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  <url>
    <loc>http://www.edhovee.com/home</loc>
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    <lastmod>2025-02-11</lastmod>
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  <url>
    <loc>http://www.edhovee.com/edhblog</loc>
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    <priority>0.75</priority>
    <lastmod>2026-07-25</lastmod>
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      <image:title>EDH Blog</image:title>
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  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2026/7/9/stairway-to-heaven</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-11</lastmod>
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  <url>
    <loc>http://www.edhovee.com/edhblog/2026/5/19/a-case-for-iranian-regime-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/0cb4630e-9700-4d1b-93af-db23d756b07a/Copilot_20260523_152719+%28Iran+Map+Corrected%29.png</image:loc>
      <image:title>EDH Blog - A Case for Iranian Regime Change? - Make it stand out</image:title>
      <image:caption>Source: Copilot AI and E. D. Hovee. Note that the yellow lines represent major population and trade corridors across the region. They trace the routes where cities historically clustered and modern infrastructure still concentrates: river valleys, coastal plains, and transit paths linking fertile zones and ports. Syrtan Danu is a mountain range in western Iran. Dasht-e Kavir and Dashht-e Lut are desert regions.</image:caption>
    </image:image>
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  <url>
    <loc>http://www.edhovee.com/edhblog/2026/4/21/the-example-of-jesus-amp-the-canaanite-woman</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-19</lastmod>
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      <image:title>EDH Blog - THE EXAMPLE OF JESUS &amp;amp; THE CANAANITE WOMAN - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/10/26/ai-amp-jobs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1b7d507a-83ad-449d-9975-8133539a8879/Job-Pop+Growth+1870-1930.png</image:loc>
      <image:title>EDH Blog - AI &amp;amp; JOBS - Make it stand out</image:title>
      <image:caption>Sources: U.S. Census Bureau. Comparative Occupation Statistics: 1870-1830 (Part II). As defined by the Census Bureau, total “gainful employment“ includes workers age 10 and above.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/41185c7e-b491-486e-85fa-ed5151ea6b91/Job+Shares+1870-1930.png</image:loc>
      <image:title>EDH Blog - AI &amp;amp; JOBS - Make it stand out</image:title>
      <image:caption>Source: U.S. Census Bureau.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/591c17ab-b022-427d-9dee-634978b9f052/Job-Pop+Growth+1940-2020.png</image:loc>
      <image:title>EDH Blog - AI &amp;amp; JOBS - Make it stand out</image:title>
      <image:caption>Source: U.S. Bureau of Labor Statistics (BLS), Current Employment Statistics (CES) survey. Note: BLS data sets use different definitions for the 1940-2020 period than for the earlier 1870-1930 Census Bureau data set and so are not directly comparable. CES data for the 1940-2020 time frame excludes farm employment. Separate BLS Quarterly Census of Employment and Wages (QCEW) data includes agriculture which as of 2022 now accounts for less than 1% of QCEW employment nationwide.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/2e8ebb72-6613-4b18-b974-2099c15fb389/Job+Shares+1940-2020.png</image:loc>
      <image:title>EDH Blog - AI &amp;amp; JOBS - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/bfaff39d-72ff-4d3d-b126-3094745269f2/AI+Factors+for+Job+Gain-Loss.png</image:loc>
      <image:title>EDH Blog - AI &amp;amp; JOBS - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/10/13/chatgpt-amp-the-federal-reserve</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-16</lastmod>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/9/13/honey-i-shrunk-the-kids</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/bdffab9c-ae2f-4bef-b752-00c2b68d1185/Trend+%26+Forecast+5-18+Age+Population.png</image:loc>
      <image:title>EDH Blog - HONEY, I SHRUNK THE KIDS - Make it stand out</image:title>
