<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://aboutthatratio.com/connect/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/02/cropped-al-mon-lunch-social.png</image:loc><image:title>cropped-al-mon-lunch-social.png</image:title></image:image><lastmod>2022-08-15T16:04:46+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://aboutthatratio.com/2022/07/09/reduce-and-redirect/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2022/07/img_0432.jpg</image:loc><image:title>img_0432</image:title></image:image><lastmod>2022-07-10T11:39:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2022/04/30/push-push-push-push/</loc><lastmod>2022-04-30T13:22:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2022/01/12/meet-the-team-hosting-acquire-or-be-acquired/</loc><lastmod>2022-02-09T13:31:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2022/02/01/how-would-you-define-defi/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2022/02/image.jpg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2022/02/img_0414.jpg</image:loc><image:title>img_0414</image:title></image:image><lastmod>2022-02-02T18:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/aoba/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/12/aoba-growth-assets1200x675.jpg</image:loc><image:title>AOBA Growth Assets1200x675</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/02/img_0297.jpg</image:loc><image:title>IMG_0297</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/02/6058278568.jpg</image:loc><image:title>_6058278568</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0507-3.jpg</image:loc><image:title>It is hard to share just how big this year's TV is!</image:title><image:caption>Nearly impossible to get a picture that does justice to how big this event has become (and how big the screen really is!)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0534.jpg</image:loc><image:title>IMG_0534</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/aoba-demographics.jpg</image:loc><image:title>AOBA Demographics</image:title></image:image><lastmod>2022-01-31T13:39:21+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://aboutthatratio.com/2022/01/28/what-to-expect-at-the-2022-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2022/01/img_6913.jpg</image:loc><image:title>IMG_6913</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2022/01/thunder-mountain.jpg</image:loc><image:title>Thunder Mountain</image:title></image:image><lastmod>2022-01-28T12:34:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/videos/</loc><lastmod>2022-01-13T17:58:53+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://aboutthatratio.com/2021/09/17/creating-options/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2021/09/tempimagekdsrzm.jpg</image:loc><image:title>tempImagekDsrzM</image:title></image:image><lastmod>2021-09-17T18:01:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/05/25/the-southstate-podcast-my-take-on-banking-leadership-and-fintech/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2021/05/the-community-bank-podcast_the-hallmarks-of-great-community-bank-leaders-with-al-dominick_051421.jpg</image:loc><image:title>The Community Bank Podcast_The Hallmarks of Great Community Bank Leaders with Al Dominick_051421</image:title></image:image><lastmod>2021-05-25T18:11:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/04/09/baseballs-best-and-fintech-relationships/</loc><lastmod>2021-04-09T18:56:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/01/09/inspired-by-acquire-or-be-acquired/</loc><lastmod>2021-02-16T15:45:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/02/16/inspired-by-bankings-modernization-efforts/</loc><lastmod>2021-02-16T15:42:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/02/04/a-conversation-with-richard-davis-about-listening-learning-and-leading/</loc><lastmod>2021-02-04T19:44:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/01/28/inspired-by-the-joshua-tree/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2021/01/the-joshua-tree.jpg</image:loc><image:title>_____NWS_RPE-L-U2-SL-002_.jpg</image:title><image:caption>The album by U2, The Joshua Tree. &#13;
(Stan Lim, The Press-Enterprise/SCNG)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2021/01/the-joshua-tree-758x758-1.jpg</image:loc><image:title>the-joshua-tree-758x758</image:title></image:image><lastmod>2021-01-28T13:21:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/01/05/5-years-ago/</loc><lastmod>2021-01-05T15:45:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2021/01/03/heres-to-the-optimists/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/12/2021-about-that-ratio.png</image:loc><image:title>2021 About That Ratio</image:title></image:image><lastmod>2021-01-03T14:58:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/posts/</loc><lastmod>2020-12-28T14:50:24+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://aboutthatratio.com/2020/12/28/how-a-cat-named-jackson-ties-into-the-biggest-tech-ipo-in-15-years/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/11/ncino-holiday-blog-cover.png</image:loc><image:title>nCino Holiday Blog Cover</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/10/4q20-cover.jpg</image:loc><image:title>4Q20 Cover</image:title></image:image><lastmod>2020-12-28T14:09:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/11/04/what-apis-can-do-for-your-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/11/api-overview-2.png</image:loc><image:title>API Overview-2</image:title></image:image><lastmod>2020-11-04T17:42:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/10/07/what-is-finxtech-connect/</loc><lastmod>2020-10-07T20:35:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/05/15/predicting-the-future-based-on-6-timeless-tenets/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/05/screen-shot-2020-05-15-at-12.02.31-pm.png</image:loc><image:title>Screen Shot 2020-05-15 at 12.02.31 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/05/screen-shot-2020-05-15-at-12.02.13-pm.png</image:loc><image:title>Screen Shot 2020-05-15 at 12.02.13 PM</image:title></image:image><lastmod>2020-10-07T19:14:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/08/31/tech-trends-in-banking-since-wfh-began/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/technology-trends-summer-2021.png</image:loc><image:title>technology trends summer 2021</image:title></image:image><lastmod>2020-08-31T17:23:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/08/26/the-transformative-deal-in-digital-health/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/teladoc.png</image:loc><image:title>Teladoc</image:title></image:image><lastmod>2020-08-27T15:18:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/08/17/when-will-bank-mergers-return/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/2020-aoba-summer-series-2.png</image:loc><image:title>2020 AOBA Summer Series-2</image:title></image:image><lastmod>2020-08-17T12:10:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/08/14/my-conversation-with-the-ceo-of-atlantic-union-bankshares/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/aoba-summer-series-ceo-conversation.png</image:loc><image:title>AOBA Summer Series - CEO Conversation</image:title></image:image><lastmod>2020-08-14T16:33:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/08/12/streaming-now-the-aoba-summer-series/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/screen-shot-2020-08-12-at-5.21.46-pm.png</image:loc><image:title>Screen Shot 2020-08-12 at 5.21.46 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/screen-shot-2020-08-12-at-5.21.32-pm.png</image:loc><image:title>Screen Shot 2020-08-12 at 5.21.32 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/08/2020-aoba-summer-series.png</image:loc><image:title>2020 AOBA Summer Series</image:title></image:image><lastmod>2020-08-12T21:32:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/06/24/who-is-the-next-ncino/</loc><lastmod>2020-06-24T19:50:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/05/26/2-years-worth-of-transformation-in-2-months/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/05/painting-blog-banner-2.png</image:loc><image:title>Painting Blog Banner-2</image:title></image:image><lastmod>2020-05-26T22:37:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/05/02/experience-finxtech-as-we-wfh/</loc><lastmod>2020-05-02T13:55:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/03/05/freeing-up-funds-to-invest-in-digital-channels/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/03/bank_director_2020_az_709.jpg</image:loc><image:title>bank_director_2020_az_709</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/03/bank_director_2020_az_468.jpg</image:loc><image:title>bank_director_2020_az_468</image:title></image:image><lastmod>2020-03-05T13:04:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/03/04/5-questions-im-asking-about-the-state-of-banking/</loc><lastmod>2020-03-05T00:58:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2020/01/22/acquire-or-be-acquired-whats-all-the-fuss-about/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/01/screen-shot-2020-01-20-at-4.21.22-pm.png</image:loc><image:title>Screen Shot 2020-01-20 at 4.21.22 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2020/01/whats-all-the-fuss-about.png</image:loc><image:title>What's all the fuss about?</image:title></image:image><lastmod>2020-01-22T13:31:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/looking-ahead/</loc><lastmod>2019-08-13T22:06:31+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://aboutthatratio.com/2019/07/16/our-partnership-with-nasdaq/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/07/img_0086-1.jpg</image:loc><image:title>img_0086-1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/07/img_0088.jpg</image:loc><image:title>img_0088</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/07/img_0089.jpg</image:loc><image:title>img_0089</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/07/img_0087.jpg</image:loc><image:title>img_0087</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/07/img_0086.jpg</image:loc><image:title>img_0086</image:title></image:image><lastmod>2019-07-16T18:31:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/06/11/as-i-prepare-to-open-this-years-bank-audit-risk-committees-conference-in-chicago-let-me-ask-you-how-does-the-executive-team-at-your-biggest-competitor-think-about-their-future-are-they-f/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/06/img_0466.jpg</image:loc><image:title>img_0466</image:title></image:image><lastmod>2019-06-11T11:11:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/05/17/thanks-to-ncino-for-inviting-me-to-speak/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/global-banking-panel-3.jpg</image:loc><image:title>Global Banking Panel 3</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_9882.jpg</image:loc><image:title>IMG_9882</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_9875.jpg</image:loc><image:title>IMG_9875</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_9859.jpg</image:loc><image:title>IMG_9859</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_9868.jpg</image:loc><image:title>IMG_9868</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_ba901dfc2d91-1.jpeg</image:loc><image:title>IMG_BA901DFC2D91-1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/img_5506.jpg</image:loc><image:title>IMG_5506</image:title></image:image><lastmod>2019-05-23T19:26:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/05/06/3-approaches-to-shaping-a-banks-digital-future/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/05/ab4da325-4651-495a-9919-06d0f7b08249.jpg</image:loc><image:title>AB4DA325-4651-495A-9919-06D0F7B08249</image:title></image:image><lastmod>2019-05-07T01:17:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/02/01/5-trends-from-acquire-or-be-acquired-2019/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/02/fullsizeoutput_1b40.jpeg</image:loc><image:title>fullsizeoutput_1b40</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/02/img_a6e019ff05fe-1.jpeg</image:loc><image:title>IMG_A6E019FF05FE-1</image:title></image:image><lastmod>2019-02-01T19:30:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/01/28/daily-briefing-sunday-at-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/01/img_7839.jpg</image:loc><image:title>img_7839</image:title></image:image><lastmod>2019-01-28T23:52:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/01/25/everything-you-need-to-know-about-2019s-acquire-or-be-acquired-conference/</loc><lastmod>2019-01-25T13:18:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2019/01/22/on-the-horizon-for-bank-ceos-their-leadership-teams-and-boards/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2019/01/ma-infographic-final_1.png</image:loc><image:title>ma-infographic-final_1</image:title></image:image><lastmod>2019-01-22T14:12:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/12/09/an-optimists-dilemma/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/12/81ydhsba2kl-e1544357716418.jpg</image:loc><image:title>Leadership in Turbulent Times</image:title></image:image><lastmod>2018-12-09T12:19:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/11/02/making-great-hires/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/11/img_1963.jpg</image:loc><image:title>IMG_1963</image:title></image:image><lastmod>2018-11-02T14:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/09/08/ive-spent-the-last-8-years-engaged-in-board-level-conversations-this-is-what-ive-found/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/09/img_5599.jpg</image:loc><image:title>IMG_5599</image:title></image:image><lastmod>2018-09-08T15:23:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/08/28/podcasts-focused-on-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/08/img_5473.jpg</image:loc><image:title>IMG_5473</image:title></image:image><lastmod>2018-08-28T16:27:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/07/31/an-early-look-at-the-2019-acquire-or-be-acquired-conference/</loc><lastmod>2018-08-03T03:00:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/06/13/what-bank-directors-think/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/06/aboutthatratio.jpg</image:loc><image:title>AboutThatRatio</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/06/kicking-off-our-bank-audit-risk-committees-conference.jpg</image:loc><image:title>Kicking off our Bank Audit &amp; Risk Committees Conference</image:title></image:image><lastmod>2018-06-13T15:56:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/06/12/3-trends-and-3-issues-every-banks-board-needs-to-consider/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/06/audit16x9.jpg</image:loc><image:title>Audit16x9</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/06/img_3105.jpg</image:loc><image:title>IMG_3105</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/06/fullsizeoutput_1a7d.jpeg</image:loc><image:title>fullsizeoutput_1a7d</image:title></image:image><lastmod>2018-06-12T15:16:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/05/11/3-ways-banks-can-pick-up-their-pace-of-creativity/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/05/img_2712.jpg</image:loc><image:title>IMG_2712</image:title></image:image><lastmod>2018-06-08T12:29:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/05/12/the-best-of-finxtechs-annual-summit/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/05/dsc03946.jpg</image:loc><image:title>DSC03946</image:title></image:image><lastmod>2018-05-12T19:31:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/05/10/banks-make-your-move-into-the-cloud/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/05/img_2678.jpg</image:loc><image:title>IMG_2678</image:title></image:image><lastmod>2018-05-10T22:07:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/05/10/kicking-off-finxtechs-summit/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/05/img_2682.jpg</image:loc><image:title>IMG_2682</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/05/img_2689.jpg</image:loc><image:title>IMG_2689</image:title></image:image><lastmod>2018-05-10T04:09:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/05/08/the-intersection-of-ideas-and-opportunities/</loc><lastmod>2018-05-08T13:55:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/04/19/3-key-regtech-themes/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/04/cg-20180418-finxtech-608.jpg</image:loc><image:title>CG-20180418-FinXTech-608</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/04/cg-20180418-finxtech-608_preview.jpeg</image:loc><image:title>CG-20180418-FinXTech-608_preview</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/04/img_2226.jpg</image:loc><image:title>IMG_2226</image:title></image:image><lastmod>2018-04-20T18:13:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/16/departing-administration-leaves-gift-of-fintech-principles/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/03172014.jpg</image:loc><image:title>03172014</image:title><image:caption>Photo