the-lowdown-on-litigation</loc>
		<lastmod>2010-02-11T14:10:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/you-really-can-be-bored-to-death-researchers-say</loc>
		<lastmod>2010-02-15T14:38:06+00:00</lastmod>
	</url>
</urlset>
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