<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://aca.org.uk/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.24' -->
<!-- generated-on='28th July 2026 1:49 am' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://aca.org.uk/aca-recommendation-on-replacement-for-minimum-funding-requirement/</loc>
		<lastmod>2007-03-06T16:43:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-19-parties-pensions-policies-converge-but-weak-on-detail/</loc>
		<lastmod>2017-04-05T19:00:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-myners-report/</loc>
		<lastmod>2007-03-06T16:42:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2001-smaller-firms-survey/</loc>
		<lastmod>2007-03-04T16:31:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2001-smaller-firms-survey-report/</loc>
		<lastmod>2007-03-04T17:27:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pickering-consultation-on-pension-simplification/</loc>
		<lastmod>2007-03-06T16:41:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pickering-review-details-need-for-cuts-in-regulation/</loc>
		<lastmod>2007-03-04T15:57:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gordon-pollock-elected-aca-chairman/</loc>
		<lastmod>2007-03-04T15:58:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/option-to-buy-annuities-which-return-balance-of-fund-on-death-is-perfectly-feasible-says-aca/</loc>
		<lastmod>2007-03-04T15:56:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-myners-next-steps/</loc>
		<lastmod>2007-03-06T16:40:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-imaginative-solutions-needed-to-promote-occupational-provision/</loc>
		<lastmod>2007-03-04T15:55:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-reports-startling-move-away-from-final-salary-schemes/</loc>
		<lastmod>2007-03-04T15:53:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-pickering-review-but-calls-for-more-incentives-to-encourage-greater-provision/</loc>
		<lastmod>2007-03-04T15:52:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-greater-pension-certainty-must-be-governments-goal/</loc>
		<lastmod>2007-03-04T15:51:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-recommends-uk-pensions-strategy/</loc>
		<lastmod>2007-03-06T16:38:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-over-half-of-final-salary-schemes-are-closed-to-new-staff/</loc>
		<lastmod>2007-03-04T15:50:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-pension-green-paper-is-curates-egg/</loc>
		<lastmod>2007-03-04T15:49:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-20-is-there-a-third-way-for-pensions/</loc>
		<lastmod>2017-04-05T19:00:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-green-paper-proposals-will-not-boost-provision-says-aca/</loc>
		<lastmod>2007-03-04T15:47:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-the-pensions-green-paper/</loc>
		<lastmod>2007-03-06T16:38:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-green-paper-calls-for-more-radical-measures/</loc>
		<lastmod>2007-03-04T15:46:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ring-fencing-is-proposed-when-new-tax-rules-are-introduced/</loc>
		<lastmod>2007-03-04T15:45:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-imagination-is-our-insurance-policy-for-the-future/</loc>
		<lastmod>2007-03-04T15:44:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-mixed-welcome-to-governments-reform-agenda/</loc>
		<lastmod>2007-03-04T15:42:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-thw-winding-up-and-deficiency-on-winding-up-regulations/</loc>
		<lastmod>2007-03-06T16:36:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/trustees-should-have-restricted-ability-to-place-schemes-in-wind-up-/</loc>
		<lastmod>2007-03-04T15:41:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2003-pension-trends-survey/</loc>
		<lastmod>2007-07-13T10:59:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2003-pension-trends-survey/</loc>
		<lastmod>2007-07-13T10:57:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/government-pensions-strategy-must-change-radically-to-encourage-higher-pension-contributions/</loc>
		<lastmod>2007-03-04T15:40:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/how-the-ppf-should-be-run/</loc>
		<lastmod>2007-03-06T16:35:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-recommendations-on-how-ppf-should-work/</loc>
		<lastmod>2007-03-04T15:39:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-government-must-accept-need-to-change-lifetime-tax-relief-limit/</loc>
		<lastmod>2007-03-04T15:37:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-smaller-firms-survey-finds-record-levels-of-firms-looking-to-reduce-pension-costs/</loc>
		<lastmod>2007-03-04T15:36:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-worried-at-impact-of-price-indexation-on-proposed-lifetime-limit/</loc>
		<lastmod>2007-03-04T15:35:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-pensions-bill-measures-too-complex/</loc>
		<lastmod>2007-03-04T15:33:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-no-delay-in-new-pension-tax-regime/</loc>
		<lastmod>2007-03-04T15:32:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-hmt-and-ir-paper-on-simplifying-the-taxation-of-pensions/</loc>
		<lastmod>2007-03-09T16:53:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/keep-lpi-fair-for-defined-benefit-as-well-as-defined-contribution/</loc>
		<lastmod>2007-03-04T15:31:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-pension-regime-looking-increasingly-hostile-to-wider-provision/</loc>
		<lastmod>2007-03-04T15:29:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/adrian-waddingham-elected-aca-chairman/</loc>
		<lastmod>2007-03-04T15:28:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2004-pension-trends-in-smaller-firms-report/</loc>
		<lastmod>2007-03-04T17:35:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2004-smaller-firms-survey-report/</loc>
		<lastmod>2007-03-04T16:03:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-paints-picture-of-divided-nation-in-pensions/</loc>
		<lastmod>2007-03-04T15:27:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-morris-points-to-competitive-market-for-actuarial-services-/</loc>
		<lastmod>2007-03-04T15:26:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-affordable-lower-cost-defined-benefit-schemes/</loc>
		<lastmod>2007-03-04T15:24:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/future-of-pensions-lies-in-state-scheme-reforms-higher-retirement-ages-and-reduction-in-private-pension-targets/</loc>
		<lastmod>2007-03-04T15:23:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-21-the-way-ahead-for-pensions/</loc>
		<lastmod>2017-04-05T19:00:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/governments-approach-to-ppf-will-add-to-levy-costs/</loc>
		<lastmod>2007-03-04T15:21:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/special-rules-for-judges-undermine-new-pensions-tax-regime/</loc>
		<lastmod>2007-03-04T15:20:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-positive-morris-interim-assessment/</loc>
		<lastmod>2007-03-04T15:18:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pensions-commission-report/</loc>
		<lastmod>2007-03-03T19:46:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-morris-interim-report/</loc>
		<lastmod>2007-03-03T19:47:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-morris-approach-to-review-of-profession/</loc>
		<lastmod>2007-03-03T19:48:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-report-and-pensions-manifesto/</loc>
		<lastmod>2007-03-03T19:50:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-survey-report-1-pension-policies-and-views-on-2004-act/</loc>
		<lastmod>2007-03-04T17:25:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2005-survey-report-1-april-2005-pensions-policy-and-views-on-2004-act/</loc>
		<lastmod>2007-03-04T16:42:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-analyses-parties-pension-policies/</loc>
		<lastmod>2007-03-03T19:52:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-22-parties-pension-policies-set-to-increase-tax-burden-for-the-future/</loc>
		<lastmod>2017-04-05T19:00:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2005-pension-trends-survey-report-2-scheme-provision-contributions-and-deficits/</loc>
		<lastmod>2007-03-04T17:24:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2005-survey-report-2-may-05-scheme-provision-contributions-and-deficits/</loc>
		<lastmod>2007-03-04T16:38:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-report-points-to-higher-dc-contributions/</loc>
		<lastmod>2007-03-03T19:53:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-pension-protection-fund-levy-consultation/</loc>
		<lastmod>2007-03-06T16:32:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2005-pension-trends-survey-report-final-including-statistical-tables/</loc>
		<lastmod>2007-03-04T17:22:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2005-survey-final-report-including-all-statistics/</loc>
		<lastmod>2007-03-04T16:43:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-outlines-pension-priorities-alongside-final-pension-trends-report/</loc>
		<lastmod>2007-03-03T19:54:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-proposes-framework-for-taxation-of-residual-pension-resources/</loc>
		<lastmod>2007-03-03T19:56:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/public-sector-pensions-hostage-to-fortune/</loc>
		<lastmod>2007-03-03T19:57:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-final-pensions-commission-report/</loc>
		<lastmod>2007-03-03T19:58:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-statement-on-ppf-levy-announcement/</loc>
		<lastmod>2007-03-03T19:59:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-outline-response-to-pensions-commission/</loc>
		<lastmod>2017-06-24T21:20:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regulating-the-funding-of-db-schemes-charles-young/</loc>
		<lastmod>2017-06-24T19:56:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-pensions-regulator-regulating-the-funding-of-defined-benefits/</loc>
		<lastmod>2007-03-06T16:31:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-lower-cost-risk-sharing-schemes-should-be-promoted-in-pensions-white-paper/</loc>
		<lastmod>2007-03-03T20:22:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-proposes-promotion-of-risk-sharing-schemes/</loc>
		<lastmod>2007-03-03T20:20:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/currency-management-for-pension-funds-neil-record/</loc>
		<lastmod>2017-06-24T21:13:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/managing-pension-scheme-risk-using-derivatives-jp-morgan/</loc>
		<lastmod>2017-06-24T21:17:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-disappointed-at-final-pensions-commission-report/</loc>
		<lastmod>2007-03-03T20:19:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-23-npss-alone-is-not-enough/</loc>
		<lastmod>2017-04-05T19:00:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-pensions-board-of-profession/</loc>
		<lastmod>2017-06-24T21:11:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/state-reform-proposals-too-complex-says-aca-smaller-firms-survey/</loc>
		<lastmod>2007-03-03T20:18:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-regulators-statement/</loc>
		<lastmod>2007-03-03T20:16:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ian-farr-elected-aca-chairman/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/scheme-funding-fraser-low-and-vassos-vassou-tpr/</loc>
		<lastmod>2017-06-24T20:54:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regulating-scheme-funding-alistair-russell-smith/</loc>
		<lastmod>2017-06-24T20:58:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/security-in-retirement-donald-duval/</loc>
		<lastmod>2017-06-24T20:51:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/brief-for-members-of-parliament-on-risk-sharing-schemes/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/approaches-to-transfer-values-spencer-bowman/</loc>
		<lastmod>2017-06-24T20:47:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2006-smaller-firms-survey-full-results-/</loc>
		<lastmod>2007-05-15T11:53:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2006-smaller-firms-pension-survey/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2006-smaller-firms-survey-report/</loc>
		<lastmod>2007-03-04T16:10:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-consultation-on-the-calculation-of-pension-transfer-values/</loc>
		<lastmod>2007-03-06T16:30:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-scheme-specific-approach-to-transfer-values/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-reform-lessons-for-the-uk-chris-daykin-gad/</loc>
		<lastmod>2017-06-24T20:44:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pensions-white-paper/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-ppf-2007-08-levy-consultation/</loc>
		<lastmod>2007-03-07T14:09:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-accounting-the-future-andrew-lennard-asb/</loc>
		<lastmod>2017-06-24T20:40:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-iasb-re-ifric-draft-interpretation-d19-ias-19-/</loc>
		<lastmod>2007-03-07T14:07:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-24-support-for-reforms-that-promote-good-private-pension-schemes/</loc>
		<lastmod>2017-04-05T19:00:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/joint-apl-aca-meeting-tim-cox-and-mark-harris/</loc>
		<lastmod>2017-06-24T20:40:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-new-risk-sharing-pensions-regime/</loc>
		<lastmod>2007-01-20T12:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-draft-ppf-misc-amendments-regs-reg-4/</loc>
		<lastmod>2007-03-07T14:12:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-draft-ppf-waiver-of-ppf-levy-and-misc-amendments-regs-reg-11/</loc>
		<lastmod>2007-03-07T14:13:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-draft-ppf-waiver-of-ppf-levy-and-misc-amendments-regs-regs-2-to-10/</loc>
		<lastmod>2007-03-07T14:15:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/personal-accounts-must-complement-better-workplace-pensions/</loc>
		<lastmod>2007-02-23T16:52:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-draft-occupational--personal-pension-schemes-msc-amendments-regs-2007/</loc>
		<lastmod>2007-03-07T14:05:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-occupational-pension-schemes-levies-amendments-regs-2007/</loc>
		<lastmod>2007-03-07T14:04:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-disclosure-of-information-review/</loc>
		<lastmod>2007-03-07T14:02:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-on-personal-accounts-to-the-house-of-commons-work--pensions-committee/</loc>
		<lastmod>2007-03-07T13:53:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-on-personal-accounts-to-the-house-of-commons-work--pensions-committee/</loc>
		<lastmod>2007-03-07T13:54:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-bill-charles-young/</loc>
		<lastmod>2017-06-24T20:19:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/personal-accounts-duncan-kinnear/</loc>
		<lastmod>2017-06-24T20:30:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-regulators-consultation-on-regulation-of-dc-scheme-risks/</loc>
		<lastmod>2007-03-07T14:00:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-ppf-consultation-on-investment-risk-as-a-factor-in-the-risk-based-levy/</loc>
		<lastmod>2007-03-07T14:01:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-ppf-consultation-on-2007-08-levy-estimate/</loc>
		<lastmod>2007-03-07T14:11:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-pensions-regulator-on-abandonment-of-defined-benefit-schemes/</loc>
		<lastmod>2007-03-07T13:56:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/investment-panel-21-february-2007-dan-agostino/</loc>
		<lastmod>2017-06-24T20:01:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/investment-panel-21-february-2007-jon-exley/</loc>
		<lastmod>2017-06-24T20:06:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/investment-panel-21-february-2007-marcus-schueler/</loc>