of the White House c/o the Office of Intergovernmental Affairs photo gallery</image:caption></image:image><lastmod>2018-04-07T15:16:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/04/06/shh-disruption-in-banking-continues/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/04/img_1956.jpg</image:loc><image:title>IMG_1956</image:title></image:image><lastmod>2018-04-06T14:57:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/03/14/trending-topics-from-cbalive/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/03/img_1166.jpg</image:loc><image:title>IMG_1166</image:title></image:image><lastmod>2018-03-14T18:36:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/03/02/lessons-in-leadership-c-o-david-rubenstein/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/03/david-rubenstein-at-pnc-on-march-2.jpg</image:loc><image:title>David Rubenstein at PNC on March 2</image:title></image:image><lastmod>2018-03-03T10:53:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/02/01/the-best-of-bank-directors-2018-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/02/img_0607.png</image:loc><image:title>IMG_0607</image:title></image:image><lastmod>2018-02-01T15:11:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/01/27/21-reasons-i-am-excited-about-acquire-or-be-acquired/</loc><lastmod>2018-02-01T14:35:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/01/30/do-you-know-these-3-cs-of-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0548.jpg</image:loc><image:title>IMG_0548</image:title></image:image><lastmod>2018-01-30T16:21:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/01/29/5-trending-topics-at-the-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0507-2.jpg</image:loc><image:title>IMG_0507 2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0494.jpg</image:loc><image:title>IMG_0494</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/img_0510-2.jpg</image:loc><image:title>IMG_0510 2</image:title></image:image><lastmod>2018-01-29T13:15:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/01/28/10-questions-i-plan-to-ask-during-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/the-arizona-biltmores-main-pool.jpg</image:loc><image:title>The Arizona Biltmore's main pool</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/the-entrance-to-the-arizona-biltmore.jpg</image:loc><image:title>The entrance to the Arizona Biltmore</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2018/01/fullsizeoutput_19f2.jpeg</image:loc><image:title>fullsizeoutput_19f2</image:title></image:image><lastmod>2018-01-29T00:11:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2018/01/24/three-things-to-know-about-the-digital-delivery-of-financial-products-and-services/</loc><lastmod>2018-01-24T12:05:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/12/07/ranking-the-10-biggest-banks/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/12/screen-shot-2017-12-07-at-6-39-28-am.png</image:loc><image:title>Screen Shot 2017-12-07 at 6.39.28 AM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/12/805x302.jpg</image:loc><image:title>805x302</image:title></image:image><lastmod>2017-12-07T13:45:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/10/16/blockchain-what-it-is-and-how-it-works/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/10/blockchain-at-30000ft.jpg</image:loc><image:title>Blockchain at 30000ft</image:title></image:image><lastmod>2017-10-16T18:59:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/09/25/strong-board-strong-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/img_2564.jpg</image:loc><image:title>img_2564</image:title></image:image><lastmod>2017-10-01T23:34:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/09/26/bank-ceos-and-their-boards-can-lay-claim-to-these-5-technologies/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/sp150815allblacksk32.jpg</image:loc><image:title>New Zealand vs. Australia --- Rugby --- Rugby Championship --- 15/08/2015</image:title><image:caption>Auckland, New Zealand - August 15, 2015 - Kieran Read, Richie McCaw and Maa Nonu of the All Blacks (front row L-R) perform the Haka ahead of The Rugby Championship match between the New Zealand All Blacks and the Australia Wallabies at Eden Park on August 15, 2015 in Auckland, New Zealand.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/all-blacks-jersey.jpg</image:loc><image:title>All Blacks jersey</image:title></image:image><lastmod>2017-10-01T23:21:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/09/18/a-community-bank-can-build-innovation-into-its-growth-strategy/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/fullsizerender1.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/fullsizerender.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><lastmod>2017-09-21T20:17:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/09/19/the-paths-high-performing-banks-take-to-growth-and-innovation/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/fullsizerender-1221.jpg</image:loc><image:title>FullSizeRender 122</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/09/fullsizerender-122.jpg</image:loc><image:title>Montage Deer Creek</image:title><image:caption>Checking in from Park City, Utah and day two of AFT's Fall Summit</image:caption></image:image><lastmod>2017-09-21T12:50:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/08/22/the-intersection-of-leadership-and-profitability/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/08/fullsizerender-120.jpg</image:loc><image:title>The 5th Hole at Pebble Beach</image:title><image:caption>The 5th Hole at Pebble Beach</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/08/fullsizerender-116.jpg</image:loc><image:title>Pebble Beach, California</image:title><image:caption>Not a bad view from Crowe Horwath's Bank Leadership &amp; Profitability Improvement Conference</image:caption></image:image><lastmod>2017-08-24T12:21:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/08/23/consolidation-trends-in-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/08/the-7th-hole-at-pebble-beach.jpg</image:loc><image:title>The 7th hole at Pebble Beach</image:title></image:image><lastmod>2017-08-24T12:12:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/07/31/bank-directors-2018-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/07/17b71d8f-b42e-4d20-80df-f0a23dcf1e9c-large.jpg</image:loc><image:title>17B71D8F-B42E-4D20-80DF-F0A23DCF1E9C.large</image:title></image:image><lastmod>2017-07-31T16:40:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/07/20/what-makes-mt-a-great-community-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/07/community-bank-7-17-17.png</image:loc><image:title>community-bank-7-17-17</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/07/c1bf956e71c88573f261f5ff7304a61c_f6716.jpg</image:loc><image:title>c1bf956e71c88573f261f5ff7304a61c_f6716</image:title></image:image><lastmod>2017-07-20T11:03:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/06/13/3-disruptive-forces-confronting-banks-and-how-zelle-might-help/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/06/fullsizerender-2.jpg</image:loc><image:title>FullSizeRender 2</image:title></image:image><lastmod>2017-06-14T02:37:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/06/07/looking-for-inspiration-look-to-usaa/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/06/usaa-asd.png</image:loc><image:title>USAA - ASD</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/06/usaa_siglock_2010_rgb_blue_300dpi.gif</image:loc><image:title>USAA_SigLock_2010_RGB_Blue_300dpi</image:title></image:image><lastmod>2017-06-07T12:15:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/05/16/three-strategic-issues-shaping-financial-services/</loc><lastmod>2017-05-16T11:57:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/05/01/address-the-culture-gap-between-banks-and-fintechs/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/05/fintech-summit-at-nasdaq.jpg</image:loc><image:title>FinTech Summit at Nasdaq</image:title></image:image><lastmod>2017-05-01T14:32:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/04/24/a-technology-takeover-on-bankdirector-com/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/screen-shot-2017-04-24-at-8-39-35-am.png</image:loc><image:title>Screen Shot 2017-04-24 at 8.39.35 AM</image:title></image:image><lastmod>2017-04-24T13:23:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/04/04/banks-vs-fintechs/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/fullsizerender-3.jpg</image:loc><image:title>FullSizeRender 3</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/fullsizerender-2.jpg</image:loc><image:title>FullSizeRender 2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/fullsizerender.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/img_8586.jpg</image:loc><image:title>IMG_8586</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/fullsizerender-103.jpg</image:loc><image:title>FullSizeRender 103</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/fullsizerender-106.jpg</image:loc><image:title>FullSizeRender 106</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/img_8588.jpg</image:loc><image:title>IMG_8588</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/cba-live.jpg</image:loc><image:title>CBA Live</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/04/img_7019.jpg</image:loc><image:title>IMG_7019</image:title></image:image><lastmod>2017-04-04T18:37:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/31/inspired-by-u-s-banks-ceo-at-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/thanking-richard-davis.jpg</image:loc><image:title>Thanking Richard Davis</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/richard-davis-chairman-ceo-of-us-bancorp-2017-aoba-keynote-speaker.jpg</image:loc><image:title>richard-davis-chairman-ceo-of-us-bancorp-2017-aoba-keynote-speaker</image:title></image:image><lastmod>2017-03-09T20:43:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/03/09/statement-i-am-all-in-on-iot/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/03/img_8194.jpg</image:loc><image:title>IMG_8194</image:title></image:image><lastmod>2017-03-09T18:40:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/02/17/3-examples-of-nextgen-partnerships/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/building-bridges-001.jpg</image:loc><image:title>building-bridges-001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/building-bridges.jpg</image:loc><image:title>building-bridges</image:title></image:image><lastmod>2017-02-17T17:09:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/02/09/10-banks-and-fintechs-doing-it-right/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/screen-shot-2017-02-08-at-5-06-44-pm-e1508169587829.png</image:loc><image:title>screen-shot-2017-02-08-at-5-06-44-pm</image:title></image:image><lastmod>2017-02-09T12:35:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/02/06/a-look-back-at-aoba-a-week-in-pictures/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank-slide-01.jpg</image:loc><image:title>bank-slide-01</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_131.jpg</image:loc><image:title>bank_director_temporary_number_13</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_25.jpg</image:loc><image:title>bank_director_temporary_number_25</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_22.jpg</image:loc><image:title>bank_director_temporary_number_22</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_21.jpg</image:loc><image:title>bank_director_temporary_number_21</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_20.jpg</image:loc><image:title>bank_director_temporary_number_20</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_19.jpg</image:loc><image:title>bank_director_temporary_number_19</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_18.jpg</image:loc><image:title>bank_director_temporary_number_18</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_151.jpg</image:loc><image:title>bank_director_temporary_number_15</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_17.jpg</image:loc><image:title>bank_director_temporary_number_17</image:title><image:caption>This year's keynote, Richard Davis (Chairman and CEO of US Bancorp).  Tremendously inspiring!</image:caption></image:image><lastmod>2017-02-06T15:00:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/02/03/we-are-on-to-fintech-week/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank-slide-05.jpg</image:loc><image:title>bank-slide-05</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/02/bank_director_temporary_number_23.jpg</image:loc><image:title>bank_director_temporary_number_23</image:title></image:image><lastmod>2017-02-03T15:56:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/30/opportunities-abound-at-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/bank_director_temporary_number_13.jpg</image:loc><image:title>bank_director_temporary_number_13</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/fullsizerender-90.jpg</image:loc><image:title>fullsizerender-90</image:title></image:image><lastmod>2017-02-02T16:46:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/02/01/a-new-research-report-on-marketplace-lending/</loc><lastmod>2017-02-01T16:21:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/02/acquire-or-be-acquired-dont-overlook-this/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/02/al-and-michael-shepherd.jpg</image:loc><image:title>Al and Michael Shepherd</image:title></image:image><lastmod>2017-01-31T13:11:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/30/3-things-to-know-from-day-1-at-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/a-conversation-with-ceos-from-huntington-and-live-oak.jpg</image:loc><image:title>a-conversation-with-ceos-from-huntington-and-live-oak</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/fullsizerender.jpg</image:loc><image:title>fullsizerender</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/img_9221.jpg</image:loc><image:title>img_9221</image:title></image:image><lastmod>2017-01-30T13:09:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/29/trending-at-bank-directors-acquire-or-be-acquired-conference/</loc><lastmod>2017-01-29T22:05:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/28/welcome-to-bank-directors-2017-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/fullsizerender-93.jpg</image:loc><image:title>fullsizerender-93</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/fullsizerender-94.jpg</image:loc><image:title>fullsizerender-94</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/the-front-of-the-jw-marriott-desert-ridge.jpg</image:loc><image:title>the-front-of-the-jw-marriott-desert-ridge</image:title></image:image><lastmod>2017-01-29T03:35:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/26/expect-the-unexpected/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/2017-aoba-conference.jpg</image:loc><image:title>2017-aoba-conference</image:title></image:image><lastmod>2017-01-26T15:15:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/14/3-sources-of-inspiration-for-financial-services-executives/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/epcot.jpg</image:loc><image:title>epcot</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/img_0022.jpg</image:loc><image:title>img_0022</image:title></image:image><lastmod>2017-01-14T15:31:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/10/look-at-who-is-attending-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/bank_director_2016_az_0238.jpg</image:loc><image:title>bank_director_2016_az_0238</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba-sponsors-listed-004.jpg</image:loc><image:title>aoba-sponsors-listed-004</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba-sponsors-listed-005.jpg</image:loc><image:title>aoba-sponsors-listed-005</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba-sponsors-listed-003.jpg</image:loc><image:title>aoba-sponsors-listed-003</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba-sponsors-listed-001.jpg</image:loc><image:title>aoba-sponsors-listed-001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba-sponsors-listed-002.jpg</image:loc><image:title>aoba-sponsors-listed-002</image:title></image:image><lastmod>2017-01-10T19:59:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2017/01/04/eagerly-anticipating-bank-directors-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2017/01/aoba17-01.jpg</image:loc><image:title>aoba17-01</image:title></image:image><lastmod>2017-01-04T15:38:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/08/25/15-banks-and-fintechs-doing-it-right/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/15-examples-new-blog-cover-image-001.jpg</image:loc><image:title>15 examples - new blog cover image.