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	<url>
		<loc>https://www.freshbooks.com/glossary/financial/roic</loc>
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		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/roic" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/roic" />
		<lastmod>2023-02-27T11:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/r-squared</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/r-squared" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/r-squared" />
		<lastmod>2023-02-27T11:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/qualitative-analysis</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/qualitative-analysis" />
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		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/qualitative-analysis" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/qualitative-analysis" />
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		<lastmod>2023-02-27T11:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/quarter</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/quarter" />
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		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/quarter" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/quarter" />
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		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/quarter" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/quarter" />
		<lastmod>2023-02-27T11:13:14+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/financial/quick-assets</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/quick-assets" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/quick-assets" />
		<lastmod>2023-02-27T11:12:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/tax/qualifying-relative</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/tax/qualifying-relative" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/tax/qualifying-relative" />
		<lastmod>2023-02-27T11:12:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/receivership</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/receivership" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/receivership" />
		<lastmod>2023-02-27T11:10:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/accounting/revenue</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/accounting/revenue" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/accounting/revenue" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/accounting/revenue" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/accounting/revenue" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/accounting/revenue" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/accounting/revenue" />
		<lastmod>2023-02-27T11:09:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/return-on-assets</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/return-on-assets" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/return-on-assets" />
		<lastmod>2023-02-27T11:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/return-on-sales</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/return-on-sales" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/return-on-sales" />
		<lastmod>2023-02-27T11:08:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/recapitalization</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/recapitalization" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/recapitalization" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/recapitalization" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/recapitalization" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/recapitalization" />
		<lastmod>2023-02-27T11:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/rollover-risk</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/rollover-risk" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/rollover-risk" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/rollover-risk" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/rollover-risk" />
		<lastmod>2023-02-27T11:06:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/accounting/revenue-recognition-3</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/accounting/revenue-recognition-3" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/accounting/revenue-recognition-3" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/accounting/revenue-recognition-3" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/accounting/revenue-recognition-3" />
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		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/accounting/revenue-recognition-3" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/accounting/revenue-recognition-3" />
		<lastmod>2023-02-27T11:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/return-on-investment</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/return-on-investment" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/return-on-investment" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/return-on-investment" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/return-on-investment" />
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		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/return-on-investment" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/return-on-investment" />
		<lastmod>2023-02-27T11:05:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/small-business/seed-capital</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/small-business/seed-capital" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/small-business/seed-capital" />
		<lastmod>2023-02-27T11:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/small-business/sba</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/small-business/sba" />
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		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/small-business/sba" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/small-business/sba" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/small-business/sba" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/small-business/sba" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/small-business/sba" />
		<lastmod>2023-02-27T11:02:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/sampling-error</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/sampling-error" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/sampling-error" />
		<lastmod>2023-02-27T11:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/systematic-sampling</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/systematic-sampling" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/systematic-sampling" />