		<lastmod>2017-06-24T20:47:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2007-pension-trends-survey/</loc>
		<lastmod>2007-02-23T17:10:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/brief-on-pensions-reform-/</loc>
		<lastmod>2007-02-23T17:13:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/joint-apl-and-aca-meeting-neil-bowden-and-duncan-kinnear/</loc>
		<lastmod>2017-06-24T20:44:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/review-of-pensions-institutions-jane-beverley/</loc>
		<lastmod>2017-06-24T19:54:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deregulatory-review-peter-williams/</loc>
		<lastmod>2017-06-24T20:51:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-background-paper-on-shared-risk-schemes/</loc>
		<lastmod>2007-03-31T12:31:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-q--a-paper-on-shared-risk-scheme-proposals-/</loc>
		<lastmod>2007-03-31T12:33:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-launches-shared-risk-scheme-proposal/</loc>
		<lastmod>2007-03-31T12:29:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-paper-on-shared-risk-schemes-/</loc>
		<lastmod>2007-03-31T12:34:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/briefing-on-aca-shared-risk-scheme-proposal/</loc>
		<lastmod>2007-03-31T12:36:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/questions--answers-shared-risk-schemes/</loc>
		<lastmod>2007-03-31T12:37:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/stakeholder-pensions-employer-designation-/</loc>
		<lastmod>2007-04-12T17:48:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-consultation-on-pensions-institutions/</loc>
		<lastmod>2007-04-03T10:07:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-personal-accounts-consultation/</loc>
		<lastmod>2007-04-03T10:14:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-deregulatory-review-consultation-paper/</loc>
		<lastmod>2007-04-12T17:39:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-deregulatory-review-consultation-paper/</loc>
		<lastmod>2007-04-12T17:42:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-private-pensions-deregulatory-review-consultation/</loc>
		<lastmod>2007-04-13T16:53:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-napf-institutional-investment-review/</loc>
		<lastmod>2007-04-13T16:51:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-and-cbi-deputy-director-general-call-for-pension-innovation/</loc>
		<lastmod>2007-04-20T10:12:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-entrants-to-the-buyout-market-how-are-they-impacting-on-the-market-kevin-wesbroom-and-david-collinson/</loc>
		<lastmod>2017-06-24T20:54:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/life-insurance-reviewing-actuaries-best-practice-brian-purves/</loc>
		<lastmod>2017-06-24T20:58:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/life-insurance-best-practice-actuarial-function-holder-nigel-silby/</loc>
		<lastmod>2017-06-24T21:12:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/cmi-saps-wilson-and-gaches/</loc>
		<lastmod>2017-06-24T21:14:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/cmi-saps-investigation-gordon-sharp/</loc>
		<lastmod>2017-06-24T21:17:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-looks-to-risk-sharing-future-for-pensions-at-napf-conference/</loc>
		<lastmod>2007-05-25T08:16:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2007-pension-trends-survey-report-1/</loc>
		<lastmod>2007-05-30T17:09:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2007-pension-trends-survey-report-1/</loc>
		<lastmod>2007-05-30T17:06:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-says-levelling-down-a-real-threat-from-pension-reforms/</loc>
		<lastmod>2007-06-01T07:36:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-initial-response-to-personal-accounts-announcement/</loc>
		<lastmod>2007-06-14T18:27:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bas-conceptual-framework-nigel-bankhead/</loc>
		<lastmod>2017-06-24T21:20:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bas-conceptual-framework-james-wintle/</loc>
		<lastmod>2017-06-24T21:23:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bas-conceptual-framework-david-keeler/</loc>
		<lastmod>2017-06-24T19:56:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regional-meeting-birmingham-stuart-southall/</loc>
		<lastmod>2017-06-24T20:03:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regional-meeting-birmingham-andrew-gaches/</loc>
		<lastmod>2017-06-24T20:07:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regional-meeting-birmingham-sammy-cooper-smith/</loc>
		<lastmod>2017-06-24T20:19:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regional-meeting-manchester-bunkle-and-aley-paternoster/</loc>
		<lastmod>2017-06-24T20:30:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/regional-meeting-manchester-lawlor/</loc>
		<lastmod>2017-06-24T20:40:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/scottish-meeting-glasgow-crawford-taylor/</loc>
		<lastmod>2017-06-24T20:49:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/scottish-meeting-jay-shah-synesis-life/</loc>
		<lastmod>2017-06-24T20:51:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/scottish-meeting-jonathan-lawlor/</loc>
		<lastmod>2017-06-24T20:55:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2007-pension-trends-survey-report-2/</loc>
		<lastmod>2007-07-10T08:10:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2007-pension-trends-survey-report-2/</loc>
		<lastmod>2007-07-10T08:11:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-report-says-policy-drift-is-endangering-pensions-of-millions-/</loc>
		<lastmod>2007-07-10T17:40:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-scheme-governance/</loc>
		<lastmod>2007-07-13T12:31:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-initial-response-to-external-reviewers-paper/</loc>
		<lastmod>2007-07-25T21:49:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deregulatory-review-chris-lewin/</loc>
		<lastmod>2017-06-24T20:58:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deregulatory-review-jeremy-dell/</loc>
		<lastmod>2017-06-24T21:12:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-cmi-paper-on-projections/</loc>
		<lastmod>2007-10-21T13:34:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-dwp-on-transfer-value-regulations/</loc>
		<lastmod>2007-10-21T13:36:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-risk-levy-martin-clarke/</loc>
		<lastmod>2017-06-24T21:15:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-on-scheme-funding-fawke-and-unsworth/</loc>
		<lastmod>2017-06-24T21:17:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/risk-sharing-blue-print-can-help-bridge-private-and-public-sector-pension-gap/</loc>
		<lastmod>2007-09-25T10:25:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-on-exposure-draft-for-ifrs-for-smes/</loc>
		<lastmod>2007-10-21T13:37:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-on-future-of-pension-protection-levy/</loc>
		<lastmod>2007-10-21T13:42:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-on-consultation-on-rule-of-85-protections/</loc>
		<lastmod>2007-10-21T13:39:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-on-debt-on-employer-revised-regulations/</loc>
		<lastmod>2007-10-21T13:40:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/future-of-company-pensions-hinges-on-legislative-reforms-/</loc>
		<lastmod>2007-10-08T15:22:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/peter-thompson-presentation/</loc>
		<lastmod>2017-06-24T21:20:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-governments-deregulatory-response-is-inadequate-so-far/</loc>
		<lastmod>2007-10-22T20:50:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-tpr-on-revised-clearance-guidance/</loc>
		<lastmod>2008-01-03T15:05:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-brief-to-mps-on-the-pensions-bill/</loc>
		<lastmod>2007-11-13T15:41:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/briefing-for-mps-on-2007-pensions-bill/</loc>
		<lastmod>2007-11-13T15:47:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-governments-deregulatory-review-proposals/</loc>
		<lastmod>2007-11-15T16:03:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-governments-deregulatory-review-proposals/</loc>
		<lastmod>2007-11-15T16:02:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/government-must-remove-ban-on-employers-offering-conditionally-indexed-pensions/</loc>
		<lastmod>2007-11-15T16:35:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-governments-deregulatory-review-proposals/</loc>
		<lastmod>2007-11-15T16:04:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/conflicts-of-interest-gordon-sharp/</loc>
		<lastmod>2017-06-24T21:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deregulatory-review-update-ian-farr/</loc>
		<lastmod>2017-06-24T19:56:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-consultation-on-cross-border-activities-regulations-2005/</loc>
		<lastmod>2007-12-10T12:17:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-more-is-needed-in-pensions-bill/</loc>
		<lastmod>2007-12-05T17:52:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-on-flexible-retirement-consultation/</loc>
		<lastmod>2007-12-10T15:07:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2007-review-and-pension-trends-report-published/</loc>
		<lastmod>2007-12-19T11:42:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2007-final-survey-report-included-in-review-and-report/</loc>
		<lastmod>2007-12-30T14:27:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-written-evidence-to-the-pensions-bill-committee/</loc>
		<lastmod>2008-02-02T13:01:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/written-evidence-to-pensions-bill-committee-/</loc>
		<lastmod>2008-01-27T13:22:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/report-notes-public-sector-employees-out-number-private-sector-employees-by-5-to-1-in-open-defined-benefit-schemes/</loc>
		<lastmod>2008-01-01T12:01:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/solvency-ii-and-pension-schemes-jane-beverley/</loc>
		<lastmod>2017-06-24T20:03:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bas-conceptual-framework-graham-everness/</loc>
		<lastmod>2017-06-24T20:07:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-conceptual-framework-consultation/</loc>
		<lastmod>2008-02-01T16:15:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/will-government-seize-opportunity-to-halt-decline-in-quality-workplace-pensions-/</loc>
		<lastmod>2008-02-16T12:46:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/briefing-to-pensions-bill-committee-on-conditional-indexation-amendment/</loc>
		<lastmod>2008-02-16T12:43:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/david-blake-presentation/</loc>
		<lastmod>2017-06-24T20:49:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/warren-singer-presentation/</loc>
		<lastmod>2017-06-24T20:51:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/andrew-lennard-presentation/</loc>
		<lastmod>2017-06-24T20:55:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-risk-sharing-consultation-announced-by-minister/</loc>
		<lastmod>2008-02-22T16:32:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-trivial-commutation-reform/</loc>
		<lastmod>2008-03-12T15:15:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-on-admission-body-arrangements-to-lgps-/</loc>
		<lastmod>2008-04-18T12:43:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-written-evidence-to-treasury-select-committee-on-inherited-estates/</loc>
		<lastmod>2008-04-17T11:39:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-consultation-on-wind-up/</loc>
		<lastmod>2008-04-17T11:40:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-bill-not-yet-fit-for-purpose/</loc>
		<lastmod>2008-04-17T17:31:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-pada-charging-structure-for-personal-accounts/</loc>
		<lastmod>2008-04-24T12:24:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iasb-discussion-paper-issues-richard-davis/</loc>
		<lastmod>2017-06-24T20:58:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/john-harrison-equity-market-volatility/</loc>
		<lastmod>2017-06-24T21:12:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/stephen-hobbis-bond-market-volatility/</loc>
		<lastmod>2017-06-24T21:15:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/phil-simpson-presentation/</loc>
		<lastmod>2017-06-24T21:17:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/peter-vipond-abi-inherited-estates/</loc>
		<lastmod>2017-06-24T21:20:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-mortality-consultation/</loc>
		<lastmod>2008-05-13T17:08:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-bas-conceptual-framework-and-scope--authority-exposure-drafts/</loc>
		<lastmod>2008-05-23T09:56:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/keith-barton-elected-new-aca-chairman/</loc>
		<lastmod>2008-05-28T08:25:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/clare-spottiswoode-presentation/</loc>
		<lastmod>2017-06-24T21:23:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-conflicts-of-interest-consultation/</loc>
		<lastmod>2008-05-30T15:45:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-timing-of-risk-sharing-consultation-paper/</loc>
		<lastmod>2008-06-05T16:27:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-mortality-paper/</loc>
		<lastmod>2008-06-23T10:26:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-paper-on-extra-tpr-powers/</loc>
		<lastmod>2008-06-23T10:27:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-myners-updated-principles-consultation/</loc>
		<lastmod>2008-06-27T11:09:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/cliff-speed-paternoster-presentation/</loc>
		<lastmod>2017-06-24T19:57:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/peter-elwin-jp-morgan-cazenove-presentation/</loc>
		<lastmod>2017-06-24T20:03:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/john-fitzpatrick-pension-insurance-corporation/</loc>
		<lastmod>2017-06-24T20:07:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/briefing-to-lords-committee-stage-conditional-indexation-amendment/</loc>
		<lastmod>2008-06-27T08:31:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/lords-vote-can-boost-workplace-pensions-/</loc>
		<lastmod>2008-06-27T08:35:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-structure-of-standards-consultation/</loc>
		<lastmod>2008-08-05T09:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-reporting-of-actuarial-information-consultation/</loc>
		<lastmod>2008-08-05T09:16:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-good-trustee-practice-guide/</loc>
		<lastmod>2008-08-05T09:12:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-pension-credit-consultation/</loc>
		<lastmod>2008-08-05T09:13:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-risk-sharing-consultation/</loc>
		<lastmod>2008-08-28T11:10:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-freedom-in-pension-design/</loc>
		<lastmod>2008-08-28T08:48:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-risk-sharing-consultation/</loc>
		<lastmod>2008-08-28T08:47:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2008-smaller-firms-survey-report-1/</loc>
		<lastmod>2008-09-03T10:38:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2008-aca-smaller-firms-pension-survey-report-1/</loc>
		<lastmod>2008-09-03T10:38:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2008-pensions-survey-highlights-problems-with-personal-accounts/</loc>
		<lastmod>2008-09-03T18:57:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-on-pension-and-other-consultations/</loc>
		<lastmod>2017-06-24T21:32:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-cash-equivalent-transfer-values-guidance/</loc>
		<lastmod>2008-09-19T15:50:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-iasb-consultation-paper-on-ias-19/</loc>
		<lastmod>2008-10-08T10:12:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-frc-on-monitoring-and-scrutiny-of-actuarial-work/</loc>