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/15-examples-blog-cover-image-002.jpg</image:loc><image:title>15 examples - blog cover image.002</image:title></image:image><lastmod>2016-12-24T12:23:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/12/21/bank-directors-new-tech-issue/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/12/bank-directors-2016-tech-issue.jpg</image:loc><image:title>bank-directors-2016-tech-issue</image:title></image:image><lastmod>2016-12-21T14:24:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/12/05/the-changing-nature-of-financial-regulation/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/12/img_4813-2.jpg</image:loc><image:title>img_4813-2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/12/penultimatefullsizerender.jpg</image:loc><image:title>penultimatefullsizerender</image:title></image:image><lastmod>2016-12-08T17:55:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/12/02/the-university-of-marylands-marketing-and-finance-super-day/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/12/color-smithlogo.jpg</image:loc><image:title>color-smithlogo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/12/bluee.png</image:loc><image:title>bluee</image:title></image:image><lastmod>2016-12-02T13:53:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/11/28/the-1-reason-that-potential-buyers-and-sellers-walk-away-from-a-bank-ma-deal/</loc><lastmod>2016-11-28T18:07:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/11/10/5-cybersecurity-companies-bank-execs-board-members-need-to-know/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/11/david-ortiz-and-the-boston-redsox-source-boston-redsox.jpg</image:loc><image:title>Texax Rangers v Boston Red Sox</image:title><image:caption>BOSTON, MA - JULY 6: David Ortiz #34 of the Boston Red Sox hits a two-run home run against the Texas Rangers in the first inning on July 6, 2016  at Fenway Park in Boston, Massachusetts. (Photo by Michael Ivins/Boston Red Sox/Getty Images)</image:caption></image:image><lastmod>2016-11-17T20:05:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/10/25/whether-they-want-to-or-not-banks-need-to-open-up/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/10/mg_0113.jpg</image:loc><image:title>_mg_0113</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/10/sunrise-in-amelia-island-not-a-bad-view-to-welcome-attendees-with.jpg</image:loc><image:title>sunrise-in-amelia-island-not-a-bad-view-to-welcome-attendees-with</image:title></image:image><lastmod>2016-10-27T14:29:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/10/21/evaluating-board-performance/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/10/demographics.png</image:loc><image:title>demographics</image:title></image:image><lastmod>2016-10-21T14:20:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/10/18/bank-directors-2017-acquire-or-be-acquired-conference/</loc><lastmod>2016-10-18T16:53:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/09/26/finxtechs-advisory-group/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/09/the-broadmoor-in-colorado-springs-co-9-26-2016.jpg</image:loc><image:title>the-broadmoor-in-colorado-springs-co-9-26-2016</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/09/penultimatefullsizerender-15.jpg</image:loc><image:title>penultimatefullsizerender-15</image:title></image:image><lastmod>2016-10-17T15:59:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/10/14/the-promise-of-8-blockchain-companies/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/10/economist-conferences-finance-disrupted.jpg</image:loc><image:title>economist-conferences-finance-disrupted</image:title></image:image><lastmod>2016-10-14T15:33:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/09/20/what-does-a-board-member-get-paid/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/09/compensationwp_printready_revised-dragged.jpg</image:loc><image:title>compensationwp_printready_revised-dragged</image:title></image:image><lastmod>2016-09-20T10:54:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/09/the-digitization-of-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/dsc07227.jpg</image:loc><image:title>DSC07227</image:title></image:image><lastmod>2016-09-19T20:41:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/08/29/can-banks-keep-up/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/08/fullsizerender-86.jpg</image:loc><image:title>FullSizeRender 86</image:title><image:caption>Sunrise in Sea Island, GA</image:caption></image:image><lastmod>2016-08-29T22:09:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/07/19/creating-better-banking-experiences/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/07/bus2-driver-side.jpg</image:loc><image:title>Bus2-Driver-Side</image:title><image:caption>Fifth Third Bank Financial Empowerment Mobile (eBus)</image:caption></image:image><lastmod>2016-07-20T10:52:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/07/01/without-a-destination-what-good-is-a-map/</loc><lastmod>2016-07-07T12:29:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/18/blockchain-101-a-primer-for-a-banks-ceo-and-board/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/blockchain-001.jpg</image:loc><image:title>blockchain.001</image:title></image:image><lastmod>2016-06-29T16:25:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/06/15/3-challenges-that-comes-with-technology/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/06/06-14-16-bank-directors-4263.jpg</image:loc><image:title>06-14-16 Bank Directors-4263</image:title></image:image><lastmod>2016-06-29T10:34:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/06/13/the-fintech-ecosystem/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/06/fullsizerender-38.jpg</image:loc><image:title>FullSizeRender 38</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/06/img_3043.jpg</image:loc><image:title>IMG_3043</image:title></image:image><lastmod>2016-06-29T10:11:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/06/14/3-key-takeaways-from-bank-directors-audit-risk-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/06/img_6053.jpg</image:loc><image:title>IMG_6053</image:title></image:image><lastmod>2016-06-14T23:23:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/27/banks-have-to-grow-to-be-competitive/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/the-room-is-set-for-bdgrow16-at-the-four-seasons-outside-of-dallas.jpg</image:loc><image:title>The room is set for #BDGrow16 at the Four Seasons outside of Dallas</image:title></image:image><lastmod>2016-05-27T12:36:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/26/growing-the-bank-photo-recap/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/bd160524-173.jpg</image:loc><image:title>bd160524-173</image:title><image:caption>JP Nicols, President &amp; COO at Innosect, talking about innovation</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/michelle-doing-her-thang.jpg</image:loc><image:title>Michelle doing her thang'</image:title><image:caption>Our Chief Brand Officer, Michelle King</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/nice-new-addition-to-our-signage-finxtech.jpg</image:loc><image:title>nice new addition to our signage - FinXTech</image:title><image:caption>Digging the FinXTech signage that joined the BD family!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/rebecca-and-jackie-at-growing-the-bank.jpg</image:loc><image:title>Rebecca and Jackie at Growing the Bank</image:title><image:caption>Thanks to Rebecca - and Jackie (her first conference with us!)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/omg-kelsey-is-trying-to-get-22big22-too.jpg</image:loc><image:title>omg, Kelsey is trying to get %22big%22 too!</image:title><image:caption>omg, our Publisher, Kelsey Weaver, trying to "get big" too!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/for-my-management-team-im-trying-to-get-22big22.jpg</image:loc><image:title>for my management team... I'm trying to get %22big!%22</image:title><image:caption>Trying to "get big" - based on our recent two-day workshop</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/bank-directors-editor-naomi-snyder.jpg</image:loc><image:title>Bank Director's Editor, Naomi Snyder</image:title><image:caption>Bank Director magazine's editor, Naomi Snyder</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/bd160523b-056.jpg</image:loc><image:title>bd160523b-056</image:title><image:caption>Proud of our team's efforts -- Laura Schield runs our events and she and the team did an awesome job!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/power-pose-at-gtb.jpg</image:loc><image:title>Power pose at GTB</image:title><image:caption>Putting into practice what Schatzie Brunner suggested</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/blend-ceo.jpg</image:loc><image:title>Blend CEO</image:title><image:caption>Nima Ghamsari, CEO &amp; Co-Founder, Blend</image:caption></image:image><lastmod>2016-05-26T11:15:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/23/early-takeaways-from-bank-directors-growing-the-bank-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/fullsizerender-36.jpg</image:loc><image:title>FullSizeRender 36</image:title></image:image><lastmod>2016-05-24T02:40:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/05/18/a-banks-future-is-_____/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/05/bank-directors-growing-the-bank-conference.png</image:loc><image:title>Bank Director's Growing the Bank Conference</image:title></image:image><lastmod>2016-05-19T00:08:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/04/30/recognizing-bank-directors-efforts-to-create-positive-change/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4149.jpg</image:loc><image:title>IMG_4149</image:title><image:caption>Teamwork</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4179.jpg</image:loc><image:title>IMG_4179</image:title><image:caption>Detailing the house</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4166.jpg</image:loc><image:title>IMG_4166</image:title><image:caption>Ryan being put to work (again)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4135.jpg</image:loc><image:title>IMG_4135</image:title><image:caption>Getting set for a good morning together</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4165.jpg</image:loc><image:title>IMG_4165</image:title><image:caption>Laura Proffitt looking like a pro</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4146.jpg</image:loc><image:title>IMG_4146</image:title><image:caption>Curious if Linda planted this on her own?</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_4137.jpg</image:loc><image:title>IMG_4137</image:title><image:caption>Clean up time</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/13087377_10153483295262190_4403306504462021093_n.jpg</image:loc><image:title>13087377_10153483295262190_4403306504462021093_n</image:title></image:image><lastmod>2016-04-30T13:20:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/04/28/takeaways-from-commerce-street-capitals-banking-conference/</loc><lastmod>2016-04-29T13:36:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/04/08/our-first-quarter-in-pictures/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/tom-michaud-and-me.jpg</image:loc><image:title>Tom Michaud and me</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/bank_director_2016_az_0593.jpg</image:loc><image:title>bank_director_2016_az_0593</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/bank_director_2016_az_0458.jpg</image:loc><image:title>bank_director_2016_az_0458</image:title><image:caption>post-Keynote Q&amp;A at AOBA</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/bank_director_2016_az_0312.jpg</image:loc><image:title>bank_director_2016_az_0312</image:title><image:caption>moderating the Seidman Panel series</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_1473.jpg</image:loc><image:title>IMG_1473</image:title><image:caption>The Breakers - home to this year's Chairman/CEO Peer exchange</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_1440.jpg</image:loc><image:title>IMG_1440</image:title><image:caption>Someone's getting their laps in at the Breakers before our Chairman/CEO Peer Exchange (any guesses?)