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		<lastmod>2026-03-05T12:14:59+00:00</lastmod>
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		<lastmod>2026-03-05T12:14:08+00:00</lastmod>
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		<lastmod>2026-03-05T12:12:44+00:00</lastmod>
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		<lastmod>2026-03-05T12:12:04+00:00</lastmod>
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		<lastmod>2026-03-05T12:10:13+00:00</lastmod>
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		<lastmod>2026-03-05T12:09:43+00:00</lastmod>
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		<lastmod>2026-03-05T09:47:37+00:00</lastmod>
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		<lastmod>2026-03-05T03:02:30+00:00</lastmod>
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		<lastmod>2026-03-05T02:42:44+00:00</lastmod>
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		<lastmod>2026-03-05T02:35:39+00:00</lastmod>
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		<lastmod>2026-03-04T19:42:07+00:00</lastmod>
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		<lastmod>2026-03-04T19:30:45+00:00</lastmod>
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		<lastmod>2026-03-04T18:58:15+00:00</lastmod>
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		<lastmod>2026-03-04T18:51:28+00:00</lastmod>
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		<lastmod>2026-03-04T16:03:30+00:00</lastmod>
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		<lastmod>2026-03-04T16:02:31+00:00</lastmod>
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		<lastmod>2026-03-04T16:00:21+00:00</lastmod>
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		<lastmod>2026-03-04T15:57:43+00:00</lastmod>
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		<lastmod>2026-03-04T15:57:06+00:00</lastmod>
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		<lastmod>2026-03-04T15:56:04+00:00</lastmod>
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		<lastmod>2026-03-04T15:53:14+00:00</lastmod>
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		<lastmod>2026-03-04T15:52:17+00:00</lastmod>
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		<lastmod>2026-03-04T15:51:35+00:00</lastmod>
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		<lastmod>2026-03-04T14:28:26+00:00</lastmod>
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		<lastmod>2026-03-04T14:26:20+00:00</lastmod>
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		<lastmod>2026-03-04T14:24:21+00:00</lastmod>
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		<lastmod>2026-03-04T14:22:09+00:00</lastmod>
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		<lastmod>2026-03-04T14:20:03+00:00</lastmod>
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		<lastmod>2026-01-06T12:17:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/yield-to-maturity</loc>
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		<lastmod>2026-01-06T12:17:23+00:00</lastmod>
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		<lastmod>2026-01-06T12:14:45+00:00</lastmod>
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		<lastmod>2025-02-25T09:12:04+00:00</lastmod>
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		<lastmod>2025-02-25T08:51:39+00:00</lastmod>
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		<lastmod>2025-02-25T07:22:04+00:00</lastmod>
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		<lastmod>2025-02-25T07:07:43+00:00</lastmod>
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		<lastmod>2025-02-25T06:47:18+00:00</lastmod>
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		<lastmod>2025-02-25T06:35:41+00:00</lastmod>
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		<lastmod>2025-02-25T06:34:21+00:00</lastmod>
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		<lastmod>2025-01-10T09:08:32+00:00</lastmod>
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		<lastmod>2025-01-09T11:23:05+00:00</lastmod>
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		<lastmod>2025-01-09T11:20:56+00:00</lastmod>
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		<lastmod>2024-08-29T13:31:31+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/irs-publication-557</loc>
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		<lastmod>2024-08-13T10:14:26+00:00</lastmod>
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		<lastmod>2024-07-30T13:45:54+00:00</lastmod>
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		<lastmod>2024-07-30T13:38:49+00:00</lastmod>
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		<lastmod>2024-07-30T13:27:35+00:00</lastmod>
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		<lastmod>2024-07-30T13:27:01+00:00</lastmod>
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		<lastmod>2024-07-30T13:16:45+00:00</lastmod>
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		<lastmod>2024-07-30T12:56:56+00:00</lastmod>
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		<lastmod>2024-07-30T12:54:19+00:00</lastmod>
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		<lastmod>2024-07-30T12:49:18+00:00</lastmod>
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		<lastmod>2024-07-30T12:21:21+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/gross-income</loc>
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		<lastmod>2024-07-30T12:17:26+00:00</lastmod>
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		<lastmod>2024-07-30T12:16:50+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/written-premium</loc>
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		<lastmod>2024-07-30T12:14:13+00:00</lastmod>
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		<lastmod>2024-07-30T12:13:56+00:00</lastmod>
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		<lastmod>2024-07-30T12:13:45+00:00</lastmod>
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		<lastmod>2024-07-30T12:13:38+00:00</lastmod>
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		<lastmod>2024-07-30T12:13:30+00:00</lastmod>
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		<lastmod>2024-07-30T12:09:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/enterprise-multiple</loc>
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		<lastmod>2024-07-30T12:08:18+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/ebitda-margin</loc>
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		<lastmod>2024-07-30T12:08:10+00:00</lastmod>