		<lastmod>2008-10-08T10:16:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-frc-consultation-on-promoting-actuarial-quality/</loc>
		<lastmod>2008-10-08T10:18:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-refund-of-surplus-consultation/</loc>
		<lastmod>2008-10-08T10:06:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-record-keeping-consultation/</loc>
		<lastmod>2008-10-15T11:58:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-peter-walker-presentation/</loc>
		<lastmod>2017-06-24T20:31:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/brighton-rock-con-keating-presentation/</loc>
		<lastmod>2017-06-24T20:40:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-on-pensions-minister-to-act/</loc>
		<lastmod>2008-10-23T08:54:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-brief-to-lords-ahead-of-report-stage-debate/</loc>
		<lastmod>2008-10-23T09:00:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-contracting-out-consultation/</loc>
		<lastmod>2008-10-27T15:41:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/philip-shier-solvency-ii/</loc>
		<lastmod>2017-06-24T20:45:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/chinu-patel-solvency-ii/</loc>
		<lastmod>2017-06-24T20:49:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-slams-freeze-on-lifetime-allowance/</loc>
		<lastmod>2008-11-25T18:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-pensions-choice-and-incentives-including-speech/</loc>
		<lastmod>2008-11-27T16:52:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-iorp-consultation/</loc>
		<lastmod>2008-12-01T10:33:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-s75-consultation/</loc>
		<lastmod>2008-12-17T09:38:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-regrets-timid-government-risk-sharing-response/</loc>
		<lastmod>2008-12-11T13:12:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-consultation-on-generic-data-standards/</loc>
		<lastmod>2008-12-17T09:39:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-tku/</loc>
		<lastmod>2009-01-01T12:02:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-final-report-of-2008-smaller-firms-pension-survey/</loc>
		<lastmod>2009-01-01T11:38:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2008-smaller-firms-pension-survey-final-report/</loc>
		<lastmod>2009-01-01T11:40:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2008-smaller-firms-pension-survey-paints-worrying-picture-/</loc>
		<lastmod>2009-01-04T13:18:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-anderson-gaches/</loc>
		<lastmod>2017-06-24T20:51:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-urgent-government-action-on-pensions/</loc>
		<lastmod>2009-01-23T13:41:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-future-of-ppf-levy/</loc>
		<lastmod>2009-02-16T11:03:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-moving-between-pension-extremes-not-the-answer-/</loc>
		<lastmod>2009-02-17T10:28:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-modelling-consultation-/</loc>
		<lastmod>2009-02-25T10:59:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-brian-st-john-hall/</loc>
		<lastmod>2017-06-24T19:55:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-dariush-mirfendereski/</loc>
		<lastmod>2017-06-24T20:55:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-alvar-chambers/</loc>
		<lastmod>2017-06-24T20:58:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-pensioner-poverty-enquiry-/</loc>
		<lastmod>2009-03-20T15:17:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pada-on-securing-pensions/</loc>
		<lastmod>2009-03-10T10:35:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-flexible-retirement-consultation/</loc>
		<lastmod>2009-03-10T10:36:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-frc-draft-plans-2009-2010/</loc>
		<lastmod>2009-03-20T15:16:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-gordon-clark/</loc>
		<lastmod>2017-06-24T21:12:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/david-everett-presentation/</loc>
		<lastmod>2017-06-24T21:17:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/maria-gouvas-presentation/</loc>
		<lastmod>2017-06-24T21:21:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/antony-hayes-presentation/</loc>
		<lastmod>2017-06-24T21:24:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-pension-tax-changes-will-have-wider-destructive-impact/</loc>
		<lastmod>2009-04-24T17:10:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/alastair-meeks-presentation/</loc>
		<lastmod>2017-06-24T21:15:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-disclosure-consultation/</loc>
		<lastmod>2009-05-07T09:06:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-middle-way-pension-solutions/</loc>
		<lastmod>2009-05-07T09:05:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/letter-to-hmrc-on-budget-anti-forestalling-measures/</loc>
		<lastmod>2009-05-22T08:03:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-presentation/</loc>
		<lastmod>2017-06-24T19:57:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-on-reporting-actuarial-information/</loc>
		<lastmod>2009-06-17T09:14:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-auto-enrolment-regulations-consultation/</loc>
		<lastmod>2009-06-02T10:23:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-no25-challenges-confronting-consulting-actuaries/</loc>
		<lastmod>2017-04-05T19:00:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/andrew-chiseldine-presentation/</loc>
		<lastmod>2017-06-24T20:03:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/jim-sutcliffe-and-louise-pryor-presentation/</loc>
		<lastmod>2017-06-24T20:16:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2009-pension-trends-survey-questionnaire/</loc>
		<lastmod>2009-07-01T11:25:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-looks-to-mps-pension-reform-as-model-for-future-of-quality-schemes/</loc>
		<lastmod>2009-07-01T10:50:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-consultation-on-pa-draft-scheme-order-and-rules/</loc>
		<lastmod>2009-07-22T12:20:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-and-profession-response-to-ifric14-consultation/</loc>
		<lastmod>2009-07-31T15:09:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-ssrb-review-of-parliamentary-pensions/</loc>
		<lastmod>2009-07-31T15:12:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-gives-evidence-to-mps-pension-review/</loc>
		<lastmod>2009-08-04T09:50:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-submission-to-ssrb-review-of-parliamentary-pensions/</loc>
		<lastmod>2009-09-02T17:12:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pada-investment-consultation/</loc>
		<lastmod>2009-08-10T11:02:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-consultation-on-generic-modelling-standards/</loc>
		<lastmod>2009-08-28T15:51:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-consultation-on-generic-data-standards/</loc>
		<lastmod>2009-08-28T15:52:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-87-of-db-schemes-closed/</loc>
		<lastmod>2009-08-31T13:20:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-report-no1--/</loc>
		<lastmod>2009-08-28T15:55:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2009-pension-trends-report-no1/</loc>
		<lastmod>2009-08-28T15:55:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tas-robert-inglis/</loc>
		<lastmod>2017-06-24T20:20:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-valuation-assumptions-under-s143-and-s179/</loc>
		<lastmod>2009-09-11T09:13:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pensions-tas-appendix/</loc>
		<lastmod>2009-09-21T17:31:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pensions-tas-letter/</loc>
		<lastmod>2009-09-21T17:29:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tas-charles-young/</loc>
		<lastmod>2017-06-24T20:31:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tas-review-phil-wadsworth/</loc>
		<lastmod>2017-06-24T20:41:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-report-no2/</loc>
		<lastmod>2009-09-22T16:39:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2009-pension-trends-survey-report-no2/</loc>
		<lastmod>2009-09-22T16:40:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-avalanche-of-pension-scheme-reviews-ahead/</loc>
		<lastmod>2009-09-23T16:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/chairman-says-government-must-do-more/</loc>
		<lastmod>2009-10-02T08:31:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-aca-2009-pension-trends-survey-andrew-vaughan/</loc>
		<lastmod>2017-06-24T20:52:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-bas-and-the-pensions-tas-gary-bailey/</loc>
		<lastmod>2017-06-24T20:55:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-aca-2009-pension-trends-survey-keith-barton/</loc>
		<lastmod>2017-06-24T20:58:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-bas-and-the-pensions-tas-alison-murray/</loc>
		<lastmod>2017-06-24T21:12:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-reform-consultation-jane-beverley/</loc>
		<lastmod>2017-06-24T20:45:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-presentation-june-mulroy-and-tim-keogh/</loc>
		<lastmod>2017-06-24T20:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-aca-2009-pension-trends-survey-stuart-southall/</loc>
		<lastmod>2017-06-24T21:15:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-bas-and-the-pensions-tas-phil-wadsworth/</loc>
		<lastmod>2017-06-24T21:17:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-workplace-pension-reform-completing-the-picture/</loc>
		<lastmod>2009-11-11T12:54:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-contribution-notices-regs-2010/</loc>
		<lastmod>2009-11-11T13:04:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-2010-11-ppf-levy-consultation/</loc>
		<lastmod>2009-11-11T12:57:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-s75-employer-debt-consultation/</loc>
		<lastmod>2009-11-20T10:55:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/annuities-and-solvency-ii-peter-vipond/</loc>
		<lastmod>2017-06-24T21:21:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/actuaries-code-jim-boyle/</loc>
		<lastmod>2017-06-24T21:24:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-insurance-consultation/</loc>
		<lastmod>2009-11-20T10:55:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-2011-12-levy-consultation-/</loc>
		<lastmod>2009-12-16T09:28:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-survey-statistics/</loc>
		<lastmod>2009-12-24T10:13:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-survey-statistics/</loc>
		<lastmod>2009-12-24T10:14:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pensions-survey-highlights-need-for-action-in-2010/</loc>
		<lastmod>2010-01-02T18:36:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-accounts-tas-bas-consultation/</loc>
		<lastmod>2010-01-12T10:19:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-issue-26-january-2010-workplace-pensions-a-new-hope/</loc>
		<lastmod>2017-04-05T19:00:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/workplace-pensions-a-new-hope-placard-no26/</loc>
		<lastmod>2017-04-05T19:00:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-michael-johnson-and-kevin-wesbroom/</loc>
		<lastmod>2017-06-24T19:58:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-exposure-draft-on-tas-modelling/</loc>
		<lastmod>2010-02-01T11:24:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-re-tax-and-redundancy/</loc>
		<lastmod>2010-02-25T09:51:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-on-pension-tax-and-redundancy/</loc>
		<lastmod>2010-03-05T11:56:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-tax-for-higher-paid-karen-goldschmidt/</loc>
		<lastmod>2017-06-24T20:04:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/retirement-income-manifesto-keith-barton/</loc>
		<lastmod>2017-06-24T20:16:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-transformations-consultation/</loc>
		<lastmod>2010-03-01T10:33:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-revised-guidance-on-internal-controls/</loc>
		<lastmod>2010-03-02T08:17:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pension-tax-relief-consultation/</loc>
		<lastmod>2010-03-04T08:10:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-pension-tax-relief-consultation/</loc>
		<lastmod>2010-03-04T16:46:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-pension-tax-changes-severely-flawed/</loc>
		<lastmod>2010-03-05T10:43:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-on-the-trustees-register/</loc>
		<lastmod>2010-03-11T08:46:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-launches-retirement-income-manifesto-time-to-get-positive/</loc>
		<lastmod>2010-03-15T17:29:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tas-dr-deborah-cooper/</loc>
		<lastmod>2017-06-24T20:20:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/the-equity-risk-premium-fact-or-fiction-tapan-datta/</loc>
		<lastmod>2017-06-24T20:31:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-equalisation-kenneth-donaldson/</loc>
		<lastmod>2017-06-24T20:41:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-equalisation-duncan-buchanan/</loc>
		<lastmod>2017-06-24T20:45:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/case-updates-stephen-scholefield-graham-everness/</loc>
		<lastmod>2017-06-24T20:49:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-equalisation-handout-duncan-buchanan/</loc>
		<lastmod>2017-06-24T20:53:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2010-general-election-aca-says-parties-retirement-income-policies-fall-short/</loc>
		<lastmod>2010-04-21T17:41:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2010-election-placard-retirement-income-policies-and-commentary/</loc>
		<lastmod>2017-04-05T19:00:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2010-general-election-the-parties-retirement-income-policies-compared/</loc>
		<lastmod>2010-04-23T08:10:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-gad-consultation-on-broad-compatability-assumptions/</loc>
		<lastmod>2010-04-23T16:38:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-on-broad-comparability-assumptions/</loc>
		<lastmod>2021-07-11T15:31:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-record-keeping/</loc>
		<lastmod>2010-04-27T16:18:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-time-to-get-positive-about-pensions/</loc>
		<lastmod>2010-04-29T17:12:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-biennial-review/</loc>
		<lastmod>2010-04-28T09:53:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-winding-up-avoiding-delays/</loc>
		<lastmod>2010-04-30T10:38:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-professions-cpd-consultation/</loc>
		<lastmod>2010-05-11T09:04:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/stuart-southall-to-be-next-aca-chairman/</loc>
		<lastmod>2010-05-10T13:00:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-gmp-equalisation-jemma-beattie/</loc>
		<lastmod>2017-06-24T20:55:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-pensions-tas-paul-hamilton/</loc>
		<lastmod>2017-06-24T20:58:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-gmp-equalisation-harry-harper/</loc>
		<lastmod>2017-06-24T21:12:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-pensions-tas-ian-banks/</loc>
		<lastmod>2017-06-24T21:15:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-gmp-equalisation-trevor-brooks-pensions-tas-john-baines/</loc>
		<lastmod>2017-06-24T21:18:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/current-issues-in-regulating-the-profession-sir-philip-mawer/</loc>
		<lastmod>2017-06-24T21:21:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pensions-tas/</loc>
		<lastmod>2010-06-15T09:38:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bas-tm1-illustrations-of-money-purchase-benefits/</loc>
		<lastmod>2010-06-04T09:05:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-brief-ahead-of-debate-on-pensions-and-savings-bill-/</loc>