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/img_0556.jpg</image:loc><image:title>IMG_0556</image:title><image:caption>Team Bank Director out on the golf course</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/penultimatefullsizerender.jpg</image:loc><image:title>PenultimateFullSizeRender</image:title><image:caption>On display during AOBA setup</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/fullsizerender-28.jpg</image:loc><image:title>FullSizeRender 28</image:title><image:caption>On sale at AOBA setup</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/penultimatefullsizerender-2.jpg</image:loc><image:title>PenultimateFullSizeRender 2</image:title><image:caption>The classic car auction at the Arizona Biltmore was a nice touch for this year's AOBA</image:caption></image:image><lastmod>2016-04-08T20:18:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/04/04/the-convergence-of-bob-dylan-and-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/bob_dylan_-_the_times_they_are_a-changin.jpg</image:loc><image:title>Bob_Dylan_-_The_Times_They_are_a-Changin</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/04/al-dominick-at-nasdaqs-marketsite.png</image:loc><image:title>Al Dominick at Nasdaq's MarketSite</image:title></image:image><lastmod>2016-04-04T16:04:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/03/21/cybersecurity-and-the-fintech-wave/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/cyber-blog-image.jpg</image:loc><image:title>cyber blog image</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/bigstock-bear-trap-38159869-e1370296224125.jpg</image:loc><image:title>bigstock-Bear-Trap-38159869-e1370296224125</image:title></image:image><lastmod>2016-03-21T11:30:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/03/07/banking-on-fintech-dna/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/new-dna-panel.jpg</image:loc><image:title>New DNA Panel</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/banks-dna-001.jpg</image:loc><image:title>banks dna.001</image:title></image:image><lastmod>2016-03-07T15:15:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/03/02/3-quick-takeaways-from-fintech16-aka-bank-directors-fintech-day-at-nasdaqs-marketsite/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/fullsizerender-26.jpg</image:loc><image:title>FullSizeRender 26</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/fintech-day-deck1-dragged-1.jpg</image:loc><image:title>FinTech Day Deck1 (dragged) 1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/fintech-day-deck1-dragged.jpg</image:loc><image:title>FinTech Day Deck1 (dragged)</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/03/7-elements-of-a-digital-bank-by-bank-director-and-finxtech.png</image:loc><image:title>7 elements of a digital bank - by Bank Director and FinXTech</image:title></image:image><lastmod>2016-03-02T20:12:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/29/march-1-is-fintech-day/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/02/mc_090814108-3525240028-o.jpg</image:loc><image:title>mc_090814108-3525240028-O</image:title></image:image><lastmod>2016-02-29T16:34:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/31/current-challenges-facing-bank-executives-in-2016-a-video-overview-from-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/bank_director_2016_az_0310.jpg</image:loc><image:title>bank_director_2016_az_0310</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/img_0519.jpg</image:loc><image:title>IMG_0519</image:title></image:image><lastmod>2016-02-25T03:16:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/23/fintech-in-2016-a-whole-lot-of-collaboration/</loc><lastmod>2016-02-24T13:11:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/23/fintech-day-is-one-week-away/</loc><lastmod>2016-02-23T14:58:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/22/banks-are-feeling-the-pressure-to-grow/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/02/img_0569.jpg</image:loc><image:title>IMG_0569</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/02/bank-director-and-crowe-horwath-llp-aoba-info.jpg</image:loc><image:title>Bank Director and Crowe Horwath LLP AOBA info</image:title></image:image><lastmod>2016-02-22T12:15:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/02/community-and-regional-banks-are-crucial-to-the-vibrancy-of-our-communities/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/02/bd_2016_temp_015.jpg</image:loc><image:title>BD_2016_temp_015</image:title></image:image><lastmod>2016-02-05T15:04:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/30/welcome-to-the-arizona-biltmore-and-bank-directors-22nd-annual-aoba/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/img_0502.jpg</image:loc><image:title>IMG_0502</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/img_0521-2.jpg</image:loc><image:title>IMG_0521 2</image:title></image:image><lastmod>2016-02-01T12:17:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/02/01/whats-happening-at-acquire-or-be-acquired/</loc><lastmod>2016-02-01T12:13:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/29/9-banks-i-bet-people-will-be-talking-about-at-acquire-or-be-acquired/</loc><lastmod>2016-01-30T12:39:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/27/five-reasons-why-banks-might-consider-selling-in-2016/</loc><lastmod>2016-01-27T13:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/26/7-bank-ma-trends-for-2016/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/the-arizona-biltmore-co-al-dominick.jpg</image:loc><image:title>The Arizona Biltmore c:o Al Dominick</image:title></image:image><lastmod>2016-01-26T13:15:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2016/01/25/4-things-to-know-in-advance-of-bank-directors-2016-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/2016-aoba-demographics-co-bank-director-and-al-dominick.png</image:loc><image:title>2016 AOBA Demographics c:o Bank Director and Al Dominick</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2016/01/bank-directors-2016-acquire-or-be-acquired-conference.png</image:loc><image:title>Bank DIrector's 2016 Acquire or Be Acquired Conference</image:title></image:image><lastmod>2016-01-25T13:07:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/12/23/bank-directors-annual-tech-issue-is-now-available-for-free/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/12/december-2015-bank-directors-tech-issue.jpg</image:loc><image:title>December 2015 - Bank Director's Tech Issue</image:title></image:image><lastmod>2015-12-23T13:17:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/12/04/how-we-are-taking-a-lean-startup-approach-to-our-grown-up-business/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/bank-director-magazine-digital.jpg</image:loc><image:title>Bank Director magazine - digital</image:title><image:caption>2015</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/bank-director-magazine-digital.png</image:loc><image:title>Bank Director magazine - digital</image:title><image:caption>2015</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/three-horizons-1.jpg</image:loc><image:title>three-horizons-1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/bank-director-magazine-old.jpg</image:loc><image:title>Bank Director magazine (old)</image:title><image:caption>2007</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/bank-director-magazine-new.png</image:loc><image:title>Bank Director magazine (new)</image:title><image:caption>2014</image:caption></image:image><lastmod>2015-12-04T18:24:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/11/18/size-scale-the-king-and-queen-of-bank-ma/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/11/wall-street-journal-article.jpg</image:loc><image:title>Wall Street Journal article</image:title></image:image><lastmod>2015-11-19T01:16:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/10/20/while-everybodys-talking-about-the-future-of-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/screen-shot-2015-09-20-at-3-55-08-pm.png</image:loc><image:title>c/o Bank Director</image:title></image:image><lastmod>2015-10-20T11:36:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/10/14/how-fintech-mergers-are-reshaping-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/img_7585.jpg</image:loc><image:title>Seattle</image:title></image:image><lastmod>2015-10-14T15:59:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/10/08/5-fintechs-im-keen-on/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/5-to-watch-finxtech-001.jpg</image:loc><image:title>5 to watch - FinXTech.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/logo2.png</image:loc><image:title>logo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/logo1.png</image:loc><image:title>logo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/blend-labs.png</image:loc><image:title>Blend labs</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/adyen-logo.png</image:loc><image:title>adyen-logo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/10/logo.png</image:loc><image:title>logo</image:title></image:image><lastmod>2015-10-09T16:11:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/09/29/banking-on-millennials/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/09/fullsizerender-22.jpg</image:loc><image:title>a welcoming message from Haute Cakes Cafe</image:title></image:image><lastmod>2015-09-29T21:34:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/09/08/quick-guide-2015-growth-strategy-survey-bank-specific/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/09/c4s_bucs082515e_15763889_8col.jpg</image:loc><image:title>c4s_bucs082515e_15763889_8col</image:title><image:caption>Bucs players run out onto the field from the tunnel for their first home preseason game at Raymond James Stadium. credit goes to DIRK SHADD | Times </image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/09/colin-kaepernickjpg-f834eaaac1166444-1.jpg</image:loc><image:title>colin-kaepernickjpg-f834eaaac1166444-1</image:title><image:caption>Colin Kapernick - QB of the SF 49ers c/o Google</image:caption></image:image><lastmod>2015-09-08T12:35:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/09/01/18-banks-that-fintech-companies-need-to-know/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/unicorns-002.jpg</image:loc><image:title>unicorns.002</image:title></image:image><lastmod>2015-09-01T12:12:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/08/11/pushing-forward-the-future-of-financial-services/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/svb-screen-shot-2015-08-10-at-7-18-39-pm.jpg</image:loc><image:title>SVB Screen Shot 2015-08-10 at 7.18.39 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/screen-shot-2015-08-10-at-7-11-52-pm.png</image:loc><image:title>Screen Shot 2015-08-10 at 7.11.52 PM</image:title></image:image><lastmod>2015-08-11T11:41:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/08/07/how-capital-one-can-inspire-your-digital-efforts/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/darwin.jpg</image:loc><image:title>Darwin</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/fintech-001.jpg</image:loc><image:title>fintech.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/08/digital-logo-001.jpg</image:loc><image:title>digital logo.001</image:title></image:image><lastmod>2015-08-07T11:53:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/07/29/quick-guide-bankings-digital-transformation-payments/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/07/screen-shot-2015-07-28-at-9-30-57-pm.png</image:loc><image:title>Stripe.com</image:title></image:image><lastmod>2015-07-29T12:04:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/07/28/the-5-corners-of-technological-innovation-in-financial-services/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/07/image-co-wells-fargo.jpg</image:loc><image:title>image c:o Wells Fargo</image:title></image:image><lastmod>2015-07-28T10:53:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/06/16/what-to-do-with-fintech/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/fullsizerender-18.jpg</image:loc><image:title>Millenium Park in Chicago</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/fullsizerender-17.jpg</image:loc><image:title>Millenium Park in Chicago</image:title></image:image><lastmod>2015-06-16T12:26:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/06/12/main-areas-of-focus-for-a-banks-audit-and-risk-committees/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/point-counterpoint-at-bdaudit15.jpg</image:loc><image:title>point counterpoint at #BDAudit15</image:title></image:image><lastmod>2015-06-12T16:21:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/06/11/how-to-understand-a-banks-audit-and-risk-committees-issues-in-three-steps/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/the-bean-in-the-early-morning.jpg</image:loc><image:title>The Bean in the early morning</image:title></image:image><lastmod>2015-06-11T20:45:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/06/10/quick-guide-bank-mergers-acquisitions/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/fullsizerender-19.jpg</image:loc><image:title>A look out on Millennium Park (photo c/o Bank Director's Lucy Taylor)</image:title><image:caption>A look out on Millennium Park (photo c/o Bank Director's Lucy Taylor)</image:caption></image:image><lastmod>2015-06-10T12:26:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/06/09/a-complete-guide-to-bank-directors-audit-risk-committees-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/06/screen-shot-2015-06-08-at-2-03-43-pm.png</image:loc><image:title>Screen Shot 2015-06-08 at 2.03.43 PM</image:title></image:image><lastmod>2015-06-09T12:56:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/05/22/the-week-in-pictures-inspired-by-a-new-app-digmag/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3507.jpg</image:loc><image:title>IMG_3507</image:title><image:caption>oink oink</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3057.jpg</image:loc><image:title>IMG_3057</image:title><image:caption>Thanking Clayton Robertson</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3056.jpg</image:loc><image:title>IMG_3056</image:title><image:caption>Hugging it out w/ Michelle</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3063.jpg</image:loc><image:title>IMG_3063</image:title><image:caption>I wonder who's behind the glass</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_35471.jpg</image:loc><image:title>IMG_3547</image:title><image:caption>Mika getting down to business</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-51.jpg</image:loc><image:title>FullSizeRender-5</image:title><image:caption>Great to welcome friends &amp; family to celebrate with us</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-5.jpg</image:loc><image:title>FullSizeRender-5</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3559.jpg</image:loc><image:title>Staci, Kel$ey and Laura holding court</image:title><image:caption>Staci, Kel$ey and Laura holding court</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3547.jpg</image:loc><image:title>IMG_3547</image:title><image:caption>Mika getting down to business</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3537.jpg</image:loc><image:title>IMG_3537</image:title><image:caption>Michelle entertaining her husband</image:caption></image:image><lastmod>2015-05-22T12:13:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/05/19/theres-a-new-app-for-that/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-16.jpg</image:loc><image:title>FullSizeRender 16</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_3447.jpg</image:loc><image:title>IMG_3447</image:title><image:caption>Why we got dressed up</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-15.jpg</image:loc><image:title>Giving thanks for the new dig'mag</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-18.jpg</image:loc><image:title>New dig'mag</image:title></image:image><lastmod>2015-05-19T11:45:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/05/13/bank-mergers-and-acquisitions-2/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/arizona-biltmore.jpg</image:loc><image:title>Arizona Biltmore</image:title><image:caption>The Arizona Biltmore, home to Bank Director's 2016 Acquire or Be Acquired conference</image:caption></image:image><lastmod>2015-05-13T10:48:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/05/05/reaching-for-the-summit/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/fullsizerender-17.jpg</image:loc><image:title>DCA</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/unbundling-of-a-bank-v2-cropped.png</image:loc><image:title>Unbundling-of-a-bank-V2-cropped</image:title><image:caption>source: CB Insights</image:caption></image:image><lastmod>2015-05-08T11:46:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/05/01/this-week-in-pictures-new-orleans/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/img_2927.jpg</image:loc><image:title>IMG_2927</image:title><image:caption>no words needed</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/gh9a98501.jpg</image:loc><image:title>GH9A9850</image:title><image:caption>Kelsey with a few of our sponsors  (photo c/o Linda Reineke, Riverview Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/gh9a00253.jpg</image:loc><image:title>GH9A0025</image:title><image:caption>Mika with some of our guests  (photo c/o Linda Reineke, Riverview Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/05/gh9a00252.jpg</image:loc><image:title>GH9A0025</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/gh9a9217.jpg</image:loc><image:title>Ron Samuels</image:title><image:caption>Thanks to our friend Ron Samuels, CEO of Avenue Bank, for sharing his IPO story with us (photo c/o Linda Reineke, Riverview Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/gh9a9576.jpg</image:loc><image:title>GH9A9576</image:title><image:caption>Jack &amp; the head of BNY Mellon's Strategic Growth Initiatives (photo c/o Linda Reineke, Riverview Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/img_0906.jpg</image:loc><image:title>IMG_0906</image:title><image:caption>Michelle &amp; Laura, coordinated and tied-to-the-hip!