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		<lastmod>2024-07-30T12:08:02+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/tax-expense</loc>
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		<lastmod>2024-07-30T12:07:56+00:00</lastmod>
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		<lastmod>2024-07-30T12:03:51+00:00</lastmod>
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		<lastmod>2024-07-30T12:03:15+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/lei</loc>
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		<lastmod>2024-07-30T11:35:51+00:00</lastmod>
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		<lastmod>2024-07-30T11:27:18+00:00</lastmod>
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		<lastmod>2024-07-30T11:26:08+00:00</lastmod>
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		<lastmod>2024-07-30T11:24:06+00:00</lastmod>
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		<lastmod>2024-07-30T11:20:20+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/agency-costs</loc>
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		<lastmod>2024-07-30T11:15:53+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/startup-capital</loc>
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		<lastmod>2024-07-30T11:15:45+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/working-capital-loan</loc>
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		<lastmod>2024-07-30T11:14:31+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/sustainable-growth-rate</loc>
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		<lastmod>2024-07-30T11:14:21+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/expense-3</loc>
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		<lastmod>2024-07-30T11:08:11+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/constructive-receipt</loc>
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		<lastmod>2024-07-30T11:06:40+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/accrued-liability</loc>
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		<lastmod>2024-07-30T11:01:33+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/sep-ira-plan</loc>
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		<lastmod>2024-07-30T08:06:56+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/llc</loc>
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		<lastmod>2024-07-30T08:06:01+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/key-rate-duration</loc>
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		<lastmod>2024-07-30T08:04:02+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/junk-bond</loc>
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		<lastmod>2024-07-30T08:04:00+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/debt-instrument</loc>
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		<lastmod>2024-07-30T08:01:45+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/allowance-for-credit-losses</loc>
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		<lastmod>2024-07-30T08:01:33+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/long-term-debt</loc>
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		<lastmod>2024-07-30T08:01:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/joint-stock-company</loc>
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		<lastmod>2024-07-30T08:01:05+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/exemption</loc>
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		<lastmod>2024-07-30T07:23:09+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/exempt-income</loc>
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		<lastmod>2024-07-30T07:22:55+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/qpai</loc>
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		<lastmod>2024-07-30T07:15:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/nanny-tax</loc>
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		<lastmod>2024-02-29T11:32:38+00:00</lastmod>
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		<lastmod>2023-04-26T12:59:58+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/capital-gains-exposure</loc>
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		<lastmod>2023-04-26T12:41:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/non-covered-security</loc>
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		<lastmod>2023-04-26T12:37:29+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/contributed-capital</loc>
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		<lastmod>2023-04-26T11:44:28+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/cff</loc>
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		<lastmod>2023-04-26T10:20:22+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/bad-debt-3</loc>
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		<lastmod>2023-04-26T07:13:41+00:00</lastmod>
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		<lastmod>2023-04-26T06:53:45+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/fraternal-organization</loc>
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		<lastmod>2023-04-26T06:24:30+00:00</lastmod>
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		<lastmod>2023-04-26T06:16:24+00:00</lastmod>
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		<lastmod>2023-04-26T05:53:23+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/ulip</loc>
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		<lastmod>2023-04-26T05:47:41+00:00</lastmod>
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		<lastmod>2023-04-25T09:58:16+00:00</lastmod>
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		<lastmod>2023-04-25T09:16:42+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/additional-paid-in-capital</loc>
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		<lastmod>2023-04-25T07:53:09+00:00</lastmod>
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		<lastmod>2023-04-25T07:44:46+00:00</lastmod>
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		<lastmod>2023-04-25T07:08:38+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/unified-tax-credit</loc>
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		<lastmod>2023-04-25T06:45:18+00:00</lastmod>
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		<lastmod>2023-04-24T08:05:56+00:00</lastmod>
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		<lastmod>2023-04-24T06:48:47+00:00</lastmod>
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		<lastmod>2023-04-21T11:33:47+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/form-8379</loc>
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