		<lastmod>2010-06-07T11:07:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-reform-paper-and-pensions-taxation/</loc>
		<lastmod>2010-06-14T17:09:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-public-sector-pension-review-not-enough/</loc>
		<lastmod>2010-06-16T17:24:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-emergency-budget/</loc>
		<lastmod>2010-06-22T18:53:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/simplification-is-the-key-michael-johnson-kevin-wesbroom/</loc>
		<lastmod>2017-06-24T20:44:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tas-implementation-working-group-terms-of-reference/</loc>
		<lastmod>2011-02-18T09:07:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-public-service-pensions-commission/</loc>
		<lastmod>2010-08-17T09:07:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-public-service-pensions-commission/</loc>
		<lastmod>2010-08-03T15:26:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-public-service-pensions-commission/</loc>
		<lastmod>2010-08-04T16:45:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-scape-review/</loc>
		<lastmod>2021-07-11T15:14:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-spa-call-for-evidence/</loc>
		<lastmod>2010-08-17T09:06:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-change-in-state-pension-age-to-age-66/</loc>
		<lastmod>2010-08-06T12:21:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-scape-review/</loc>
		<lastmod>2021-07-11T15:21:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-link-state-pension-age-to-longevity-of-those-on-lower-incomes/</loc>
		<lastmod>2010-08-09T09:08:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-auto-enrolment-review/</loc>
		<lastmod>2010-08-16T12:49:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-submission-to-auto-enrolment-review/</loc>
		<lastmod>2010-08-25T13:24:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-exposure-draft-on-transformations/</loc>
		<lastmod>2010-08-26T11:13:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-auto-enrolment-survey-points-to-levelling-down-at-larger-employers/</loc>
		<lastmod>2010-08-29T18:26:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-auto-enrolment-in-larger-employers-survey-report/</loc>
		<lastmod>2010-08-26T17:20:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-auto-enrolment-in-larger-employers-survey-report/</loc>
		<lastmod>2010-08-26T17:22:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pension-tax-relief-paper/</loc>
		<lastmod>2010-09-01T14:04:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pensions-taxation-paper/</loc>
		<lastmod>2010-09-01T14:06:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-iasb-exd-on-amendments-to-ias-19/</loc>
		<lastmod>2010-09-06T15:06:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-covenants-contingent-assets-etc/</loc>
		<lastmod>2010-09-08T08:11:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-simplification-in-pensions-tax-relief-response/</loc>
		<lastmod>2010-09-08T10:08:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-annuity-reform-consultation/</loc>
		<lastmod>2010-09-13T13:07:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-co-ordinated-approach-including-speech/</loc>
		<lastmod>2010-09-10T07:30:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-changes-in-response-to-annuity-consultation/</loc>
		<lastmod>2010-09-20T10:05:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/karen-goldschmidt-2011-restriction-to-pension-tax-relief/</loc>
		<lastmod>2017-06-24T21:24:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/peter-williams-summer-of-consultations/</loc>
		<lastmod>2017-06-24T19:59:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-consultation-on-db-multi-employer-schemes-and-departures/</loc>
		<lastmod>2010-09-23T09:44:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/survey-of-smaller-firms-pensions-finds-high-opt-outs-expected-from-new-pensions/</loc>
		<lastmod>2010-09-26T00:18:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2010-auto-enrolment-survey-in-smaller-firms-report/</loc>
		<lastmod>2010-09-24T08:14:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-auto-enrolment-is-smaller-firms-report/</loc>
		<lastmod>2011-08-31T16:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-tpr-consultation-on-transfer-incentives/</loc>
		<lastmod>2010-10-06T08:29:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-public-service-pensions-commission-report/</loc>
		<lastmod>2010-10-07T13:53:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-treasury-pension-taxation-restriction/</loc>
		<lastmod>2010-10-15T15:55:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-dwp-on-abolition-of-dc-contracting-out-consultation/</loc>
		<lastmod>2010-10-22T09:41:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/andrew-gaches-presentation/</loc>
		<lastmod>2017-06-24T20:04:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/costas-yiasoumi-and-gavin-jones-presentation/</loc>
		<lastmod>2017-06-24T20:17:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-default-retirement-age-consultation/</loc>
		<lastmod>2010-11-12T17:17:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/auto-enrolment-aca-to-make-proposals-to-combat-levelling-down/</loc>
		<lastmod>2010-10-27T14:50:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-hmt-on-proposed-reduction-in-lta/</loc>
		<lastmod>2010-11-03T16:06:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-dwp-consultation-on-fas-and-ppf-indexation-regs/</loc>
		<lastmod>2010-11-03T16:07:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-2011-12-levy-consultation/</loc>
		<lastmod>2010-11-12T17:15:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-asb-consultation-on-cpi/</loc>
		<lastmod>2010-11-12T17:18:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-eu-future-of-pensions-paper/</loc>
		<lastmod>2010-11-12T17:16:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-gad-consultation-on-2012-2017-contracting-out-rebates/</loc>
		<lastmod>2010-11-15T16:46:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-consultation-on-contracting-out-review/</loc>
		<lastmod>2021-07-11T15:48:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-eu-pensions-green-paper/</loc>
		<lastmod>2010-11-17T09:17:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-full-response-to-eu-pensions-green-paper/</loc>
		<lastmod>2010-11-17T09:18:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-martin-clarke-ppf/</loc>
		<lastmod>2017-06-24T20:20:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-sara-protheroe-ppf/</loc>
		<lastmod>2017-06-24T20:31:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-martin-lowes/</loc>
		<lastmod>2017-06-24T20:41:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/applying-tas-principles/</loc>
		<lastmod>2019-02-26T10:29:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-public-service-pensions-commission/</loc>
		<lastmod>2010-12-20T09:43:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-levy-framework/</loc>
		<lastmod>2011-01-14T11:55:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-survey-finds-pension-contributions-not-keeping-pace-/</loc>
		<lastmod>2011-01-02T23:48:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-smaller-firms-pension-survey-report/</loc>
		<lastmod>2010-12-23T11:52:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-smaller-firms-survey-final-report/</loc>
		<lastmod>2011-08-31T16:12:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-hmt-on-scheme-pays/</loc>
		<lastmod>2011-01-11T08:24:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-occupational--personal-pensions-2011-draft-regs/</loc>
		<lastmod>2011-01-11T08:25:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-alvar-chambers/</loc>
		<lastmod>2017-06-24T20:45:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-jonathan-parker/</loc>
		<lastmod>2017-06-24T20:49:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-tax-pips-date-to-reflect-default/</loc>
		<lastmod>2011-02-17T16:48:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-early-access-consultation/</loc>
		<lastmod>2011-02-25T18:11:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-lends-support-to-early-access/</loc>
		<lastmod>2011-03-01T08:17:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-discount-rate-consultation/</loc>
		<lastmod>2011-03-03T18:03:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-consultation-on-the-use-of-cpi-as-the-measure-of-price-increases-on-private-sector-occupational-pension-schemes/</loc>
		<lastmod>2011-03-04T17:21:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-offering-a-default-option-for-defined-contribution-automatic-enrolment-pension-schemes-consultation/</loc>
		<lastmod>2011-03-07T16:26:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-cpi-equity-between-private-and-public-sectors/</loc>
		<lastmod>2011-03-07T13:11:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-hutton-report-but-concerns-over-timetable/</loc>
		<lastmod>2011-03-10T10:36:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-and-aca-letters-exchange-change-to-annual-allowance-charges/</loc>
		<lastmod>2011-08-25T09:15:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-charles-young/</loc>
		<lastmod>2017-06-24T20:53:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tas-m-consideration-in-applying-standard/</loc>
		<lastmod>2012-11-30T12:58:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-suzanne-dosell-andrew-constantinou/</loc>
		<lastmod>2017-06-24T20:55:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-discount-rate-consultation-2/</loc>
		<lastmod>2021-07-11T15:57:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-presentation-by-graeme-muir/</loc>
		<lastmod>2017-06-24T20:59:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-presentation-by-eddie-mcauley/</loc>
		<lastmod>2017-06-24T21:12:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-meeting-auto-enrolment/</loc>
		<lastmod>2017-06-24T21:15:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-meeting-the-pensions-tas/</loc>
		<lastmod>2017-06-24T21:19:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-pension-reforms-are-incomplete-/</loc>
		<lastmod>2011-04-08T09:13:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/sam-smith-presentation/</loc>
		<lastmod>2017-06-24T21:21:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/mark-seed-presentation/</loc>
		<lastmod>2017-06-24T21:24:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/michael-johnson-presentation/</loc>
		<lastmod>2017-06-24T19:59:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-regulatory-differences-between-occupational-and-workplace-pensions/</loc>
		<lastmod>2011-04-19T09:37:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-workplace-retirement-income-commission/</loc>
		<lastmod>2011-04-27T08:53:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-workplace-retirement-income-commission/</loc>
		<lastmod>2012-10-05T09:40:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-workplace-retirement-income-commission-/</loc>
		<lastmod>2011-05-03T10:12:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-workplace-retirement-income-commission/</loc>
		<lastmod>2011-05-03T10:06:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-trevor-llanwarne-and-colin-wilson/</loc>
		<lastmod>2017-06-24T20:17:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-by-dave-grimshaw/</loc>
		<lastmod>2017-06-24T20:04:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-and-aca-exchange-annual-allowance-year-of-drawing-benefit/</loc>
		<lastmod>2011-08-25T09:03:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-and-aca-exchange-16-march-2011-guidance-continues-to-apply-/</loc>
		<lastmod>2011-06-02T15:38:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bas-consultation-on-statutory-money-purchase-illustrations/</loc>
		<lastmod>2013-09-06T16:08:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-hmt-fair-deal-pensions-consultation/</loc>
		<lastmod>2011-06-16T16:53:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-gmp-equalisation-unlikely-to-be-achieved/</loc>
		<lastmod>2011-06-15T07:59:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-rosalind-connor/</loc>
		<lastmod>2017-06-24T20:29:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-dr-deborah-cooper/</loc>
		<lastmod>2017-06-24T20:31:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-dr-deborah-cooper/</loc>
		<lastmod>2017-06-24T20:41:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-peter-barnard/</loc>
		<lastmod>2017-06-24T20:45:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-rosalind-connor/</loc>
		<lastmod>2017-06-24T20:50:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-21st-century-state-pension-reform-paper/</loc>
		<lastmod>2011-06-30T16:23:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-employer-debt-consultation/</loc>
		<lastmod>2011-09-02T17:40:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-and-hmrc-letters-covering-note/</loc>
		<lastmod>2011-12-08T08:22:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letters-to-hmrc-various-matters/</loc>
		<lastmod>2020-10-19T15:30:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-third-of-larger-employers-are-looking-to-reduce-pension-spend/</loc>
		<lastmod>2011-08-31T17:16:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-report-points-to-levelling-down-concern/</loc>
		<lastmod>2011-09-01T08:37:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2011-interim-survey-report-points-to-levelling-down-concern/</loc>
		<lastmod>2011-08-30T13:11:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-scheme-pays-in-practice/</loc>
		<lastmod>2011-09-01T17:18:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-clive-wellsteed-and-jerome-melcer/</loc>
		<lastmod>2017-06-24T20:53:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/presentation-costas-yiasoumi/</loc>
		<lastmod>2017-06-24T20:55:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-cpi-linked-gilts-a-consultation-document/</loc>
		<lastmod>2011-09-27T10:11:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-completing-the-legislative-framework/</loc>
		<lastmod>2011-10-13T09:23:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-levy-presentation-chris-collins/</loc>
		<lastmod>2017-06-24T20:59:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/discount-rate-framework-robert-hails/</loc>
		<lastmod>2017-06-24T21:12:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-letter-examples-of-how-pension-input-amounts-are-calculated/</loc>
		<lastmod>2011-10-25T16:53:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-and-actuarial-profession-response-consultation-on-defined-benefits-pension-schemes-and-hybrid-pension-schemes-guidance-regulations-and-rules/</loc>
		<lastmod>2011-11-01T17:52:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-2012-and-2013-levy/</loc>
		<lastmod>2011-11-04T11:21:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-meeting-david-breslin/</loc>
		<lastmod>2017-06-24T21:16:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/manchester-regional-meeting-mark-seed/</loc>
		<lastmod>2017-06-24T21:19:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/edinburgh-meeting-chris-collins/</loc>
		<lastmod>2017-06-24T21:21:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/edinburgh-meeting-jemma-beattie/</loc>
		<lastmod>2017-06-24T21:24:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-jane-harding/</loc>
		<lastmod>2017-06-24T19:59:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-richard-abramson/</loc>
		<lastmod>2017-06-24T20:05:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/conflicts-of-interest-ben-kemp/</loc>
		<lastmod>2017-06-24T20:17:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-tax-update-karen-goldschmidt/</loc>
		<lastmod>2017-06-24T20:29:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-vision-to-invigorate-workplace-pensions/</loc>
		<lastmod>2011-11-25T09:48:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-discussion-paper-on-bridging-gap-between-public-and-private-pensions/</loc>