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/gh9a9085-2.jpg</image:loc><image:title>GH9A9085-2</image:title><image:caption>Still trying to figure out what to do with our hands (photo c/o Linda Reineke, Riverview Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/fullsizerender-14.jpg</image:loc><image:title>FullSizeRender-14</image:title><image:caption>921 Canal Street... our "home-away-from-home" aka the Ritz-Carlton</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/fullsizerender-16.jpg</image:loc><image:title>Jackson Square in the evening</image:title></image:image><lastmod>2015-05-01T11:00:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/04/29/banking-millennials/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/img_2959.jpg</image:loc><image:title>Strolling through New Orleans</image:title></image:image><lastmod>2015-04-30T20:06:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/04/28/three-observations-from-the-bank-board-growth-innovation-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/img_2931.jpg</image:loc><image:title>Charles Street, New Orleans</image:title></image:image><lastmod>2015-04-28T21:43:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/04/27/looking-for-great-fintech-ideas/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/ritz_neworleans_istock_000029080896_galleries_1280x720.jpg</image:loc><image:title>Ritz_NewOrleans_iStock_000029080896_galleries_1280x720</image:title></image:image><lastmod>2015-04-28T02:39:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/04/21/the-fight-for-relevancy/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/pdf-dragged-1.jpg</image:loc><image:title>PDF (dragged) 1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/pdf-dragged.jpg</image:loc><image:title>PDF (dragged)</image:title></image:image><lastmod>2015-04-22T00:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/04/14/mid-april-bank-notes/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/04/fullsizerender-12.jpg</image:loc><image:title>My notebook</image:title></image:image><lastmod>2015-04-14T17:36:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/08/08/dont-be-crowdsourced-out-of-business/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/08/650x366_08051324_shark.jpg</image:loc><image:title>650x366_08051324_shark</image:title></image:image><lastmod>2015-04-06T19:15:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/31/how-the-math-works-for-non-financial-service-companies/</loc><lastmod>2015-03-31T11:18:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/24/about-that-elephant-coming-out-of-the-corner-hello-cyber-security-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/dsc_0543.jpg</image:loc><image:title>Elephant at the San Diego Zoo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/african-elephant_435_600x450.jpg</image:loc><image:title>african-elephant_435_600x450</image:title></image:image><lastmod>2015-03-24T13:42:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/17/risk-management-most-certainly-an-ongoing-process/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/fintech-logo-001.jpg</image:loc><image:title>FinTech logo.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/risk-logo-001.jpg</image:loc><image:title>Risk logo.001</image:title></image:image><lastmod>2015-03-17T12:15:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/10/finding-that-competitive-fintech-edge/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/fullsizerender-10.jpg</image:loc><image:title>FullSizeRender-10</image:title></image:image><lastmod>2015-03-11T09:32:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/05/be-skeptical-diligent-and-courageous/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/pictapgo-image.jpg</image:loc><image:title>PicTapGo-Image</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/training-demographic-slide.jpg</image:loc><image:title>Training-Demographic-slide</image:title></image:image><lastmod>2015-03-05T23:03:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/04/youre-never-too-experienced/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/2014-08-01-liston2.jpg</image:loc><image:title>CLAY LISTON</image:title></image:image><lastmod>2015-03-04T15:13:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/03/03/keeping-up-with-jpmorgan-chase/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/img_1922.jpg</image:loc><image:title>IMG_1922</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/03/j-p-morgan-chase-co-logo-wallpaper-image.jpg</image:loc><image:title>J.P.-Morgan-Chase-Co.-Logo-Wallpaper-Image</image:title></image:image><lastmod>2015-03-03T12:54:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/02/10/focused-on-financial-analytics/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/fintech-focused-001.jpg</image:loc><image:title>FinTech Focused.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/clearstory-data-logo.png</image:loc><image:title>clearstory-data-logo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/screen-shot-2015-02-09-at-8-39-36-pm.png</image:loc><image:title>Screen Shot 2015-02-09 at 8.39.36 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/unknown.png</image:loc><image:title>Unknown</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/02/fullsizerender-3.jpg</image:loc><image:title>FullSizeRender-3</image:title></image:image><lastmod>2015-02-10T15:36:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/30/bank-directors-2015-acquire-or-be-acquired-conference-a-week-in-pictures/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/themed.jpg</image:loc><image:title>themed</image:title><image:caption>Dimming the lights (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/tom-and-al.jpg</image:loc><image:title>Tom and Al</image:title><image:caption>Big thanks to KBW for their continued support - their CEO and me (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/a-bank-director-tradition.jpg</image:loc><image:title>a Bank Director tradition</image:title><image:caption>Handrolled (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/point-counterpoint.jpg</image:loc><image:title>point counterpoint</image:title><image:caption>Stepping to the podium (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/golf-tournament.jpg</image:loc><image:title>golf tournament</image:title><image:caption>Thx to all our sponsors (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/breakout-room.jpg</image:loc><image:title>breakout room</image:title><image:caption>A full breakout session (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/phoenician-reception.jpg</image:loc><image:title>phoenician reception</image:title><image:caption>Loved the Phoenician (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/who-is-that-on-stage.jpg</image:loc><image:title>who is that on stage</image:title><image:caption>The BD orange (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/the-team.jpg</image:loc><image:title>the team</image:title><image:caption>The team! (c/o Alstrin Photography)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/come-on-in.jpg</image:loc><image:title>come on in</image:title><image:caption>Come on in (c/o Alstrin Photography)</image:caption></image:image><lastmod>2015-01-30T13:11:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/27/from-bank-directors-2015-acquire-or-be-acquired-conference-a-45-second-video-recap-of-day-two/</loc><lastmod>2015-01-29T21:46:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/28/wrapping-up-bank-directors-2015-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/aoba16.jpg</image:loc><image:title>AOBA16</image:title></image:image><lastmod>2015-01-28T14:09:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/27/three-observations-from-bank-directors-2015-acquire-or-be-acquired-conference-tuesday/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/img_1288.png</image:loc><image:title>IMG_1288</image:title></image:image><lastmod>2015-01-27T18:59:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/26/from-bank-directors-2015-acquire-or-be-acquired-conference-the-new-consolidators-video/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/contemplation.png</image:loc><image:title>Contemplation</image:title></image:image><lastmod>2015-01-27T05:08:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/26/from-bank-directors-2015-acquire-or-be-acquired-conference-a-45-second-video-recap-of-day-one/</loc><lastmod>2015-01-27T03:47:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/26/three-observations-from-bank-directors-2015-acquire-or-be-acquired-conference-monday/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fullsizerender-7.jpg</image:loc><image:title>FullSizeRender-7</image:title></image:image><lastmod>2015-01-27T03:09:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/25/from-acquire-or-be-acquired-a-video-recap-of-todays-l-william-seidman-ceo-panel/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fullsizerender-9.jpg</image:loc><image:title>FullSizeRender-9</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fullsizerender-8.jpg</image:loc><image:title>FullSizeRender-8</image:title></image:image><lastmod>2015-01-26T18:51:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/25/three-observations-from-bank-directors-2015-acquire-or-be-acquired-conference-sunday/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fullsizerender-6.jpg</image:loc><image:title>FullSizeRender-6</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/img_3870.jpg</image:loc><image:title>IMG_3870</image:title><image:caption>This evening's reception (photo c/o Keith Astrin photography)</image:caption></image:image><lastmod>2015-01-26T15:24:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/22/bank-directors-2015-acquire-or-be-acquired-conference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/aoba15-demographics-2.jpg</image:loc><image:title>AOBA15-demographics-2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/aoba15-demographics-3.jpg</image:loc><image:title>AOBA15-demographics-3</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/aoba15-demographics.jpg</image:loc><image:title>AOBA15-demographics</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/screen-shot-2015-01-02-at-12-57-44-pm.png</image:loc><image:title>Screen Shot 2015-01-02 at 12.57.44 PM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/img_7333.jpg</image:loc><image:title>IMG_7333</image:title><image:caption>The Phoenician's pool</image:caption></image:image><lastmod>2015-01-22T14:20:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/20/spotlight-on-fintech/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/db_logo-ba0411771e22.png</image:loc><image:title>db_logo.ba0411771e22</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/web-logo-malauzai2x.png</image:loc><image:title>web-Logo-Malauzai@2x</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/yodlee_logo-svg.png</image:loc><image:title>Yodlee_logo.svg</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fintech-logo-0012.jpg</image:loc><image:title>FinTech logo.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fintech-logo-2-001.jpg</image:loc><image:title>FinTech logo 2.001</image:title></image:image><lastmod>2015-01-20T12:31:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/13/bank-directors-2015-acquire-or-be-acquired-conference-primer/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/img_7334.jpg</image:loc><image:title>The Phoenician</image:title></image:image><lastmod>2015-01-13T15:03:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2015/01/06/three-fintech-companies-im-keen-on/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fintech-logo-0011.jpg</image:loc><image:title>FinTech logo.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/fintech-logo-001.jpg</image:loc><image:title>FinTech logo.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/digital-dollar.jpg</image:loc><image:title>digital-dollar</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/dwolla-logo.jpg</image:loc><image:title>dwolla-logo</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/unknown1.png</image:loc><image:title>Unknown</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/unknown.png</image:loc><image:title>Unknown</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/wealthfront-logo-e1396828112845.png</image:loc><image:title>wealthfront-logo-e1396828112845</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2015/01/ma_survey_infographic.jpeg</image:loc><image:title>MA_Survey_infographic</image:title></image:image><lastmod>2015-01-06T12:03:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/07/this-week-in-pictures-and-videos/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/74.jpg</image:loc><image:title>74</image:title><image:caption>Winding down</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/04.jpg</image:loc><image:title>04</image:title><image:caption>Early arrivals</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/73.jpg</image:loc><image:title>73</image:title><image:caption>A pop of color</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/53.jpg</image:loc><image:title>53</image:title><image:caption>Sharing a laugh w/ some of our panelists</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/39.jpg</image:loc><image:title>39</image:title><image:caption>A look to the right side of the stage</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/36.jpg</image:loc><image:title>36</image:title><image:caption>First Financial's dynamic CEO</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/24.jpg</image:loc><image:title>24</image:title><image:caption>Nice shoes</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/22.jpg</image:loc><image:title>22</image:title><image:caption>Mika is always posing for the camera!!!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/09.jpg</image:loc><image:title>09</image:title><image:caption>Jack Milligan, Bank Director's Silver Fox</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/07.jpg</image:loc><image:title>07</image:title><image:caption>Jack and I welcoming folks in</image:caption></image:image><lastmod>2014-12-31T21:26:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/04/trending-at-bdcomp14/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/fullsizerender-3.jpg</image:loc><image:title>FullSizeRender-3</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/fullsizerender-2.jpg</image:loc><image:title>FullSizeRender-2</image:title></image:image><lastmod>2014-12-31T21:24:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/05/a-90-second-look-at-the-innovation-requirement-facing-banks-today/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/img_0054.jpg</image:loc><image:title>IMG_0054</image:title></image:image><lastmod>2014-12-31T21:23:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/14/seeking-size-and-scale/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/bbt.jpg</image:loc><image:title>BB&amp;T</image:title></image:image><lastmod>2014-12-31T21:02:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/21/on-bank-branches-and-a-banks-brand/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/fullsizerender-22.jpg</image:loc><image:title>FullSizeRender-2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/fullsizerender-21.jpg</image:loc><image:title>FullSizeRender-2</image:title></image:image><lastmod>2014-12-31T13:21:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/12/02/giving-thanks-for-great-leadership/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/11/img_4405.jpg</image:loc><image:title>ANCHORMAN</image:title><image:caption>Wait, this isn't our news team?