		<lastmod>2023-02-27T11:01:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/tax/specific-share-identification</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/tax/specific-share-identification" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/tax/specific-share-identification" />
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		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/tax/specific-share-identification" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/tax/specific-share-identification" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/tax/specific-share-identification" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/tax/specific-share-identification" />
		<lastmod>2023-02-27T10:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/second-lien-debt</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="en-AU" href="https://www.freshbooks.com/en-au/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="en-CA" href="https://www.freshbooks.com/en-ca/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="en-EU" href="https://www.freshbooks.com/en-eu/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="en-ZA" href="https://www.freshbooks.com/en-za/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="en-GB" href="https://www.freshbooks.com/en-gb/glossary/financial/second-lien-debt" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.freshbooks.com/glossary/financial/second-lien-debt" />
		<lastmod>2023-02-27T10:54:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.freshbooks.com/glossary/financial/syndicated-loan</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/syndicated-loan" />
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		<lastmod>2023-02-27T10:53:39+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/sole-proprietorship</loc>
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		<lastmod>2023-02-27T10:53:19+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/solvency</loc>
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		<lastmod>2023-02-27T10:53:05+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/financial/senior-debt</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/senior-debt" />
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		<lastmod>2023-02-27T10:37:43+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/subordinated-debt</loc>
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		<lastmod>2023-02-27T10:37:19+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/small-business/s-corporation</loc>
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		<lastmod>2023-02-27T10:36:24+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/short-term-debt</loc>
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		<lastmod>2023-02-27T10:36:07+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/shareholder</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/small-business/shareholder" />
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		<lastmod>2023-02-27T10:35:19+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/financial/sinking-fund</loc>
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		<lastmod>2023-02-27T10:34:11+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/financial/stratified-random-sampling</loc>
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		<lastmod>2023-02-27T10:33:45+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/tax/schedule-a</loc>
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		<lastmod>2023-02-27T10:33:22+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/probable-maximum-loss</loc>
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		<lastmod>2023-02-24T12:04:14+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/parallel-loan</loc>
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		<lastmod>2023-02-24T12:03:48+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/peg-ratio</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/financial/peg-ratio" />
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		<lastmod>2023-02-24T12:03:19+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/progress-billings</loc>
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		<lastmod>2023-02-24T12:02:43+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/publication-972</loc>
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		<lastmod>2023-02-24T11:57:59+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/present-value</loc>
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		<lastmod>2023-02-24T11:57:10+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/pure-risk</loc>
		<xhtml:link rel="alternate" hreflang="en-US" href="https://www.freshbooks.com/glossary/small-business/pure-risk" />
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		<lastmod>2023-02-24T11:56:51+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/price-to-sales-ratio</loc>
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		<lastmod>2023-02-24T11:56:37+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/price-to-cash-flow-ratio</loc>
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		<lastmod>2023-02-24T11:55:59+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/price-to-earnings-ratio</loc>
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		<lastmod>2023-02-24T11:54:56+00:00</lastmod>
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		<lastmod>2023-02-24T11:51:26+00:00</lastmod>
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		<lastmod>2023-02-24T11:50:58+00:00</lastmod>
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		<lastmod>2023-02-24T11:50:17+00:00</lastmod>
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		<lastmod>2023-02-24T11:49:33+00:00</lastmod>
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		<lastmod>2023-02-24T11:49:18+00:00</lastmod>
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		<lastmod>2023-02-24T11:48:44+00:00</lastmod>
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		<lastmod>2023-02-24T11:44:42+00:00</lastmod>
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		<lastmod>2023-02-24T11:44:23+00:00</lastmod>
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		<lastmod>2023-02-24T11:43:53+00:00</lastmod>
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		<lastmod>2023-02-24T11:42:53+00:00</lastmod>
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		<lastmod>2023-02-24T11:42:38+00:00</lastmod>
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		<lastmod>2023-02-24T11:42:19+00:00</lastmod>
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		<lastmod>2023-02-24T11:36:33+00:00</lastmod>