		<lastmod>2011-11-28T08:58:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-discussion-paper-on-bridging-gap-between-public-and-private-pensions/</loc>
		<lastmod>2011-11-28T08:56:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-correspondence-re-scheme-specific-lump-sum-protection-amounts-from-6-april-2012/</loc>
		<lastmod>2011-12-07T16:25:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-prec-conflicts-of-interest-consultation/</loc>
		<lastmod>2012-01-20T17:24:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-gulf-between-private-and-public-pensions-is-growing/</loc>
		<lastmod>2012-01-01T23:23:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-survey-statistical-supplement/</loc>
		<lastmod>2011-12-20T13:11:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2011-pension-trends-report/</loc>
		<lastmod>2011-12-22T16:23:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-eiopa-consultation-on-iorp2/</loc>
		<lastmod>2012-10-05T09:39:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-eiopa-consultation-on-iorp2/</loc>
		<lastmod>2012-01-20T17:25:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-eiopa-consultation-on-iorp-2/</loc>
		<lastmod>2012-01-09T15:17:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-solvency-ii-type-approach-to-funded-pensions-is-inappropriate-unaffordable-and-unnecessary/</loc>
		<lastmod>2012-01-10T11:08:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-consultation-on-auto-enrolment-thresholds-/</loc>
		<lastmod>2012-02-17T11:55:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iorp-2-paul-kelly-presentation/</loc>
		<lastmod>2017-06-24T20:31:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/small-pots-and-red-tape-peter-williams-presentation/</loc>
		<lastmod>2017-06-24T20:41:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-equalisation-charles-young-and-duncan-buchanan/</loc>
		<lastmod>2017-06-24T21:21:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/nest-update-tim-jones-presentation/</loc>
		<lastmod>2017-06-24T21:24:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aa-and-scheme-pays-letter-to-hmrc/</loc>
		<lastmod>2012-03-16T15:03:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/annual-allowance-and-scheme-pays-introduction-to-web-entry-below-dated-15-march-2012-/</loc>
		<lastmod>2012-03-16T15:02:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/supersizing-pensions-richard-wilson-presentation/</loc>
		<lastmod>2017-06-24T19:59:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/budget-comment-from-aca-/</loc>
		<lastmod>2012-03-22T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-small-pots-consultation/</loc>
		<lastmod>2012-03-23T16:09:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-advance-notice-fixed-protection-and-death-benefits/</loc>
		<lastmod>2012-03-30T10:38:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-government-conversion-to-defined-ambition/</loc>
		<lastmod>2012-04-10T11:38:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-gmp-consultation/</loc>
		<lastmod>2012-04-13T14:59:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-statutory-register-of-lobbyists-consultation/</loc>
		<lastmod>2012-04-13T15:00:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-gmp-equalisation-proposals-could-cost-over-13-billion-pounds/</loc>
		<lastmod>2012-04-13T15:10:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/paul-sweeting-pension-funds-and-low-interest-rates/</loc>
		<lastmod>2017-06-24T20:05:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/mark-humphreys-and-paul-connell-pensions-and-low-interest-challenge/</loc>
		<lastmod>2017-06-24T20:18:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a-introduction-to-hmrc-letters-b-d-all-dated-23-april-2012/</loc>
		<lastmod>2012-04-23T17:32:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b-valuation-of-deferred-benefits-/</loc>
		<lastmod>2012-04-23T17:33:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c-changes-to-deferment-revaluation-on-annuity-purchase/</loc>
		<lastmod>2012-04-23T17:34:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d-pensioner-deferred-revaluation-significance/</loc>
		<lastmod>2012-04-23T17:35:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-tpr-statement-/</loc>
		<lastmod>2012-04-27T11:07:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-erm-actuaries-can-boldly-go-where-few-have-gone-before/</loc>
		<lastmod>2017-04-05T19:00:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/erm-actuaries-developing-role/</loc>
		<lastmod>2012-05-17T10:07:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-statement-chinu-patel-and-tim-keogh/</loc>
		<lastmod>2017-06-24T20:29:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-statement-bob-scott/</loc>
		<lastmod>2017-06-24T20:32:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-asb-on-future-of-financial-reporting/</loc>
		<lastmod>2012-05-01T11:59:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-outgoing-chairman-calls-for-better-financial-education/</loc>
		<lastmod>2012-06-01T08:00:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-aca-chairman-backs-pension-revolution/</loc>
		<lastmod>2012-06-01T09:21:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/code-on-incentive-exercises-massey-and-camfield/</loc>
		<lastmod>2017-06-24T20:41:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-meeting-chinu-patel-tpr/</loc>
		<lastmod>2017-06-24T20:46:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-meeting-alison-creasy/</loc>
		<lastmod>2017-06-24T20:50:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-calum-cooper/</loc>
		<lastmod>2017-06-24T20:57:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-carl-davey-tpr/</loc>
		<lastmod>2017-06-24T20:53:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-carl-davey-tpr/</loc>
		<lastmod>2017-06-24T20:59:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-john-martin/</loc>
		<lastmod>2017-06-24T21:13:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-napf-dc-charges-consultation/</loc>
		<lastmod>2012-07-05T10:35:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-disquiet-over-eu-consultation/</loc>
		<lastmod>2012-07-05T09:58:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a-introduction-to-aca-letters-posted-on-24-july-2012-to-hmrc-b-d-inclusive-below/</loc>
		<lastmod>2012-07-24T11:39:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b-letter-to-hmrc-dated-15-june-2012-re-relevant-percentage/</loc>
		<lastmod>2012-07-24T11:41:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c-aca-letter-to-hmrc-dated-15-june-2012-re-split-npas/</loc>
		<lastmod>2012-07-24T11:43:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d-aca-letter-to-hmrc-dated-24-july-re-valuation-methodology-for-aa-and-fp-for-deferred-members/</loc>
		<lastmod>2012-07-24T11:44:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-eiopa-re-draft-qis-specifications/</loc>
		<lastmod>2012-07-30T10:32:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-dmo-on-super-long-and-perpetual-gilts/</loc>
		<lastmod>2012-08-30T16:40:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-frc-re-tas-extension-incentive-exercises/</loc>
		<lastmod>2012-08-23T10:37:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ops-misc-amendments-regs-2013/</loc>
		<lastmod>2012-08-30T16:41:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iorp-ii-update-alex-waite-and-colin-haines/</loc>
		<lastmod>2017-06-24T21:16:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-auto-enrolment-earnings-threshold-review-2013-14/</loc>
		<lastmod>2012-09-25T15:54:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-bis-consultation-on-directors-pay--/</loc>
		<lastmod>2012-09-28T16:31:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-bis-consultation-on-reporting-directors-pension-/</loc>
		<lastmod>2012-10-05T09:35:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-concerns-over-changes-in-way-directors-pensions-are-reported/</loc>
		<lastmod>2012-10-05T09:48:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2012-smaller-firms-pensions-survey-report/</loc>
		<lastmod>2012-10-11T16:53:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-smaller-employers-unprepared-for-auto-enrolment/</loc>
		<lastmod>2012-10-15T06:36:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2012-smaller-firms-survey-report/</loc>
		<lastmod>2012-10-11T16:55:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/chris-daykin-presentation-making-auto-enrolment-work-rob-dale-presentation-contact-secretariat/</loc>
		<lastmod>2017-06-24T21:19:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-2013/14-ppf-levy-consultation/</loc>
		<lastmod>2012-11-15T17:13:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-and-aca-exchange-re-auto-enrolment-outside-pa-2008-fixed-and-enhanced-protection/</loc>
		<lastmod>2012-11-02T11:13:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ops-misc-amendments-regs-2013/</loc>
		<lastmod>2012-11-15T17:11:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/dave-grimshaw-presentation-test-achats/</loc>
		<lastmod>2017-06-24T21:22:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-governments-workplace-pension-reinvigoration-paper/</loc>
		<lastmod>2012-11-22T08:54:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/philip-bennett-presentation-test-achats/</loc>
		<lastmod>2017-06-24T21:24:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/jeremy-goodwin-and-deborah-cooper-money-purchase-benefits-definition/</loc>
		<lastmod>2017-06-24T20:00:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comment-on-autumn-statement/</loc>
		<lastmod>2012-12-05T16:22:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/an-approach-to-applying-the-principles-with-technical-actuarial-standards/</loc>
		<lastmod>2012-12-07T12:51:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-mps-pension-consultation/</loc>
		<lastmod>2012-12-10T10:07:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-questions-and-answers-on-guidance-for-cerification-of-db-hybrids-and-dc-schemes-under-employer-duties-regime/</loc>
		<lastmod>2012-12-12T17:06:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-mps-pension-reform-consultation/</loc>
		<lastmod>2012-12-13T13:13:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-work-and-the-scope-of-the-transformations-tas/</loc>
		<lastmod>2012-12-21T07:42:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/reserved-work-and-its-application-to-pensions-actuarial-advice/</loc>
		<lastmod>2012-12-21T07:44:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-work-and-the-scope-of-the-pensions-tas/</loc>
		<lastmod>2012-12-21T07:45:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-pension-contributions-flatlining-in-smaller-firms/</loc>
		<lastmod>2013-01-02T07:34:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-aa-charge-amendment-order/</loc>
		<lastmod>2013-01-03T09:46:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-aa-charge-amendment-order-closing-adjustments-for-transfers-in-to-db-and-cb-arrangements/</loc>
		<lastmod>2018-06-26T10:42:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-replies-to-aca-letters-of-15-june-and-24-july-2012/</loc>
		<lastmod>2018-06-26T10:37:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/simon-boniwell-presentation-dwp-paper-on-reinvigoration/</loc>
		<lastmod>2017-06-24T20:05:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/jane-beverley-and-catherine-love-soper-db-ideas/</loc>
		<lastmod>2017-06-24T20:18:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/david-hutchins-presentation-dc-ideas/</loc>
		<lastmod>2017-06-24T20:29:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-comments-on-single-tier-reform-and-workplace-reforms-ahead-of-2017/</loc>
		<lastmod>2013-01-14T12:09:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/edinburgh-meeting-david-fairs/</loc>
		<lastmod>2017-06-24T20:39:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-meeting-david-fairs/</loc>
		<lastmod>2017-06-24T20:42:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-smaller-firms-have-doubts-about-fewer-larger-pension-schemes/</loc>
		<lastmod>2013-01-31T09:38:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-smaller-firms-unconvinced-by-fewer-larger-schemes-at-present/</loc>
		<lastmod>2013-02-01T07:58:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-smaller-firms-have-doubts-about-fewer-larger-pension-schemes-/</loc>
		<lastmod>2013-01-31T09:36:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-and-hmrc-exchange-re-aa-and-deferred-membes/</loc>
		<lastmod>2013-02-04T12:04:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-update-on-pension-tax-regulations/</loc>
		<lastmod>2013-02-06T08:16:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-re-finance-bill/</loc>
		<lastmod>2013-03-28T17:01:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-fair-deal-consultation/</loc>
		<lastmod>2013-02-12T10:17:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-dwp-consultation-on-tpr-objectives/</loc>
		<lastmod>2013-02-22T14:30:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deborah-cooper-presentation/</loc>
		<lastmod>2017-06-24T20:46:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/kenneth-donaldson-presentation/</loc>
		<lastmod>2017-06-24T20:50:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/apl-letter-to-hmc-re-fixed-protection-an-qinetiq-type-rules/</loc>
		<lastmod>2013-03-04T16:32:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-reply-to-apl-re-fixed-protection-and-qinetiq-type-rules/</loc>
		<lastmod>2013-03-04T16:33:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-re-personalised-protection-25-february-2013/</loc>
		<lastmod>2013-03-04T16:46:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-whether-to-smooth-assets-and-liabilities-in-scheme-funding-valuations/</loc>
		<lastmod>2013-03-07T15:36:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/greater-flexibility-from-the-pensions-regulator-is-the-way-forward/</loc>
		<lastmod>2013-06-14T15:40:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/greater-flexibility-from-the-pensions-regulator-rather-than-smoothing-is-the-way-forward/</loc>
		<lastmod>2013-03-08T11:41:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-draft-pensions-bill/</loc>
		<lastmod>2013-03-15T16:34:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-ppf-last-man-standing-query/</loc>
		<lastmod>2013-03-18T16:45:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-reply-to-aca-letter-re-last-man-standing-query/</loc>
		<lastmod>2013-03-18T16:47:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-budget-announcement/</loc>
		<lastmod>2013-03-21T11:54:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/draft-pensions-bill-david-everett/</loc>
		<lastmod>2017-06-24T20:57:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/update-on-solvency-ii-phil-simpson/</loc>
		<lastmod>2017-06-24T20:59:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/update-on-iorp-ii-paul-kelly/</loc>
		<lastmod>2017-06-24T21:13:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-regulation-of-dc-schemes/</loc>
		<lastmod>2013-03-28T16:00:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-produces-test-scheme-standard-actuarial-certificate-note-updated-on-25-january-2016-/</loc>
		<lastmod>2013-04-11T10:58:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013-/</loc>
		<lastmod>2013-04-12T16:36:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/deborah-cooper-on-inflation-indices/</loc>
		<lastmod>2017-06-24T21:16:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/howard-kearns-where-is-the-value-inflation-or-interest-rates/</loc>
		<lastmod>2017-06-24T21:19:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/lars-krechel-the-great-rotation/</loc>
		<lastmod>2017-06-24T21:22:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-early-decision-to-make-lpi-optional/</loc>
		<lastmod>2013-06-14T15:38:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-early-decision-to-make-limited-price-indexation-optional-to-help-preserve-more-db-schemes-/</loc>