</image:caption></image:image><lastmod>2014-12-31T13:20:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/12/16/be-proud-of-the-past-but-look-to-the-future/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/fullsizerender-21.jpg</image:loc><image:title>FullSizeRender-2</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/fullsizerender-2.jpg</image:loc><image:title>FullSizeRender-2</image:title></image:image><lastmod>2014-12-31T13:19:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/12/30/bank-director-a-year-in-pictures-part-2/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_90661.jpg</image:loc><image:title>IMG_9066</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_8998.jpg</image:loc><image:title>IMG_8998</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9006.jpg</image:loc><image:title>IMG_9006</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9012.jpg</image:loc><image:title>IMG_9012</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9020.jpg</image:loc><image:title>IMG_9020</image:title><image:caption>NYC in Sept</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9045.jpg</image:loc><image:title>IMG_9045</image:title><image:caption>Loving my eye patch + Kelsey's mouth</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9066.jpg</image:loc><image:title>IMG_9066</image:title><image:caption>post-FinTech Day dinner in NYC</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9244.jpg</image:loc><image:title>IMG_9244</image:title><image:caption>Bank Director representing in DC</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9246.jpg</image:loc><image:title>IMG_9246</image:title><image:caption>Team colors</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_9582.jpg</image:loc><image:title>IMG_9582</image:title><image:caption>The old office</image:caption></image:image><lastmod>2014-12-31T11:53:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/12/23/bank-director-a-year-in-pictures-part-1/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_5777.jpg</image:loc><image:title>IMG_5777</image:title><image:caption>Selfies w/ Bank Director's former associate publisher, John Cimba, and one of my 1st colleagues (starting in '99), Jeff Davy.  GLC will be proud.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_6416.jpg</image:loc><image:title>IMG_6416</image:title><image:caption>Pre-Bank Audit &amp; Risk Committees conference (one of my favorite pre-event pix)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/fullsizerender-5.jpg</image:loc><image:title>FullSizeRender-5</image:title><image:caption>#KelseyMadeMeDoIt</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_6468.jpg</image:loc><image:title>IMG_6468</image:title><image:caption>The Palmer House was a challenge, but room-wise, very picturesque for this June's Audit &amp; Risk Committees conference in Chicago</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_6466.jpg</image:loc><image:title>IMG_6466</image:title><image:caption>Is that Naomi making an introduction "from the podium!"</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_6465.jpg</image:loc><image:title>IMG_6465</image:title><image:caption>Kelsey's pay for the month of June</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_6461.jpg</image:loc><image:title>IMG_6461</image:title><image:caption>Catching up w/ one of my favorite social media friends, Crowe's Jennifer Burke</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_4518.jpg</image:loc><image:title>IMG_4518</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_4519.jpg</image:loc><image:title>IMG_4519</image:title><image:caption>Finally, a picture where I don't have a super weird look on my face!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/12/img_4826.jpg</image:loc><image:title>IMG_4826</image:title><image:caption>A wonderful treat from our friends at the Ritz in New Orleans</image:caption></image:image><lastmod>2014-12-31T11:52:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/11/03/does-anyone-want-to-work-at-a-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/06/photo-2.jpg</image:loc><image:title>photo 2</image:title><image:caption>A sunny day in Chicago</image:caption></image:image><lastmod>2014-11-03T13:00:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/10/31/lets-talk-compensation/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/fullsizerender.jpg</image:loc><image:title>FullSizeRender</image:title></image:image><lastmod>2014-10-31T11:54:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/10/24/innovating-the-capital-one-way-do-you-think-this-is-the-new-normal/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/bd8a817e833e9bb01ddf91949fce917b.png</image:loc><image:title>bd8a817e833e9bb01ddf91949fce917b</image:title></image:image><lastmod>2014-10-24T15:18:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/10/17/on-recent-bank-mergers-and-acquisitions/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/vykghqw.jpg</image:loc><image:title>VYkgHqw</image:title></image:image><lastmod>2014-10-17T11:40:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/10/10/four-years-strong/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0003.jpg</image:loc><image:title>IMG_0003</image:title><image:caption>Robert in action</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0004.jpg</image:loc><image:title>IMG_0004</image:title><image:caption>Cornhole competition</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_00051.jpg</image:loc><image:title>IMG_0005</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0006.jpg</image:loc><image:title>IMG_0006</image:title><image:caption>The team's 4 year celebration? Don't ask (Leiper's Fork, TN)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0007.jpg</image:loc><image:title>IMG_0007</image:title><image:caption>Confirming the winning team's work (yes, Kaitlyn, we won)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0008.jpg</image:loc><image:title>IMG_0008</image:title><image:caption>Why am I not surprised?</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0009.jpg</image:loc><image:title>IMG_0009</image:title><image:caption>Kaitlyn, the horse whisperer</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0010.jpg</image:loc><image:title>IMG_0010</image:title><image:caption>Celebrating our largest shareholder's b-day</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0011.jpg</image:loc><image:title>IMG_0011</image:title><image:caption>Al fresco dining in TN</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/10/img_0012.jpg</image:loc><image:title>IMG_0012</image:title><image:caption>Bill's retreat in Leiper's Fork</image:caption></image:image><lastmod>2014-10-10T14:37:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/10/03/what-is-your-bank-worth-2/</loc><lastmod>2014-10-03T14:04:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/26/in-advance-of-washington-lees-annual-entrepreneurship-summit/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/photo-20.jpg</image:loc><image:title>W&amp;L</image:title></image:image><lastmod>2014-09-26T11:03:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/25/what-is-your-bank-worth/</loc><lastmod>2014-09-25T12:16:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/12/this-week-in-pictures/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814164-3525250095-o.jpg</image:loc><image:title>A view from Time Square</image:title><image:caption>A view from Time Square / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814142-3525246112-o.jpg</image:loc><image:title>Closing bell ceremony crystal</image:title><image:caption>Crystal awarded / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814128-3525243447-o.jpg</image:loc><image:title>mc_090814128-3525243447-O</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814113-3525240897-o.jpg</image:loc><image:title>Typical NYC tourist</image:title><image:caption>Do I look like a NYC tourist? © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814110-3525240423-o.jpg</image:loc><image:title>The Sr BD team</image:title><image:caption>Most of our senior team / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814103-3525239179-o.jpg</image:loc><image:title>Name in lights</image:title><image:caption>Well, my name is in lights / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814099-3525238529-o.jpg</image:loc><image:title>Aloha</image:title><image:caption>Aloha! © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814092-3525237528-o.jpg</image:loc><image:title>Kelsey Weaver</image:title><image:caption>Kelsey signing off for the day / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814088-3525236938-o.jpg</image:loc><image:title>Putting my signature to the day</image:title><image:caption>My signature / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814072-3525233847-o.jpg</image:loc><image:title>Closing time</image:title><image:caption>Closing time / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><lastmod>2014-09-12T12:05:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/09/ringing-the-closing-bell-at-nasdaq/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_0908144.jpg</image:loc><image:title>mc_0908144</image:title><image:caption>© 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_090814_hires.jpg</image:loc><image:title>mc_090814_hires</image:title><image:caption>Waving for the network cameras / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_0908142.jpg</image:loc><image:title>mc_0908142</image:title><image:caption>An awesome turnout by the tech community / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_0908141.jpg</image:loc><image:title>mc_0908141</image:title><image:caption>Kelsey and me preparing to say a few words / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/09/mc_0908145.jpg</image:loc><image:title>mc_0908145</image:title><image:caption>FinTech Day at NASDAQ / © 2014, The NASDAQ OMX Group, Inc.</image:caption></image:image><lastmod>2014-09-10T16:00:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/09/a-video-recap-from-fintech-day-at-nasdaq-omx/</loc><lastmod>2014-09-09T20:06:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/08/today-is-fintech-day-at-nasdaq-heres-what-you-need-to-know/</loc><lastmod>2014-09-08T10:36:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/09/05/fintech-day-is-september-8/</loc><lastmod>2014-09-05T11:38:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/08/29/enjoy-your-labor-day-weekend/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/08/dsc_0271.jpg</image:loc><image:title>DSC_0271</image:title></image:image><lastmod>2014-08-29T10:15:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/08/22/bank-mergers-and-acquisitions/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/08/photo-17.jpg</image:loc><image:title>photo-17</image:title></image:image><lastmod>2014-08-21T21:20:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/08/15/a-pop-quiz-on-the-future-of-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/08/1280px-flag_of_california-svg.png</image:loc><image:title>1280px-Flag_of_California.svg</image:title></image:image><lastmod>2014-08-15T15:01:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/08/01/is-walmart-the-next-big-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/07/walmart-bank-logo-001.jpg</image:loc><image:title>Walmart bank logo.001</image:title></image:image><lastmod>2014-07-30T19:49:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/07/25/the-bank-of-facebook/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/07/fb-pix-final-001.jpg</image:loc><image:title>FB pix final.001</image:title></image:image><lastmod>2014-07-21T23:22:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/07/18/paypal-is-eating-your-banks-lunch/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/07/photo-16.jpg</image:loc><image:title>photo-16</image:title></image:image><lastmod>2014-07-20T11:22:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/07/11/for-banks-the-sky-is-falling/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/07/photo-15.jpg</image:loc><image:title>photo-15</image:title></image:image><lastmod>2014-07-11T12:09:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/27/valuing-the-bank/</loc><lastmod>2014-06-27T16:03:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/22/build/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/07/pyramid-on-the-us-one-dollar-bill.jpg</image:loc><image:title>pyramid-on-the-us-one-dollar-bill</image:title></image:image><lastmod>2014-06-25T01:25:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/20/know-your-tribe/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/06/cat550006.jpeg</image:loc><image:title>cat550006</image:title></image:image><lastmod>2014-06-20T12:39:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/12/the-bank-audit-risk-committees-conference-day-two-wrap-up/</loc><lastmod>2014-06-13T15:15:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/13/guest-post-variety-is-the-spice-of-life/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/06/012.jpg</image:loc><image:title>012</image:title></image:image><lastmod>2014-06-12T19:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/11/the-bank-audit-risk-committees-conference-day-one-wrap-up/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/06/photo-13.jpg</image:loc><image:title>photo-13</image:title></image:image><lastmod>2014-06-12T03:36:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/05/30/good-is-the-enemy-of-great/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/usatsi_7848706_168380427_lowres.jpg</image:loc><image:title>usatsi_7848706_168380427_lowres</image:title><image:caption>World Cup fever struck Bank Director</image:caption></image:image><lastmod>2014-06-09T20:24:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/06/06/threethoughtsonbanksandrisk/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/06/photo-8.jpg</image:loc><image:title>The Bean</image:title></image:image><lastmod>2014-06-07T17:11:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/05/16/time-to-sell-the-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/b4605aa5c510c513dabd5a179aaf2529.png</image:loc><image:title>b4605aa5c510c513dabd5a179aaf2529</image:title><image:caption>2013</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/1d097c3c981828804881de27cd14112a.jpg</image:loc><image:title>1d097c3c981828804881de27cd14112a</image:title><image:caption>2006</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/7b53d5a25aef7df21c8b7b6c63dbcd37.jpg</image:loc><image:title>7b53d5a25aef7df21c8b7b6c63dbcd37</image:title><image:caption>2011</image:caption></image:image><lastmod>2014-05-16T15:14:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/05/09/in-the-face-of-intense-competition/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/american-flag-wallpaper-phone.jpg</image:loc><image:title>American-Flag-Wallpaper-Phone</image:title></image:image><lastmod>2014-05-09T10:48:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/05/02/who-says-there-is-no-growth-in-banking/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/gh9a8055.jpeg</image:loc><image:title>GH9A8055</image:title><image:caption>Keeping it classy in New Orleans</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/gh9a8060.jpg</image:loc><image:title>GH9A8060</image:title><image:caption>The team post-Growth conference</image:caption></image:image><lastmod>2014-05-03T18:58:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/05/02/the-growth-conference-thursday-recap/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/05/photo-7.jpg</image:loc><image:title>photo-7</image:title></image:image><lastmod>2014-05-02T14:29:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/30/letthegoodtimesroll/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/new-orleans.jpg</image:loc><image:title>New Orleans</image:title><image:caption>NOLA for The Growth