      <image:caption>Source: U.S. Census Bureau and E. D. Hovee. Population forecast by age and immigration scenarios is from the Census document, Projected Population Size and Annual Total Population Change for the United States by Alternative Immigration Scenario: 2017 to 2060 (NP2017-A). U.S. Census Bureau, Population Division, Washington, DC. Release Date October 24,2019. Annual and historical U.S. population by age is also per Census data. Note that the actual data series (shown with black line) overlaps with forecast years for the period 2017-22 (as indicated with the orange, green, blue and purple lines).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/8/7/gross-domestic-product-winners-amp-losers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/9ba77acd-5d1d-4fd1-b1dd-8763e0a9655a/US+GDP+Trend+to+2022.png</image:loc>
      <image:title>EDH Blog - GROSS DOMESTIC PRODUCT (GDP) - WINNERS &amp;amp; LOSERS - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ace6e374-5009-40d1-b1b5-a756614a1710/Per+Capita+GDP+2022.png</image:loc>
      <image:title>EDH Blog - GROSS DOMESTIC PRODUCT (GDP) - WINNERS &amp;amp; LOSERS - Make it stand out</image:title>
      <image:caption>Source: U.S. BEA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/16849c4e-c2fa-4573-904b-4122688476bd/Per+Capita+GDP+Change+2020-22.png</image:loc>
      <image:title>EDH Blog - GROSS DOMESTIC PRODUCT (GDP) - WINNERS &amp;amp; LOSERS - Make it stand out</image:title>
      <image:caption>Source: U.S. BEA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/2b15396a-cf93-40b1-a5ad-e59fd4023be5/Productivity+vs+GDP+Change.png</image:loc>
      <image:title>EDH Blog - GROSS DOMESTIC PRODUCT (GDP) - WINNERS &amp;amp; LOSERS - Make it stand out</image:title>
      <image:caption>Sources: U.S. BEA / BLS. State names (as abbreviated) are as noted for a representative portion of the 50-state experience.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/6/16/worker-productivity-a-needed-boost</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/aa88b01d-a196-4f5a-9d84-3c1b05e2e1e7/US+productivity+overall+2012-2023.png</image:loc>
      <image:title>EDH Blog - WORKER PRODUCTIVITY - A NEEDED BOOST - Make it stand out</image:title>
      <image:caption>Source: U.S. Bureau of Labor Statistics (BLS). Data is compiled on a quarterly basis. Labor productivity is defined by BLS as the value of U.S. output value per labor hour.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/e128eb3a-d699-44f2-9e9d-db7d21d7d4fc/Productivity+by+Sector.png</image:loc>
      <image:title>EDH Blog - WORKER PRODUCTIVITY - A NEEDED BOOST - Make it stand out</image:title>
      <image:caption>Source: BLS. Output per labor hour is calculated based only on private sector employment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ef9bd3ce-5da9-4a65-8b52-2f7732220582/Productivity+by+State+2012-22.png</image:loc>
      <image:title>EDH Blog - WORKER PRODUCTIVITY - A NEEDED BOOST - Make it stand out</image:title>
      <image:caption>Source: BLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/fe215773-52b5-463d-add1-e9aa0fb0eb71/Productivity+by+State+2021-22.png</image:loc>
      <image:title>EDH Blog - WORKER PRODUCTIVITY - A NEEDED BOOST - Make it stand out</image:title>
      <image:caption>Source: BLS.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/5/4/increasing-wages-for-better-amp-worse</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/214a2104-294a-4790-868c-fe9674443290/Wage+Changes+%28Monthly+Year-Over-Year+%25+Change%29.png</image:loc>
      <image:title>EDH Blog - WAGE GAINS - FOR BETTER &amp;amp; WORSE - Make it stand out</image:title>
      <image:caption>Source is U.S. Bureau of Labor Statistics Current Employment Statistics (BLS/CES). Time series data is from January 2012 - April 2023 with one month’s change calculated relative to the the same month one year earlier. For example, the change figure for January 2013 is calculated as the % change from January 2012 to January 2013. The curvilinear trend is calculated as an exponential function which provides a better albeit imperfect statistical fit (or R-square) than a straight-line linear trend. the BLS/CES data series does not include wage rate data for the governmental sector.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/d41e6106-0fbe-4c8f-b13d-895123c49161/Wage+Change+Annualized+by+Sector.png</image:loc>