		<lastmod>2013-04-25T16:26:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/annual-allowance-and-db-transfer-in-credits/</loc>
		<lastmod>2013-05-01T07:42:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-technical-changes-to-ae/</loc>
		<lastmod>2013-05-08T08:09:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-the-queens-speech-and-tpr-annual-funding-statement/</loc>
		<lastmod>2013-05-08T13:38:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-annual-statement-stephen-soper-and-tim-keogh/</loc>
		<lastmod>2017-06-24T21:25:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/quality-assurance-scheme-sir-philip-mawer-and-jenny-conway/</loc>
		<lastmod>2017-06-24T20:00:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-northern-conference/</loc>
		<lastmod>2017-11-01T19:14:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/brief-on-2013-pensions-bill-produced-by-aca-apl-and-napf--/</loc>
		<lastmod>2013-06-14T15:45:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-apl-and-napf-produce-brief-on-2013-pensions-bill/</loc>
		<lastmod>2013-06-21T07:56:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to--hmrc-draft-statutory-instrument-the-registered-pension-schemes-provision-of-information-amendment-regulations-2013/</loc>
		<lastmod>2013-06-14T15:16:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-grand-minimum-brent-walker/</loc>
		<lastmod>2017-06-24T20:53:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-written-evidence-to-public-bill-committee-re-2013-pensions-bill/</loc>
		<lastmod>2013-06-28T09:09:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-public-bill-committee-re-2013-pensions-bill-/</loc>
		<lastmod>2013-06-28T09:07:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-written-evidence-to-public-bill-committee-on-pensions-bill/</loc>
		<lastmod>2013-07-02T07:57:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-launches-major-pensions-survey-and-gives-evidence-on-pensions-bill/</loc>
		<lastmod>2013-07-02T07:54:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-july-2013/</loc>
		<lastmod>2013-09-18T20:23:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ifoa-consultation-on-quality-assurance-scheme/</loc>
		<lastmod>2013-07-08T11:49:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/annual-allowance-and-db-scheme-transfers-interim-announcement-from-hmrc/</loc>
		<lastmod>2013-07-17T16:04:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-and-institute-joint-response-to-iasb-on-ias19-amendment/</loc>
		<lastmod>2013-07-25T16:28:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-the-draft-fair-deal-published-july-2013/</loc>
		<lastmod>2013-09-04T16:07:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-hmrc-pensions-tax-relief-lta-protection/</loc>
		<lastmod>2013-09-06T08:18:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/martin-clarke-ppf-update/</loc>
		<lastmod>2017-06-24T20:18:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/edward-brown-implications-of-nortel-decision/</loc>
		<lastmod>2017-06-24T20:29:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-dependants-pension-problems/</loc>
		<lastmod>2014-06-23T11:39:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-2014-15-ppf-levy-consultation/</loc>
		<lastmod>2013-10-22T12:40:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-getting-a-nation-working-longer/</loc>
		<lastmod>2017-04-05T19:00:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-paper-explores-getting-a-nation-working-longer/</loc>
		<lastmod>2013-10-23T08:35:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fair-deal-sarah-deacon/</loc>
		<lastmod>2017-06-24T20:42:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fair-deal-kevin-hughes/</loc>
		<lastmod>2017-06-24T20:46:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fair-deal-clare-hobro/</loc>
		<lastmod>2017-06-24T20:50:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/working-longer-cathy-love-soper-and-ross-matthews/</loc>
		<lastmod>2017-06-24T20:05:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2013-survey-report-the-unfinished-agenda/</loc>
		<lastmod>2013-11-07T10:27:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-employer-support-for-defined-ambition-proposals/</loc>
		<lastmod>2013-11-07T10:28:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2013-survey-report-the-unfinished-agenda/</loc>
		<lastmod>2013-11-07T10:26:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-charging-consultation/</loc>
		<lastmod>2013-11-28T17:12:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-calls-for-business-community-to-be-positive-about-defined-ambition-pensions/</loc>
		<lastmod>2013-11-28T08:44:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-welcomes-tpr-consultations-/</loc>
		<lastmod>2013-12-02T11:47:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/defined-ambition-presentation-by-mike-lebrun-dwp/</loc>
		<lastmod>2017-06-24T20:53:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/quality-assurance-scheme-ben-kemp-ifoa-and-richard-fleck-frc/</loc>
		<lastmod>2017-06-24T20:57:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-on-bridge-regulations/</loc>
		<lastmod>2013-12-16T09:20:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-defined-ambition-consultation-/</loc>
		<lastmod>2013-12-20T15:39:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-defined-ambition-consultation/</loc>
		<lastmod>2013-12-20T15:40:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-defined-ambition-consultation/</loc>
		<lastmod>2013-12-20T15:42:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-abi-a-new-retirement/</loc>
		<lastmod>2013-12-20T17:00:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-finds-employers-back-auto-escalation-schemes-to-boost-pensions/</loc>
		<lastmod>2013-12-31T23:43:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pension-trends-survey-report-time-to-save-more-for-tomorrow-/</loc>
		<lastmod>2013-12-31T23:46:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2013-survey-report-2-time-to-save-more-for-tomorrow/</loc>
		<lastmod>2018-03-14T11:05:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-january-2014/</loc>
		<lastmod>2014-01-10T07:40:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-funding-consultation-tim-keogh-and-mike-birch/</loc>
		<lastmod>2017-06-24T20:59:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-funding-consultation-glasgow-regional-meeting/</loc>
		<lastmod>2017-06-24T21:13:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-law-commission-consultation-on-fiduciary-duties/</loc>
		<lastmod>2014-01-27T15:46:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-funding-consultation-birmingham-regional-meeting/</loc>
		<lastmod>2017-06-24T21:16:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-funding-consultation-leeds-regional-meeting/</loc>
		<lastmod>2017-06-24T21:19:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-finance-bill-2014-lifetime-allowance/</loc>
		<lastmod>2014-09-17T14:47:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-db-regulation/</loc>
		<lastmod>2014-02-06T15:43:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/whole-fund-management-mike-rogers/</loc>
		<lastmod>2017-06-24T20:30:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pre-retirement-strategies-for-dc-dan-morris/</loc>
		<lastmod>2017-06-24T20:19:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-thrust-of-budget-pension-reforms/</loc>
		<lastmod>2014-03-19T17:34:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/kevin-wesbroom-case-for-cdc/</loc>
		<lastmod>2017-06-24T20:30:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/richard-jones-case-against-cdc/</loc>
		<lastmod>2017-06-24T20:40:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/alan-higham-new-world-post-budget-2014/</loc>
		<lastmod>2017-06-24T20:44:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-cdc-the-future-for-uk-pensions/</loc>
		<lastmod>2018-03-14T10:39:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-paper-asks-are-cdc-schemes-the-future-for-workplace-pensions/</loc>
		<lastmod>2014-03-26T07:47:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-april-2014/</loc>
		<lastmod>2015-04-22T15:16:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/feedback-on-the-burden-created-for-scheme-administrators-by-pensions-savings-statements/</loc>
		<lastmod>2015-08-25T16:44:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-role-and-db-ian-pittaway/</loc>
		<lastmod>2017-06-24T20:45:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-and-db-stewart-hastie/</loc>
		<lastmod>2017-06-24T20:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/legal-issues-end-of-db-contracting-out-mark-atkinson/</loc>
		<lastmod>2017-06-24T20:53:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/actuarial-issues-end-of-db-contracting-out-david-everett-2/</loc>
		<lastmod>2017-06-24T20:56:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/actuarial-issues-end-of-db-contracting-out-david-everett/</loc>
		<lastmod>2017-06-24T20:59:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/david-fairs-elected-aca-chairman-from-1-june-2014/</loc>
		<lastmod>2014-05-06T11:10:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-dwp-better-workplace-pensions-consultation/</loc>
		<lastmod>2014-05-16T11:28:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-and-choice-in-pensions-jonathan-camfield/</loc>
		<lastmod>2017-06-24T20:02:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-db-transfers-to-dc-should-not-be-blocked/</loc>
		<lastmod>2014-05-23T10:37:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-and-choice-in-pensions-paul-macro/</loc>
		<lastmod>2017-06-24T20:06:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-and-choice-in-pensions-charlotte-clark/</loc>
		<lastmod>2017-06-24T20:19:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-defined-ambition-reform-but-still-missed-opportunity/</loc>
		<lastmod>2014-06-04T12:41:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-hmt-freedom-and-choice-in-pensions/</loc>
		<lastmod>2014-09-17T14:56:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-hmt-consultation-freedom-and-choice-in-pensions/</loc>
		<lastmod>2014-06-10T09:14:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-treasury-consultation-on-freedom-and-choice-in-pensions/</loc>
		<lastmod>2014-06-10T11:13:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-tpr-code-on-db-funding/</loc>
		<lastmod>2014-06-10T15:51:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-levy-david-taylor-and-gareth-rumsey/</loc>
		<lastmod>2017-06-24T21:13:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-pension-schemes-bill-but-cautions-on-need-for-tax-overhaul/</loc>
		<lastmod>2014-06-26T12:47:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-db-contracting-out-consultation/</loc>
		<lastmod>2014-07-08T09:13:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-consultation-on-money-purchase-benefits/</loc>
		<lastmod>2014-09-17T14:55:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-ppf-consultation-on-money-purchase-benefits/</loc>
		<lastmod>2014-07-09T08:50:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-sorp-consultation/</loc>
		<lastmod>2014-09-17T14:54:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-sorp-consultation/</loc>
		<lastmod>2014-07-16T07:50:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-hmt-statement-on-pension-guidance-and-transfers/</loc>
		<lastmod>2014-07-21T09:42:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-annual-allowance-amendment-order/</loc>
		<lastmod>2014-09-17T14:46:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ifoa-onsultation-on-aps-x1/</loc>
		<lastmod>2014-09-09T12:46:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-draft-taxation-of-pensions-bill/</loc>
		<lastmod>2014-09-17T14:45:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-draft-taxation-of-pensions-bill-etc/</loc>
		<lastmod>2014-09-09T13:13:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2014-pension-schemes-bill-jane-beverley/</loc>
		<lastmod>2017-06-24T21:16:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2014-pension-schemes-bill-philip-bennett/</loc>
		<lastmod>2017-06-24T21:19:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2014-taxation-of-pensions-bill-et-al-karen-goldschmidt/</loc>
		<lastmod>2017-06-24T21:22:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-fca-consultation-on-guidance-guarantee/</loc>
		<lastmod>2014-09-22T16:34:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-scale-of-reforms-in-timescales-available-is-threatening-policy-delivery/</loc>
		<lastmod>2014-09-29T16:42:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a-note-from-the-treasury-setting-out-further-information/</loc>
		<lastmod>2014-10-03T16:56:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-public-bill-committee-re-pension-schemes-bill/</loc>
		<lastmod>2014-11-06T13:33:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-publishes-first-report-of-2014-smaller-firms-pension-survey/</loc>
		<lastmod>2014-10-22T10:02:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-pension-survey-finds-reforms-are-welcomed-but-ae-delay-wanted/</loc>
		<lastmod>2014-10-22T16:42:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-smaller-firms-pension-survey-preliminary-report/</loc>
		<lastmod>2018-03-14T11:07:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/member-options-post-freedom-and-choice-stewart-hastie/</loc>
		<lastmod>2017-06-24T20:00:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/member-options-post-freedom-and-choice-2/</loc>
		<lastmod>2017-06-24T20:05:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/member-options-post-freedom-and-choice/</loc>
		<lastmod>2017-06-24T20:18:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-to-public-bill-committee-re-taxation-of-pensions-bill/</loc>
		<lastmod>2014-11-06T13:31:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-2015-16-levy-consultation/</loc>
		<lastmod>2014-11-13T16:24:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-putting-savers-interests-first/</loc>
		<lastmod>2014-11-19T14:01:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-fred-55-frc-consultation/</loc>
		<lastmod>2014-12-10T11:45:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-2015-16-ae-threshold-review/</loc>
		<lastmod>2014-11-25T11:22:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-pension-tax-overhaul-now-essential/</loc>
		<lastmod>2014-11-27T07:27:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-no-32-what-next-for-pensions/</loc>
		<lastmod>2018-03-14T10:37:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ppf-update-shaw-ppf-and-rumsey-experian/</loc>
		<lastmod>2017-06-24T20:29:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/erm-developments-malcolm-kemp/</loc>
		<lastmod>2017-06-24T20:39:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/corporate-risk-opportunities-aaron-punwani/</loc>
		<lastmod>2017-06-24T20:42:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-survey-finds-low-contributions-into-new-auto-enrolment-pensions-/</loc>
		<lastmod>2014-12-31T15:59:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/survey-of-small-firms-finds-low-contributions-into-new-auto-enrolment-schemes/</loc>
		<lastmod>2015-01-04T09:28:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-survey-finds-low-contributions-into-new-auto-enrolment-pensions/</loc>
		<lastmod>2018-03-14T11:06:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ae-technical-changes-consultation/</loc>
		<lastmod>2015-01-09T16:26:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-eiopa-consultation-on-solvency-of-iorps/</loc>
		<lastmod>2015-01-13T09:07:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-iorp-ii-proposals-will-kill-db-cross-border-schemes/</loc>
		<lastmod>2015-01-13T09:26:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-tas-framework-robert-inglis/</loc>
		<lastmod>2017-06-24T20:46:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/dc-in-post-2014-budget-world-roberts-and-maybury/</loc>
		<lastmod>2017-06-24T20:50:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-fca-retirement-market-study/</loc>