Conference</image:caption></image:image><lastmod>2014-04-30T11:48:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/29/the-single-greatest-constraint-on-growth/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/photo-6.jpg</image:loc><image:title>photo-6</image:title></image:image><lastmod>2014-04-29T22:26:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/28/its-growth-week/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/growth-key-card-1.jpg</image:loc><image:title>Growth-Key-Card-1</image:title></image:image><lastmod>2014-04-28T20:08:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/25/dealership/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/screen-shot-2014-04-24-at-6-06-07-am.png</image:loc><image:title>Screen Shot 2014-04-24 at 6.06.07 AM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/2q14.jpg</image:loc><image:title>2Q14</image:title></image:image><lastmod>2014-04-25T12:04:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/18/3d/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/photo-4.jpg</image:loc><image:title>photo-4</image:title></image:image><lastmod>2014-04-18T11:40:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/11/hangyourhat/</loc><lastmod>2014-04-11T12:28:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/05/bank-director-in-the-wall-street-journal/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/04/images.jpeg</image:loc><image:title>images</image:title></image:image><lastmod>2014-04-07T13:12:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/04/04/firstquarter/</loc><lastmod>2014-04-04T12:12:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/31/mondaychair/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/photo-22.jpg</image:loc><image:title>photo-2</image:title></image:image><lastmod>2014-03-31T18:17:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/31/elephant/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/photo.jpg</image:loc><image:title>photo</image:title></image:image><lastmod>2014-03-31T12:22:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/28/fi-tip-sheet-is-2014-the-year-of-the-bank-ipo/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/banking2020-hero3.png</image:loc><image:title>banking2020-hero3</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/banking2020-hero11.png</image:loc><image:title>banking2020-hero1</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/banking2020-hero1.png</image:loc><image:title>banking2020-hero1</image:title></image:image><lastmod>2014-03-31T14:17:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/14/trends/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/photo-5.jpg</image:loc><image:title>photo-5</image:title><image:caption>Kelsey is one happy camper #IMissTaylor</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0384.jpg</image:loc><image:title>DWD_0384</image:title><image:caption>lunch time</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0350.jpg</image:loc><image:title>DWD_0350</image:title><image:caption>coming back in from lunch</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0475.jpg</image:loc><image:title>DWD_0475</image:title><image:caption>Q+A</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0764.jpg</image:loc><image:title>DWD_0764</image:title><image:caption>An example of our old-school survey</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0926.jpg</image:loc><image:title>DWD_0926</image:title><image:caption>An early morning breakfast conversation</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_0987.jpg</image:loc><image:title>DWD_0987</image:title><image:caption>Jack + Mika... "deep thoughts"</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_1204-2.jpg</image:loc><image:title>DWD_1204-2</image:title><image:caption>This one is for Bill + Kelsey</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_1233.jpg</image:loc><image:title>DWD_1233</image:title><image:caption>Kaitlyn, our newest conference team member!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/dwd_1244-2.jpg</image:loc><image:title>DWD_1244-2</image:title><image:caption>Amanda, our new Director of Conferences (hired @ the Hermitage)</image:caption></image:image><lastmod>2014-03-14T11:12:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/07/fi-tip-sheet-strong-board-strong-bank/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/photo-21.jpg</image:loc><image:title>photo-2</image:title></image:image><lastmod>2014-03-07T17:14:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/05/risk/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/article-0-137ddace000005dc-975_634x525.jpg</image:loc><image:title>article-0-137DDACE000005DC-975_634x525</image:title></image:image><lastmod>2014-03-05T12:26:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/04/audit/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/bank-vault-door-3d-gualtiero-boffi.jpg</image:loc><image:title>bank-vault-door-3d-gualtiero-boffi</image:title></image:image><lastmod>2014-03-04T12:01:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/03/03/building-a-higher-performance-bank-board/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/03/photo-2.jpg</image:loc><image:title>photo-2</image:title><image:caption>Keycards</image:caption></image:image><lastmod>2014-03-03T18:57:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/02/28/fi-tip-sheet-the-innovators-dilemma/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/everything-is-awesome3.jpg</image:loc><image:title>Everything is Awesome</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/everything-is-awesome2.jpg</image:loc><image:title>Everything is Awesome</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/everything-is-awesome1.jpg</image:loc><image:title>Everything is Awesome</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/everything-is-awesome.jpg</image:loc><image:title>Everything is Awesome</image:title></image:image><lastmod>2014-02-28T14:48:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/02/21/fi-tip-sheet-the-size-of-the-sandbox/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/screen-shot-2014-02-21-at-9-42-29-am.png</image:loc><image:title>Screen Shot 2014-02-21 at 9.42.29 AM</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/photo.jpg</image:loc><image:title>photo</image:title></image:image><lastmod>2014-02-22T00:12:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/02/14/fi-tip-sheet-some-of-bankings-best-female-ceos/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/preview.jpg</image:loc><image:title>preview</image:title></image:image><lastmod>2014-02-14T13:59:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/02/13/bankdirectoreducation/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/grand-lobby.jpg</image:loc><image:title>67567_001.tif</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/homeimage.jpg</image:loc><image:title>homeImage</image:title></image:image><lastmod>2014-02-13T15:12:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/02/07/help/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/02/shutterstock118860388.jpg</image:loc><image:title>shutterstock118860388</image:title></image:image><lastmod>2014-02-07T13:57:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/28/acquire-or-be-acquired-monday-recap/</loc><lastmod>2014-01-31T17:58:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/27/aoba_sunday/</loc><lastmod>2014-01-31T17:57:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/31/fi-tip-sheet-this-week-in-pictures/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/5795859845.jpg</image:loc><image:title>_5795859845</image:title><image:caption>Having fun with Jack on stage</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/4954178585.jpg</image:loc><image:title>_4954178585</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/4130442334.jpg</image:loc><image:title>_4130442334</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/5396646665.jpg</image:loc><image:title>_5396646665</image:title><image:caption>Feel free to log on</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/4357329060.jpg</image:loc><image:title>_4357329060</image:title><image:caption>Great weather throughout the days</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/3190205414.jpg</image:loc><image:title>_3190205414</image:title><image:caption>Welcoming 250+ banks to Arizona</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/3131321455.jpg</image:loc><image:title>_3131321455</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/7676965588.jpg</image:loc><image:title>_7676965588</image:title><image:caption>KBW's Vice Chairman kicking things off</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/2561225208.jpg</image:loc><image:title>_2561225208</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/4323183253.jpg</image:loc><image:title>_4323183253</image:title></image:image><lastmod>2014-01-31T17:48:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/28/wrapping-up-acquire-or-be-acquired/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/photo-42.jpg</image:loc><image:title>photo (42)</image:title></image:image><lastmod>2014-01-28T19:34:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/24/aoba/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/photo-41.jpg</image:loc><image:title>photo (41)</image:title></image:image><lastmod>2014-01-24T14:01:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/22/aoba14/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/photo-36.jpg</image:loc><image:title>photo (36)</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/img_1174.jpg</image:loc><image:title>img_1174</image:title><image:caption>The Arizona Biltmore - home to Bank Director's 2016 Acquire or Be Acquired conference</image:caption></image:image><lastmod>2014-01-22T12:04:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/17/great-bank-ceos/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/blog-image-for-jan-17-0011.jpg</image:loc><image:title>blog image for Jan 17.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/blog-image-for-jan-17-001.jpg</image:loc><image:title>blog image for Jan 17.001</image:title></image:image><lastmod>2014-01-17T12:54:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/10/top-bank-ceos/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/aboutthatratio-image-for-jan-10-0014.jpg</image:loc><image:title>AboutThatRatio = image for Jan 10.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/aboutthatratio-image-for-jan-10-0013.jpg</image:loc><image:title>AboutThatRatio = image for Jan 10.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/aboutthatratio-image-for-jan-10-0012.jpg</image:loc><image:title>AboutThatRatio = image for Jan 10.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/aboutthatratio-image-for-jan-10-0011.jpg</image:loc><image:title>AboutThatRatio = image for Jan 10.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/aboutthatratio-image-for-jan-10-001.jpg</image:loc><image:title>AboutThatRatio = image for Jan 10.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2014/01/sample-blog-image-001.jpg</image:loc><image:title>Sample blog image.001</image:title></image:image><lastmod>2014-01-11T22:56:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2014/01/03/tipsheet/</loc><lastmod>2014-01-03T15:05:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/12/20/mele-kalikimaka/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/12/dsc_0229.jpg</image:loc><image:title>DSC_0229</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/12/tulum_mexico-1920x1200.jpg</image:loc><image:title>tulum_mexico-1920x1200</image:title></image:image><lastmod>2014-01-01T14:06:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/12/13/size/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/12/photo-33.jpg</image:loc><image:title>Nutcracker and Football Santa</image:title><image:caption>Size matters? Happy Holidays!</image:caption></image:image><lastmod>2014-01-08T23:03:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/12/06/bankmergers/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/12/555765_10151241365932190_899066290_n.jpg</image:loc><image:title>555765_10151241365932190_899066290_n</image:title><image:caption>Today's guest author, Jack Milligan</image:caption></image:image><lastmod>2013-12-06T12:27:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/12/02/too-big-to-care/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/12/hsbc_4c83.jpg</image:loc><image:title>HSBC_4C83</image:title></image:image><lastmod>2013-12-02T14:45:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/29/thanks/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_4481.jpg</image:loc><image:title>IMG_4481</image:title><image:caption>Al, Mika, Joan + Bill in Jackson, WY</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_4457.jpg</image:loc><image:title>IMG_4457</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_2779.jpg</image:loc><image:title>IMG_2779</image:title><image:caption>Wrapping up another successful event at the JW Marriott in Chicago</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_2750.jpg</image:loc><image:title>IMG_2750</image:title><image:caption>Makin' it rain with our editor, Jack Milligan</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_1174.jpg</image:loc><image:title>IMG_1174</image:title><image:caption>The Arizona Biltmore, home of 2014's Acquire or Be Acquired conference</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_0033.jpg</image:loc><image:title>IMG_0033</image:title><image:caption>Surprised (pleasantly) by our team with this video in Times Square</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_6197.jpg</image:loc><image:title>IMG_6197</image:title><image:caption>Signing off!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_0076.jpg</image:loc><image:title>IMG_0076</image:title><image:caption>Team pix at the Ritz-Carlton New Orleans</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/img_0077.jpg</image:loc><image:title>IMG_0077</image:title><image:caption>Michelle, me, Naomi and Laura at the Ritz-Carlton</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/photo-2.jpg</image:loc><image:title>photo 2</image:title><image:caption>Bailing out the car in South Central LA</image:caption></image:image><lastmod>2013-11-29T12:39:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/15/bigfive/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/digital-consumer-circle.png</image:loc><image:title>digital-consumer-circle</image:title></image:image><lastmod>2013-11-15T12:15:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/08/the-race-is-on/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/ferrari-458-challenge-race-car_100316284_m1.jpg</image:loc><image:title>ferrari-458-challenge-race-car_100316284_m</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/ferrari-458-challenge-race-car_100316284_m.jpg</image:loc><image:title>ferrari-458-challenge-race-car_100316284_m</image:title></image:image><lastmod>2013-11-08T12:24:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/05/a-postcard-from-chicago/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/photo-281.jpg</image:loc><image:title>photo (28)</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/photo-28.jpg</image:loc><image:title>photo (28)</image:title></image:image><lastmod>2013-11-06T13:41:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/01/feeincome/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/11/chicago_bean_and_life_by_alierturk-d3agi0u.jpg</image:loc><image:title>chicago_bean_and_life_by_alierturk-d3agi0u</image:title><image:caption>Cloud Gate in Millennium Park</image:caption></image:image><lastmod>2013-11-01T17:11:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/11/01/redsoxwin/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/slider_game6-7.jpg</image:loc><image:title>slider_game6-7</image:title></image:image><lastmod>2013-11-01T11:36:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/10/25/sizematters/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/img_9353.jpg</image:loc><image:title>IMG_9353</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/photo-27.jpg</image:loc><image:title>photo (27)</image:title><image:caption>The Ritz-Carlton San Francisco</image:caption></image:image><lastmod>2013-10-25T12:43:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/10/18/social-business/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/wl-bd-social-media-cover-slide-001.jpg</image:loc><image:title>W&amp;L - BD - Social Media cover slide.001</image:title></image:image><lastmod>2013-10-18T10:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/10/11/to-zig-or-zag/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/1381508_588473811217445_1882792597_n.jpg</image:loc><image:title>Bank of the West hashtag</image:title></image:image><lastmod>2013-10-11T11:10:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/10/09/redsox/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/438px-bostonredsox1908logo-svg.png</image:loc><image:title>438px-BostonRedSox1908logo.svg</image:title></image:image><lastmod>2013-10-09T00:42:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/10/04/openforbusiness/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/photo-3.jpg</image:loc><image:title>photo (3)</image:title><image:caption>Happy hour comes earlier to the District these days...