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		<lastmod>2023-02-24T11:35:04+00:00</lastmod>
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		<lastmod>2023-02-24T11:33:13+00:00</lastmod>
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		<lastmod>2023-02-24T11:30:33+00:00</lastmod>
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		<lastmod>2023-02-23T12:17:38+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/net-interest-margin</loc>
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		<lastmod>2023-02-23T12:17:23+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/nevada-corporation</loc>
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		<lastmod>2023-02-23T12:14:00+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/naic</loc>
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		<lastmod>2023-02-23T12:12:36+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/naifa</loc>
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		<lastmod>2023-02-23T12:12:13+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/network-marketing</loc>
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		<lastmod>2023-02-23T12:08:16+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/mutual-insurance-company</loc>
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		<lastmod>2023-02-23T12:07:26+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/material-participation-tests</loc>
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		<lastmod>2023-02-23T12:07:09+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/mirr</loc>
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		<lastmod>2023-02-23T12:05:29+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/marketing</loc>
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		<lastmod>2023-02-23T12:04:28+00:00</lastmod>
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	<url>
		<loc>https://www.freshbooks.com/glossary/accounting/marketable-securities</loc>
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		<lastmod>2023-02-23T12:01:48+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/musharakah</loc>
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		<lastmod>2023-02-23T12:00:24+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/mutually-exclusive</loc>
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		<lastmod>2023-02-23T12:00:07+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/marginal-benefit</loc>
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		<lastmod>2023-02-23T11:59:42+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/manufacturing-resource-planning</loc>
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		<lastmod>2023-02-23T11:55:10+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/mezzanine-financing</loc>
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		<lastmod>2023-02-23T11:54:45+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/make-to-stock</loc>
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		<lastmod>2023-02-23T11:54:22+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/monte-carlo-simulation</loc>
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		<lastmod>2023-02-23T11:54:07+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/marketing-campaign</loc>
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		<lastmod>2023-02-23T11:53:15+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/merton-model</loc>
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		<lastmod>2023-02-23T11:52:32+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/long-term-capital-gain-or-loss</loc>
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		<lastmod>2023-02-23T11:51:21+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/liquidation-value</loc>
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		<lastmod>2023-02-23T11:48:17+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/liquidation-preference</loc>
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		<lastmod>2023-02-23T11:47:00+00:00</lastmod>
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		<lastmod>2023-02-23T11:46:36+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/know-your-client</loc>
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		<lastmod>2023-02-23T11:41:41+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/kenney-rule</loc>
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		<lastmod>2023-02-23T11:40:25+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/k-ratio</loc>
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		<lastmod>2023-02-23T11:40:08+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/key-ratio</loc>
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		<lastmod>2023-02-23T11:39:28+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/key-currency</loc>
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		<lastmod>2023-02-23T11:36:11+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/keepwell-agreement</loc>
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		<lastmod>2023-02-23T11:35:55+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/joint-probability</loc>
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		<lastmod>2023-02-23T11:34:27+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/joint-liability</loc>
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		<lastmod>2023-02-23T11:33:34+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/justified-price-to-earnings-ratio</loc>
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		<lastmod>2023-02-23T11:33:09+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/junior-company</loc>
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		<lastmod>2023-02-23T11:32:37+00:00</lastmod>
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		<lastmod>2023-02-23T11:30:37+00:00</lastmod>
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		<lastmod>2023-02-23T11:29:13+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/inventory-accounting-3</loc>
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		<lastmod>2023-02-23T11:28:46+00:00</lastmod>
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		<lastmod>2023-02-23T11:27:53+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/inside-sales</loc>
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		<lastmod>2023-02-23T11:27:19+00:00</lastmod>
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		<lastmod>2023-02-23T11:26:27+00:00</lastmod>
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		<lastmod>2023-02-23T11:23:10+00:00</lastmod>
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		<lastmod>2023-02-23T11:21:27+00:00</lastmod>
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		<lastmod>2023-02-23T11:21:06+00:00</lastmod>