		<lastmod>2015-02-02T07:58:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-us-retirement-programmes-carey/</loc>
		<lastmod>2015-02-05T14:31:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-us-retirement-programmes-cassidy/</loc>
		<lastmod>2015-02-05T14:32:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-experian-and-ppf-rumsey-and-collins/</loc>
		<lastmod>2015-02-05T14:42:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-qas-hudson-and-lyons/</loc>
		<lastmod>2015-02-05T14:47:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-daily-valuation-system-selby/</loc>
		<lastmod>2015-02-05T16:22:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-dc-investment-post-budget-riddaway/</loc>
		<lastmod>2015-02-05T16:23:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-dc-investment-riddaway-summary/</loc>
		<lastmod>2015-02-05T16:24:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-iorp-update-kennett/</loc>
		<lastmod>2015-02-05T16:26:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/plenary-1-global-retirement-solutions-merton/</loc>
		<lastmod>2015-02-06T10:33:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a1-public-sector-outsourcing-jethwa-and-keen/</loc>
		<lastmod>2015-02-06T10:34:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a3-_-tpr-update-dodd-birch-and-berry/</loc>
		<lastmod>2015-02-06T10:36:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a3-_-tpr-update-dodd-birch-and-berry/</loc>
		<lastmod>2015-02-06T10:36:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a5-frc-risk-reporting-hitchcox-and-lee/</loc>
		<lastmod>2015-02-06T10:39:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a6-delivering-guidance-guarantee-cracknell/</loc>
		<lastmod>2015-02-06T10:40:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a7-exploring-the-future-taylor/</loc>
		<lastmod>2015-02-06T10:41:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a8-case-study-on-professional-negligence-ratcliffe-davies-and-tinkler/</loc>
		<lastmod>2015-02-06T10:42:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a8-summary/</loc>
		<lastmod>2015-02-06T10:43:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b-9-professionalism-hilary/</loc>
		<lastmod>2015-02-06T11:26:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b11-ten-years-of-ppf-mckinnon/</loc>
		<lastmod>2015-02-06T11:29:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b13-db-and-economic-change-compton/</loc>
		<lastmod>2015-02-06T11:31:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b14-savings-and-annuity-products-boulding/</loc>
		<lastmod>2015-02-06T11:32:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b16-fiduciary-management-mulligan-and-hay/</loc>
		<lastmod>2015-02-06T11:34:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b17-ltc-wilson-and-west/</loc>
		<lastmod>2015-02-06T11:35:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b10-summary/</loc>
		<lastmod>2015-02-06T11:37:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b13-summary/</loc>
		<lastmod>2015-02-06T11:38:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b14-summary/</loc>
		<lastmod>2015-02-06T11:39:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b15-summary/</loc>
		<lastmod>2015-02-06T11:40:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c18-buy-ins-and-buy-outs-fernandes-and-parnell/</loc>
		<lastmod>2015-02-06T12:29:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c19-summary/</loc>
		<lastmod>2015-02-06T12:31:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c20-covenant-assessors-and-funding-code-bushnell/</loc>
		<lastmod>2015-02-06T12:33:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-international-brief-kelly/</loc>
		<lastmod>2015-02-06T12:35:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-international-briefing-carey/</loc>
		<lastmod>2015-02-06T12:39:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-international-summary-cassidy/</loc>
		<lastmod>2015-02-06T12:42:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-carey-summary/</loc>
		<lastmod>2015-02-06T12:43:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-kelly-summary/</loc>
		<lastmod>2015-02-06T12:44:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c22-dc-investment-roberts/</loc>
		<lastmod>2015-02-06T12:45:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c22-summary/</loc>
		<lastmod>2015-02-06T12:46:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c23-legal-issues-bartlett/</loc>
		<lastmod>2015-02-06T12:47:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c23-summary/</loc>
		<lastmod>2015-02-06T12:48:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c24-uk-pensions-tax-goldschmidt/</loc>
		<lastmod>2015-02-06T12:50:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c25-da-and-2014-bill-barker-and-clease/</loc>
		<lastmod>2015-02-06T12:51:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c26-professional-responsibilities-of-scheme-actuaries-cule-wharmby-and-mcconnell/</loc>
		<lastmod>2015-02-06T12:53:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c19-communication-warshawski/</loc>
		<lastmod>2015-02-06T12:56:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d27-levy-and-ppf-scores-collins-and-rumsey/</loc>
		<lastmod>2015-02-06T14:21:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d28-rational-decisions-clacher-and-hurd/</loc>
		<lastmod>2015-02-06T14:23:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d29-readjusting-the-rations-smith/</loc>
		<lastmod>2015-02-06T14:26:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d29-summary/</loc>
		<lastmod>2015-02-06T14:26:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d31-who-and-what-will-deliver-pensions-sloam/</loc>
		<lastmod>2015-02-06T14:28:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d32-communicating-dc-blakstad/</loc>
		<lastmod>2015-02-06T14:29:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d33-qas-hudson-and-lyons/</loc>
		<lastmod>2015-02-06T14:30:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d34-how-to-pitch-matthews/</loc>
		<lastmod>2015-02-06T14:31:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d34-summary/</loc>
		<lastmod>2015-02-06T14:32:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d35-managing-pensions-risk-jones/</loc>
		<lastmod>2015-02-06T14:33:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b15-longevity-trends-hood-and-fletcher/</loc>
		<lastmod>2015-02-09T11:33:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a4-changing-role-of-advisers-and-trustees-thompson/</loc>
		<lastmod>2015-02-09T11:35:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d30-current-issues-in-corporate-pensions/</loc>
		<lastmod>2015-02-09T11:36:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b10-issues-in-company-accounting-singer/</loc>
		<lastmod>2015-02-09T13:08:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/plenary-2-beyond-the-pension-revolution-rogers-legrand-and-wells/</loc>
		<lastmod>2015-02-09T18:28:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-social-insurance-issues-in-the-gulf-love-soper/</loc>
		<lastmod>2015-02-17T10:45:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-joint-forum-on-actuarial-regulation-a-risk-perspective/</loc>
		<lastmod>2015-02-18T09:01:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a2-a-reinsurers-perspective-murphy/</loc>
		<lastmod>2015-02-18T16:18:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/learning-from-other-countries-experiences-isabel-coles/</loc>
		<lastmod>2017-06-24T20:40:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-wise-update-anna-deibel-jung-hmt/</loc>
		<lastmod>2017-06-24T20:39:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-wise-citizens-advice-role-laura-bunt/</loc>
		<lastmod>2017-06-24T21:25:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/creating-a-sustainable-pensions-tax-framework/</loc>
		<lastmod>2015-03-04T07:55:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-press-release-calls-for-political-parties-to-cooperate-in-fundamental-reform-of-pension-taxation/</loc>
		<lastmod>2015-03-04T07:58:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-political-parties-calls-for-fundamental-pension-tax-review-after-election/</loc>
		<lastmod>2015-03-04T08:00:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/creating-a-sustainable-pensions-tax-framework-2/</loc>
		<lastmod>2019-10-16T15:30:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-frc-new-tas-framework-/</loc>
		<lastmod>2015-03-06T11:44:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-issues-retirement-income-manifesto/</loc>
		<lastmod>2015-03-12T12:55:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/longevity-swaps-and-reinsurance-lockwood/</loc>
		<lastmod>2017-06-24T20:51:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-db-to-dc-transfers-and-conversions/</loc>
		<lastmod>2015-03-18T14:27:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/cutting-lta-would-be-a-mistake/</loc>
		<lastmod>2015-03-18T08:49:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmt-lta-factsheet-public/</loc>
		<lastmod>2015-03-19T13:04:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmt-lta-factsheet-industry/</loc>
		<lastmod>2015-03-19T13:04:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/note-to-be-read-in-conjunction-with-the-two-lta-factsheets-below-dated-19-march-2015/</loc>
		<lastmod>2015-03-20T07:51:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-method-for-forecasting-life-expectancy-mayhew-and-smith/</loc>
		<lastmod>2017-06-24T20:54:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/saving-our-financial-future-mccready/</loc>
		<lastmod>2017-06-24T20:57:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-april-2015-/</loc>
		<lastmod>2015-04-22T15:15:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-dwp-re-changes-to-investment-regulations-following-law-commission-report-/</loc>
		<lastmod>2015-04-22T12:13:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-tells-parties-not-to-trade-long-term-pension-planning-for-short-term-enticements/</loc>
		<lastmod>2015-04-22T12:15:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-challenges-chancellor-and-shadow-on-pension-tax-charges/</loc>
		<lastmod>2015-04-24T07:41:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/incentive-exercises-snowdon-and-ford/</loc>
		<lastmod>2017-06-24T21:00:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-schemes-and-vat-southern-squires-and-jones/</loc>
		<lastmod>2017-06-24T21:13:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tv-changes-legal-issues-kola/</loc>
		<lastmod>2017-06-24T21:16:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tv-and-member-choices-murphy/</loc>
		<lastmod>2017-06-24T21:19:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-letter-to-hmrc-re-pension-tax-manual-and-ssplsl-see-16216-update-too/</loc>
		<lastmod>2016-02-16T16:52:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-parties-pension-manifestos-updated-8-may-2015/</loc>
		<lastmod>2018-03-14T10:33:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chairman-says-steve-webb-will-be-greatly-missed/</loc>
		<lastmod>2015-05-08T16:54:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-ros-altmann-as-new-pensions-minister/</loc>
		<lastmod>2015-05-11T17:49:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-re-section-75-employer-debt-in-non-associated-multi-employer-defined-benefit-pension-schemes-consultation/</loc>
		<lastmod>2015-05-28T09:42:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcome-for-annual-statement-from-pensions-regulator/</loc>
		<lastmod>2015-05-22T15:42:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/update-on-freedom-and-choice-post-7-may-alan-higham/</loc>
		<lastmod>2017-06-24T21:23:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-choice-jim-doran-edinburgh/</loc>
		<lastmod>2017-06-24T21:25:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fiduciary-management-rekha-ravichandran-edinburgh/</loc>
		<lastmod>2017-06-24T20:06:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fiduciary-management-john-walbaum-edinburgh/</loc>
		<lastmod>2017-06-24T20:18:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-and-choice-paul-macro-leeds/</loc>
		<lastmod>2017-06-24T20:30:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/fiduciary-management-anthony-webb-leeds/</loc>
		<lastmod>2017-06-24T20:39:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/letter-1-to-hmrc-re-pension-tax-manual-standard-member-no-protection-see-16216-update-too/</loc>
		<lastmod>2016-02-16T16:56:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/letter-2-to-hmrc-re-member-with-scheme-protected-lump-sum-see-16216-update-too/</loc>
		<lastmod>2016-02-16T17:01:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-pressures-on-pension-system-underscores-need-for-an-independent-commission-and-tax-pause/</loc>
		<lastmod>2015-06-11T09:37:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-secondary-annuity-market-consultation/</loc>
		<lastmod>2015-06-19T07:28:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-annual-statement-frobisher-and-patel/</loc>
		<lastmod>2017-06-24T20:44:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/overcoming-cost-of-being-human-davies/</loc>
		<lastmod>2017-06-24T20:46:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/freedom-choice-andrew-manson-edinburgh/</loc>
		<lastmod>2017-06-24T20:01:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comment-on-budget-statement/</loc>
		<lastmod>2015-07-08T15:10:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/letter-to-hmrc-re-tapered-aa-and-salary-sacrifice-see-16216-update-too/</loc>
		<lastmod>2016-02-22T11:34:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-tpr-covenant-guidance/</loc>
		<lastmod>2015-08-13T12:41:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-tax-reform-goldschmidt-and-sexton/</loc>
		<lastmod>2017-06-24T20:51:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-horizons-analytics-paul-johnston/</loc>
		<lastmod>2017-06-24T20:54:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-supports-proposal-on-easier-way-to-recover-vat-on-services-to-defined-benefit-schemes/</loc>
		<lastmod>2015-09-11T12:50:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-pension-tax-consultation/</loc>
		<lastmod>2019-11-08T08:13:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-further-work-on-pension-tax-reforms-to-ensure-stable-structure-for-future-/</loc>
		<lastmod>2015-09-30T14:48:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-further-work-on-pension-tax-reforms-to-ensure-stable-regime-/</loc>
		<lastmod>2015-09-30T14:48:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-pensions-survey-points-to-need-for-path-to-higher-minimum-contributions/</loc>
		<lastmod>2015-10-11T18:55:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2015-pension-trends-survey-report-2/</loc>
		<lastmod>2017-04-05T19:02:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/summary-of-aca-2015-pension-trends-survey-findings/</loc>
		<lastmod>2017-04-05T19:02:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2015-pension-trends-survey-report/</loc>
		<lastmod>2018-03-14T10:58:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/summary-of-aca-2015-pension-trends-findings/</loc>
		<lastmod>2018-03-14T10:57:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-defined-ambition-deferral/</loc>
		<lastmod>2015-10-15T13:05:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-iasb-consultation-on-amendments-to-ias-19-and-ifric-14/</loc>
		<lastmod>2015-10-19T15:48:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-world-investment-solutions-jenny-holt/</loc>
		<lastmod>2017-06-24T21:13:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/meeting-members-needs-in-retirement-paul-todd/</loc>
		<lastmod>2017-06-24T21:16:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/achieving-better-member-outcomes-jesal-mistry/</loc>
		<lastmod>2017-06-24T21:20:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-consultation-on-the-2016-17-levy-rules/</loc>