</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/10/photo-2.jpg</image:loc><image:title>photo (2)</image:title><image:caption>Happy hour starts earlier in D.C. these days...</image:caption></image:image><lastmod>2013-10-04T12:28:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/09/20/threeyears/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/320639_10151135114197190_1075541707_n.jpg</image:loc><image:title>NASDAQ closing bell</image:title><image:caption>How'd that get in here?</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1925_2.jpg</image:loc><image:title>IMG_1925_2</image:title><image:caption>Dan... telling us about the wine?</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1902_2.jpg</image:loc><image:title>IMG_1902_2</image:title><image:caption>Jake getting comfy</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/1234775_10151607836087190_1319571520_n.jpg</image:loc><image:title>1234775_10151607836087190_1319571520_n</image:title><image:caption>Seriously, its time to be serious</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/1240630_10151607836982190_655919093_n.jpg</image:loc><image:title>1240630_10151607836982190_655919093_n</image:title><image:caption>Shoes optional for Misty and me, stylish socks Robert!</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/1209159_10151607837242190_1642190070_n.jpg</image:loc><image:title>1209159_10151607837242190_1642190070_n</image:title><image:caption>Might be making this our 3rd office - does the move committee approve?</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1851_2.jpg</image:loc><image:title>IMG_1851_2</image:title><image:caption>Hmm... I wonder who else will have orange Bonobos pants on today</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1950_2.jpg</image:loc><image:title>IMG_1950_2</image:title><image:caption>Kelsey + Joan taking a moment</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1886.jpg</image:loc><image:title>IMG_1886</image:title><image:caption>2nd wave of wine tasting (Robert, Daniel, Jack, Dan, Mika, Michelle + random woman)</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/img_1882.jpg</image:loc><image:title>IMG_1882</image:title><image:caption>1st team for wine tasting (Emily, Misty and Laura)</image:caption></image:image><lastmod>2013-09-20T10:30:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/09/06/disrupt/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/09/peaches-pile.jpg</image:loc><image:title>peaches-pile</image:title><image:caption>Georgia peaches...</image:caption></image:image><lastmod>2013-10-09T01:13:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/08/30/threethoughts/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/photo.jpg</image:loc><image:title>photo</image:title></image:image><lastmod>2013-08-30T13:50:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/08/23/three-out-of-four/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/rotary-phone.jpg</image:loc><image:title>rotary-phone</image:title></image:image><lastmod>2013-08-23T11:49:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/08/16/evidently-bigger-isnt-always-better/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/shopping.jpeg</image:loc><image:title>shopping</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/photo-21.jpg</image:loc><image:title>photo (21)</image:title></image:image><lastmod>2013-08-16T15:16:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/08/09/swimming-with-sharks/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/photo-20.jpg</image:loc><image:title>Shark at Mandalay Bay</image:title><image:caption>A resident of the Mandalay Bay in Las Vegas</image:caption></image:image><lastmod>2013-08-09T14:35:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/08/02/caveat/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/9634.jpg</image:loc><image:title>Jack</image:title><image:caption>Jack Milligan</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/08/photo-19.jpg</image:loc><image:title>Some of the team</image:title><image:caption>Kelsey, Jake, Mika and Katy outside our D.C. offices</image:caption></image:image><lastmod>2013-08-02T11:34:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/07/26/back-in-the-saddle/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/07/photo-16.jpg</image:loc><image:title>photo (16)</image:title><image:caption>A summer vacation sunset</image:caption></image:image><lastmod>2013-07-26T20:10:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/07/05/july5/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/07/photo-14.jpg</image:loc><image:title>Union Station in D.C.</image:title><image:caption>Union Station in D.C.</image:caption></image:image><lastmod>2013-07-05T10:29:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/06/28/customer/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/06/hyatt_dc_hires.jpg</image:loc><image:title>hyatt_dc_hires</image:title><image:caption>The Park Hyatt Washington</image:caption></image:image><lastmod>2013-06-28T16:41:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/06/21/quality/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/06/bruinswinbig-5213.jpg</image:loc><image:title>bruinswinbig-5213</image:title><image:caption>Wait... there is something going on other than the Stanley Cup finals?</image:caption></image:image><lastmod>2013-06-22T13:43:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/06/14/puppetshow/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/06/photo-13.jpg</image:loc><image:title>photo (13)</image:title></image:image><lastmod>2013-06-14T11:37:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/06/07/auditconference/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/06/the-jw-marriott-chicago.jpg</image:loc><image:title>the JW Marriott Chicago</image:title><image:caption>A full house in Chicago</image:caption></image:image><lastmod>2013-06-08T03:59:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/05/31/sanfrancisco/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/photo.jpg</image:loc><image:title>San Francisco, CA</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/photo-1.jpg</image:loc><image:title>San Francisco</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/img_2851.jpg</image:loc><image:title>IMG_2851</image:title></image:image><lastmod>2013-05-31T12:21:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/05/24/before-i-pack-my-bags/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/img_5724.jpg</image:loc><image:title>IMG_5724</image:title><image:caption>DC food trucks got some business...</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/cropped-img_0761.jpg</image:loc><image:title>The White House</image:title><image:caption>A look onto the White House</image:caption></image:image><lastmod>2013-05-24T11:50:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/05/17/enoughbanks/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/pirates-baseball.jpg</image:loc><image:title>Pirates-baseball</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/t_1368782681.jpg</image:loc><image:title>t_1368782681</image:title></image:image><lastmod>2013-05-17T16:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/05/10/growth/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/fenway-parks-red-seat.jpg</image:loc><image:title>Fenway Park's red seat</image:title></image:image><lastmod>2013-05-10T13:31:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/05/03/dass-de-thing/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/bank-3-0.jpg</image:loc><image:title>Bank 3.0</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/05/photo-10.jpg</image:loc><image:title>photo (10)</image:title></image:image><lastmod>2013-05-03T11:37:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/30/industry-at-a-crossroads-the-investor-view/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/photo-9.jpg</image:loc><image:title>photo (9)</image:title></image:image><lastmod>2013-04-30T20:11:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/26/financially-focused-on-aloha-friday/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/img_0050.jpg</image:loc><image:title>Kona airport</image:title><image:caption>From Kona, a reminder about Aloha Fridays...</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/7ced5e7fabc7c2b38db355e2b4d26472.png</image:loc><image:title>Bank Director magazine</image:title></image:image><lastmod>2013-04-26T12:03:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/19/boston-strong-on-this-financial-friday/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/ht_yankees_boston_mi_130416_wmain.jpg</image:loc><image:title>ht_yankees_boston_mi_130416_wmain</image:title><image:caption>New York Stands With Boston</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/new-york-stands-with-boston.jpg</image:loc><image:title>new-york-stands-with-boston</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/540041_10100176257849661_1607261859_n.jpg</image:loc><image:title>540041_10100176257849661_1607261859_n</image:title></image:image><lastmod>2013-04-19T11:21:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/12/its-aloha-friday-2/</loc><lastmod>2013-04-12T16:36:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/10/creating-high-performance-bank-boards/</loc><lastmod>2013-04-10T23:15:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/08/expectations-capacity/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/photo-21.jpg</image:loc><image:title>photo (21)</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/photo-19.jpg</image:loc><image:title>photo (19)</image:title></image:image><lastmod>2013-04-08T21:36:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/08/462/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/earplugs-at-the-four-seasons-in-chicago.jpg</image:loc><image:title>earplugs at the Four Seasons in Chicago</image:title></image:image><lastmod>2013-04-08T18:52:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/04/05/since-the-sec-approves/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/04/img_1596.jpg</image:loc><image:title>IMG_1596</image:title></image:image><lastmod>2013-04-05T11:47:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/29/a-ff-inspired-financial-roundup/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/archskylineriverlights.jpg</image:loc><image:title>Archskylineriverlights</image:title></image:image><lastmod>2013-03-29T15:09:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/23/lessons-learned-at-lagunitas/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/lessons-learned-at-lagunitas.jpeg</image:loc><image:title>lessons-learned-at-lagunitas</image:title></image:image><lastmod>2013-03-29T13:14:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/22/ff-with-a-dose-of-fi/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/dsc_0231.jpg</image:loc><image:title>Kona sunset</image:title><image:caption>As the sunsets on the week...</image:caption></image:image><lastmod>2013-03-22T11:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/15/financially-focused-friday-fun/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/blue-bottle-coffee-at-ferry-bldg.jpg</image:loc><image:title>Blue Bottle Coffee at Ferry Bldg</image:title><image:caption>1st stop at the Ferry Bldg in SF</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/mi-bu623_hangov_g_20130311213640.jpg</image:loc><image:title>MI-BU623_HANGOV_G_20130311213640</image:title></image:image><lastmod>2013-03-15T12:10:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/01/friday-fun/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/tech-trends-for-2013_512224e0220d3.jpg</image:loc><image:title>tech-trends-for-2013_512224e0220d3</image:title></image:image><lastmod>2013-03-08T15:06:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/08/follow-friday-fun/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/img_0559.jpg</image:loc><image:title>Boston Harbor</image:title><image:caption>Flying into Boston's Logan</image:caption></image:image><lastmod>2013-03-08T11:30:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/03/06/snowquesterd/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/screen-shot-2013-03-06-at-9-17-44-am.png</image:loc><image:title>Finding the right mix</image:title><image:caption>credit: PwC FS Viewpoint</image:caption></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/03/dsc_0224.jpg</image:loc><image:title>The White House, December 18, 2009</image:title><image:caption>The White House on 12/18/09</image:caption></image:image><lastmod>2013-03-06T15:19:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/02/27/does-banking-need-a-re-boot/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/url1.jpeg</image:loc><image:title>url</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/shawmut-hd-0011.jpg</image:loc><image:title>Shawmut HD.001</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/shawmut-hd-001.jpg</image:loc><image:title>Shawmut HD.001</image:title></image:image><lastmod>2013-02-27T14:57:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/02/22/in-the-spirit-of-a-friday-follow/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/screen-shot-2013-02-22-at-1-53-00-pm.png</image:loc><image:title>Screen Shot 2013-02-22 at 1.53.00 PM</image:title></image:image><lastmod>2013-02-25T01:43:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/02/23/community-banks-meet-social-media/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/no-one-said-this-would-be-easy.jpeg</image:loc><image:title>no-one-said-this-would-be-easy</image:title></image:image><lastmod>2013-02-25T01:42:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/02/12/go-west-young-man/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/dsc6101.jpg</image:loc><image:title>Point Counterpoint at AOBA</image:title><image:caption>Yup, that's me moderating a point-counterpoint session at Bank Director's annual M&amp;A conference</image:caption></image:image><lastmod>2013-02-12T17:01:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com/2013/02/09/about-that-title/</loc><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/url.jpeg</image:loc><image:title>url</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/texas-map.jpeg</image:loc><image:title>texas-map</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/cropped-photo-154.jpg</image:loc><image:title>cropped-photo-154.jpg</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/photo-153.jpg</image:loc><image:title>photo-153.jpg</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/cropped-photo-152.jpg</image:loc><image:title>cropped-photo-152.jpg</image:title></image:image><image:image><image:loc>https://aboutthatratio.com/wp-content/uploads/2013/02/photo-151.jpg</image:loc><image:title>photo-151.jpg</image:title></image:image><lastmod>2013-02-11T14:55:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://aboutthatratio.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2022-08-15T16:04:46+00:00</lastmod></url></urlset>