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		<lastmod>2023-02-23T11:19:04+00:00</lastmod>
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		<lastmod>2023-02-21T05:49:43+00:00</lastmod>
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		<lastmod>2023-02-20T12:20:28+00:00</lastmod>
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		<lastmod>2023-02-20T11:54:37+00:00</lastmod>
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		<lastmod>2023-02-20T11:54:19+00:00</lastmod>
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		<lastmod>2023-02-20T11:53:59+00:00</lastmod>
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		<lastmod>2023-02-20T11:53:35+00:00</lastmod>
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		<lastmod>2023-02-20T11:52:45+00:00</lastmod>
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		<lastmod>2023-02-20T11:50:42+00:00</lastmod>
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		<lastmod>2023-02-20T11:49:54+00:00</lastmod>
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		<lastmod>2023-02-20T11:47:26+00:00</lastmod>
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		<lastmod>2023-02-20T11:47:06+00:00</lastmod>
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		<lastmod>2023-02-20T11:28:54+00:00</lastmod>
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		<lastmod>2023-02-20T11:28:40+00:00</lastmod>
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		<lastmod>2023-02-20T11:27:39+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/grandfather-clause</loc>
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		<lastmod>2023-02-20T11:25:54+00:00</lastmod>
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		<lastmod>2023-02-20T11:25:22+00:00</lastmod>
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		<lastmod>2023-02-20T11:24:54+00:00</lastmod>
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		<lastmod>2023-02-20T11:24:18+00:00</lastmod>
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		<lastmod>2023-02-20T11:23:26+00:00</lastmod>
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		<lastmod>2023-02-20T11:18:28+00:00</lastmod>
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		<lastmod>2023-02-20T10:47:42+00:00</lastmod>
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		<lastmod>2023-02-20T10:30:48+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/escrow</loc>
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		<lastmod>2023-02-20T10:23:13+00:00</lastmod>
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		<lastmod>2023-02-20T10:10:14+00:00</lastmod>
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		<lastmod>2023-02-20T10:09:33+00:00</lastmod>
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		<lastmod>2023-02-20T10:09:16+00:00</lastmod>
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		<lastmod>2023-02-20T10:08:46+00:00</lastmod>
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		<lastmod>2023-02-20T10:06:15+00:00</lastmod>
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		<lastmod>2023-02-15T11:35:37+00:00</lastmod>
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		<lastmod>2023-02-15T11:26:10+00:00</lastmod>
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		<lastmod>2023-02-13T06:32:33+00:00</lastmod>
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		<lastmod>2023-02-10T11:28:24+00:00</lastmod>
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		<lastmod>2023-02-09T12:00:24+00:00</lastmod>
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		<lastmod>2023-02-07T13:35:09+00:00</lastmod>
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		<lastmod>2023-02-06T06:20:32+00:00</lastmod>
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		<lastmod>2023-02-06T06:20:13+00:00</lastmod>
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		<lastmod>2023-02-06T06:19:14+00:00</lastmod>
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		<lastmod>2023-02-06T06:19:03+00:00</lastmod>
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		<lastmod>2023-02-06T06:15:49+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/debt-ratio</loc>
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		<lastmod>2023-02-06T06:15:33+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/accumulated-earnings-tax</loc>
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		<lastmod>2023-02-06T06:15:31+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/advance-payment</loc>
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		<lastmod>2023-02-06T06:15:12+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/aggregate-stop-loss</loc>
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		<lastmod>2023-02-06T06:15:02+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/deleveraging</loc>
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		<lastmod>2023-02-06T06:14:07+00:00</lastmod>
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		<lastmod>2023-02-06T06:13:52+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/debt-service</loc>
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		<lastmod>2023-02-06T06:13:06+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/tax/dividend-imputation</loc>
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		<lastmod>2023-02-06T06:12:49+00:00</lastmod>
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		<lastmod>2023-02-06T06:12:37+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/days-sales-of-inventory</loc>
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		<lastmod>2023-02-06T06:10:46+00:00</lastmod>
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		<lastmod>2023-02-06T06:10:30+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/financial/debt-restructuring</loc>
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		<lastmod>2023-02-06T06:10:06+00:00</lastmod>
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		<lastmod>2023-02-06T06:09:27+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/small-business/cif</loc>
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		<lastmod>2023-02-06T06:08:53+00:00</lastmod>
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		<lastmod>2023-02-06T06:08:51+00:00</lastmod>
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		<lastmod>2023-02-06T06:08:44+00:00</lastmod>
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		<lastmod>2023-02-06T06:08:28+00:00</lastmod>
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		<lastmod>2023-02-06T06:08:20+00:00</lastmod>
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		<loc>https://www.freshbooks.com/glossary/accounting/accounting-policies</loc>
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