		<lastmod>2015-10-22T13:54:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chair-says-ae-saving-bodes-ill-for-tax-system/</loc>
		<lastmod>2015-11-25T16:07:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/impact-of-freedom-and-choice-on-dc-investment-doyle-and-lyne/</loc>
		<lastmod>2017-06-24T21:23:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/impact-of-freedom-and-choice-on-db-investment-mills/</loc>
		<lastmod>2017-06-24T21:25:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/impact-of-freedom-and-choice-on-insurer-reserving-simpson/</loc>
		<lastmod>2017-06-24T20:01:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-dwp-consultation-on-reducing-burdens/</loc>
		<lastmod>2015-12-11T09:57:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-perspective-on-freedom-and-choice-warwick-thompson/</loc>
		<lastmod>2017-06-24T20:06:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/implication-of-pension-freedoms-fca-perspective-roy/</loc>
		<lastmod>2017-06-24T20:18:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/update-on-qas-hudson-and-gilpin/</loc>
		<lastmod>2017-06-24T20:30:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-produces-updated-test-scheme-standard-actuarial-certificate/</loc>
		<lastmod>2016-01-25T16:44:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/updated-incentive-exercises-code/</loc>
		<lastmod>2016-02-01T11:04:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/incentive-exercises-examples/</loc>
		<lastmod>2016-02-01T11:05:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-welcomes-updated-incentives-exercises-code/</loc>
		<lastmod>2016-02-01T11:19:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2015-16-pension-trends-survey-final-report/</loc>
		<lastmod>2017-04-05T19:02:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-2015-16-final-survey-report/</loc>
		<lastmod>2018-03-14T10:08:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-highlights-challenges-to-pension-saving/</loc>
		<lastmod>2016-02-03T08:47:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-george-simeonidis-greek-pensions/</loc>
		<lastmod>2016-02-04T14:37:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-cdc-lundbergh/</loc>
		<lastmod>2016-02-04T14:39:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-disciplinary-scheme-mcconnell/</loc>
		<lastmod>2016-02-04T14:40:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-funding-db-dodd-and-clark/</loc>
		<lastmod>2016-02-04T14:43:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/smaller-firms-deficits-and-distressed-employers-favier/</loc>
		<lastmod>2016-02-04T14:45:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ymg-a-brief-history-of-pensions-pegrum/</loc>
		<lastmod>2016-02-04T14:48:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/opening-plenary-steve-webb-release/</loc>
		<lastmod>2016-02-05T10:26:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/opening-plenary-michael-johnson/</loc>
		<lastmod>2016-02-05T10:27:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a1-dc-centre-ground-colegrave-and-tran/</loc>
		<lastmod>2016-02-05T10:28:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a1-summary/</loc>
		<lastmod>2016-02-05T10:29:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a2-actuaries-count-hilary/</loc>
		<lastmod>2016-02-05T10:30:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a5-db-transfer-values-van-den-berghen-and-smith/</loc>
		<lastmod>2016-02-05T10:32:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a5-summary/</loc>
		<lastmod>2016-02-05T10:33:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a4-ppf-update-collins-and-woolf/</loc>
		<lastmod>2016-02-05T10:34:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a7-trustee-goes-on-trial-ratcliffe-davies-and-bamforth/</loc>
		<lastmod>2016-02-05T10:37:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a7-summary/</loc>
		<lastmod>2016-02-05T10:37:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a8-longevity-risk-aley/</loc>
		<lastmod>2016-02-05T10:38:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b9-21st-century-trustees-fiona-frobisher/</loc>
		<lastmod>2016-02-05T11:50:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b10-integrating-investment-and-funding-rees-and-riddaway/</loc>
		<lastmod>2016-02-05T11:52:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b10-summary/</loc>
		<lastmod>2016-02-05T11:52:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b11-buyout-market-gibson/</loc>
		<lastmod>2016-02-05T11:53:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b12-how-to-pitch-matthews/</loc>
		<lastmod>2016-02-05T11:54:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b12-summary/</loc>
		<lastmod>2016-02-05T11:55:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b13-sustainable-retirement-solutions-hurd-and-richards/</loc>
		<lastmod>2016-02-05T11:56:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b15-db-transfer-values-smith/</loc>
		<lastmod>2016-02-05T11:57:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b16-environmental-risks-jones/</loc>
		<lastmod>2016-02-05T11:58:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b16-summary/</loc>
		<lastmod>2016-02-05T11:59:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b17-actuarial-software-and-calculations-mcconnell-and-wharmby-/</loc>
		<lastmod>2016-02-05T12:00:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/b17-summary/</loc>
		<lastmod>2016-02-05T12:01:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c18-tpr-update-clark-and-berry-/</loc>
		<lastmod>2016-02-05T12:26:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c19-are-solvency-liabilities-too-high-yiasoumi-and-rooprai/</loc>
		<lastmod>2016-02-05T12:28:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c19-summary/</loc>
		<lastmod>2016-02-05T12:28:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-dc-investment-approaches-roberts/</loc>
		<lastmod>2016-02-05T12:30:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c21-summary/</loc>
		<lastmod>2016-02-05T12:31:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c20-good-dc-governance-zaprzala-banks/</loc>
		<lastmod>2016-02-05T12:32:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c22-increase-your-influence-warshawski/</loc>
		<lastmod>2016-02-05T12:34:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c22-summary/</loc>
		<lastmod>2016-02-05T12:34:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c23-transfer-values-post-2015-jarman/</loc>
		<lastmod>2016-02-05T12:35:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c23-summary/</loc>
		<lastmod>2016-02-05T12:36:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c24-longevity-issues-fossett/</loc>
		<lastmod>2016-02-05T12:36:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c25-stealing-best-solvency-ii-bits-waite/</loc>
		<lastmod>2016-02-05T12:38:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c26-pension-schemes-and-vat-sparks/</loc>
		<lastmod>2016-02-05T12:38:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c26-summary/</loc>
		<lastmod>2016-02-05T12:39:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c27-current-accounting-issues-mandley/</loc>
		<lastmod>2016-02-05T12:40:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/c27-summary/</loc>
		<lastmod>2016-02-05T12:40:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d28-lgps-update-packham/</loc>
		<lastmod>2016-02-05T14:31:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d29-online-financial-education-russell-smith/</loc>
		<lastmod>2016-02-05T14:32:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d31-new-opportunities-for-actuaries-watchorn/</loc>
		<lastmod>2016-02-05T14:34:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d31-new-opportunities-for-actuaries-reid-/</loc>
		<lastmod>2016-02-05T14:35:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d30-future-of-retirement-income-sweeting/</loc>
		<lastmod>2016-02-05T14:38:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d30-summary/</loc>
		<lastmod>2016-02-05T14:38:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d32-investment-de-risking-doshi/</loc>
		<lastmod>2016-02-05T14:40:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d32-summary/</loc>
		<lastmod>2016-02-05T14:40:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d33-summary/</loc>
		<lastmod>2016-02-05T14:42:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d34-legal-update-webster/</loc>
		<lastmod>2016-02-05T14:43:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d34-summary/</loc>
		<lastmod>2016-02-05T14:44:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d35-master-trusts-bird-and-eagles/</loc>
		<lastmod>2016-02-05T14:45:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d35-summary/</loc>
		<lastmod>2016-02-05T14:46:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d33-pension-tax-pegrum/</loc>
		<lastmod>2016-02-05T14:47:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pm-plenary-gad-long-and-short-of-it-clarke/</loc>
		<lastmod>2016-02-05T14:48:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/placard-new-roles-for-consulting-actuaries/</loc>
		<lastmod>2018-03-14T10:32:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a6-stories-with-data-paterson/</loc>
		<lastmod>2016-02-08T11:09:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a6-summary/</loc>
		<lastmod>2016-02-08T11:09:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/opening-plenary-steve-webb-summary/</loc>
		<lastmod>2016-02-10T10:33:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/d36-striving-for-integrated-risk-management-masters/</loc>
		<lastmod>2016-02-12T12:00:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/2016-updates-of-misc-letters-on-aca-website-sent-to-hmrc-in-2015/</loc>
		<lastmod>2016-02-16T17:11:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ae-technical-changes-consultation/</loc>
		<lastmod>2016-02-16T12:34:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/letter-to-hmrc-re-aa-consequential-information-obligations/</loc>
		<lastmod>2016-02-18T09:24:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/a3-summary-only/</loc>
		<lastmod>2016-02-18T14:43:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/iaca-newsletter-feb-2016/</loc>
		<lastmod>2017-04-07T10:45:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news/</loc>
		<lastmod>2016-02-26T12:33:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-budget-/</loc>
		<lastmod>2016-03-16T15:04:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/budget-pension-tax-and-lisa-goldschmidt-and-sexton/</loc>
		<lastmod>2017-06-24T20:44:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/longevity-de-risking-buy-ins-and-buy-outs-finch/</loc>
		<lastmod>2017-06-24T20:46:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tax-karen-goldschmidt/</loc>
		<lastmod>2017-06-24T20:54:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tax-jonathan-moody/</loc>
		<lastmod>2017-06-24T20:57:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/budget-silent-revolution-will-progressively-choke-off-pension-saving-/</loc>
		<lastmod>2016-04-29T09:20:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-pensions-tax-mike-shimwell/</loc>
		<lastmod>2017-06-24T21:11:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/leeds-regional-tpr-chinu-patel/</loc>
		<lastmod>2017-06-24T21:13:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-pensions-tax-elaine-murphy/</loc>
		<lastmod>2017-06-24T21:17:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/birmingham-regional-tpr-fred-berry/</loc>
		<lastmod>2017-06-24T21:20:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bob-scott-elected-as-chairman-from-1-june-2016/</loc>
		<lastmod>2016-05-10T08:32:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-consultation-on-dc-guides/</loc>
		<lastmod>2016-05-11T11:02:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/hmrc-exchange-on-lifetime-allowance-protection-temporary-registration-numbers/</loc>
		<lastmod>2018-03-14T10:46:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-pensions-tax-elaine-murphy/</loc>
		<lastmod>2017-06-24T21:23:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/glasgow-meeting-tpr-chinu-patel/</loc>
		<lastmod>2017-06-24T21:25:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/ifoa-research-and-pension-project-reynolds-and-nielsen/</loc>
		<lastmod>2017-06-24T20:01:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/public-service-pensions-simkins/</loc>
		<lastmod>2017-06-24T20:06:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/public-service-pensions-humphrey/</loc>
		<lastmod>2017-06-24T20:19:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-secondary-annuity-market-tax-framework/</loc>
		<lastmod>2016-06-15T17:32:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/the-occupational-pension-schemes-schemes-that-were-contracted-out-no2-regs-2015/</loc>
		<lastmod>2018-03-14T10:45:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/the-occupational-pension-schemes-schemes-that-were-contracted-out-no-2-regulations-2015/</loc>
		<lastmod>2016-06-17T10:11:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/reward-strategies-paul-waters/</loc>
		<lastmod>2017-06-24T20:30:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/bhs-and-beyond-martin-hunter/</loc>
		<lastmod>2017-06-24T20:40:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-british-steel-pensions-consultation/</loc>
		<lastmod>2016-06-23T08:07:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-british-steel-pension-scheme-consultation/</loc>
		<lastmod>2016-06-23T13:18:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-chair-comments-on-eu-referendum-result/</loc>
		<lastmod>2016-06-24T11:20:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-cp-16-12-secondary-annuity-market-rules-and-guidance/</loc>
		<lastmod>2016-06-27T08:25:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-member-chintan-gandhi-wins-iaca-award/</loc>
		<lastmod>2016-07-13T11:52:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-plsa-db-taskforce-consultation/</loc>
		<lastmod>2016-07-22T08:25:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-opposes-blanket-ban-on-db-transfers-/</loc>
		<lastmod>2016-08-01T15:33:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-opposes-blanket-ban-on-db-transfers/</loc>
		<lastmod>2016-08-01T15:35:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-opposes-blanket-ban-on-db-transfers-2/</loc>
		<lastmod>2018-03-01T20:10:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aa-deferred-member-carve-outs/</loc>
		<lastmod>2018-03-14T10:42:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/home/</loc>
		<lastmod>2018-03-01T20:09:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/about-us/</loc>
		<lastmod>2016-08-29T10:11:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/member-services/</loc>
		<lastmod>2016-08-29T10:11:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/find-our-members/</loc>
		<lastmod>2016-08-29T10:19:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/latest-news-releases/</loc>
		<lastmod>2016-08-29T10:20:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/consultation-responses/</loc>
		<lastmod>2016-08-29T10:20:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/publications/</loc>
		<lastmod>2016-08-29T10:21:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/research-surveys/</loc>
		<lastmod>2016-08-29T10:21:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/parliament-pensions/</loc>
		<lastmod>2016-08-29T10:24:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/briefings-information/</loc>
		<lastmod>2016-08-29T10:40:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
</urlset><!-- Request ID: e6262d6617f50da05da9afea3b3f1681; Queries for sitemap: 3; Total queries: 60; Seconds: 0.16; Memory for sitemap: 2MB; Total memory: 14MB -->

<!--
Performance optimized by W3 Total Cache. Learn more: https://www.boldgrid.com/w3-total-cache/?utm_source=w3tc&utm_medium=footer_comment&utm_campaign=free_plugin

Page Caching using Disk: Enhanced (SSL caching disabled) 

Served from: aca.org.uk @ 2026-07-28 02:49:53 by W3 Total Cache
-->