      <image:title>EDH Blog - WAGE GAINS - FOR BETTER &amp;amp; WORSE - Make it stand out</image:title>
      <image:caption>Source: BLS/CES Governmental sector wage information is not provided by this BLS dataset, as wage information is limited to private sector non-farm employment.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/3/15/post-pandemic-winners-amp-losers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/4bb93aae-e265-4d3f-8b4b-5e4068ea92e0/U.S.+Employment+Graphic+%28for+blog+post%29.png</image:loc>
      <image:title>EDH Blog - POST PANDEMIC - WINNERS &amp;amp; LOSERS - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2023/2/25/us-stocks-post-invasion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/cc9b80be-469a-4c9a-8466-6bfe70387c0e/Post+Invasion+Job+Change+%281+Yr%29.png</image:loc>
      <image:title>EDH Blog - U.S. STOCKS - POST INVASION - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/12/16/fed-forward</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/5d25f8bc-cf22-4420-bf10-7a4814c06372/Four+Monthly+Indicators+%281963-Present%29.png</image:loc>
      <image:title>EDH Blog - FED FORWARD - Make it stand out</image:title>
      <image:caption>Source: FRED data of the St. Louis Federal Reserve. Data is through the month of November 2022.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1bea9c55-8735-4812-91ec-333b1168e6b5/Four+Indicators+%28Averages%29.png</image:loc>
      <image:title>EDH Blog - FED FORWARD - Make it stand out</image:title>
      <image:caption>Source: FRED and E. D. Hovee. Data is up through the month of November 2022.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/11/8/us-housing-demand-two-decades-ahead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/b4e57d80-7433-49ec-a5b7-6b8f835e0806/%234-Household+Fcast+by+Age.png</image:loc>
      <image:title>EDH Blog - U.S. HOUSING DEMAND TWO DECADES AHEAD - Make it stand out</image:title>
      <image:caption>Note: This forecast assumes in-migration to the U.S. represents a 3.4% increase in population each decade. A similar assumption is applied to the 2029-39 projection below.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/10eddf16-fea8-48f0-90a0-bc728fcaaa18/%235+-+Household+Fcast+by+Age+2029-39.png</image:loc>
      <image:title>EDH Blog - U.S. HOUSING DEMAND TWO DECADES AHEAD - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/0238df58-38ce-47ec-ad80-0973edd67b46/%236+-+Change+in+Housholds+by+Tenure+%26+Decade+2019-39.png</image:loc>
      <image:title>EDH Blog - U.S. HOUSING DEMAND TWO DECADES AHEAD - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/10/20/how-far-should-the-fed-go</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/29235f16-3c6b-44a8-a2d1-c4c0908f2862/CPI-FedFunds-URate+Chart.png</image:loc>
      <image:title>EDH Blog - HOW FAST &amp;amp; FAR SHOULD THE FED GO? - Make it stand out</image:title>
      <image:caption>Source: FRED data of the St. Louis Federal Reserve for all graphics of this blog and associated analysis. The above graph encompasses monthly data points with CPI inflation and unemployment rates seasonally adjusted — together with the effective federal funds rate. Inflation cycles are illustrated by portions of the graph with blue background. Each period begins with an uptick in annual CPI (from the prior month) and ends following a subsequent month of peak unemployment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/2876afa4-8096-4957-a406-0e3260719bbf/Demand+Example+%28%2704-%2707%29.png</image:loc>
      <image:title>EDH Blog - HOW FAST &amp;amp; FAR SHOULD THE FED GO? - Make it stand out</image:title>
      <image:caption>Note: Areas shaded in gray at the left and right edges of the graph indicate rates in the month just before and then just after the period which is the focus of this time period.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ca27045e-cb67-4713-a7f9-f6bddbe37485/Supply+Example+%28%2772-%2775%29.png</image:loc>
      <image:title>EDH Blog - HOW FAST &amp;amp; FAR SHOULD THE FED GO? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ad85efd1-fdab-425d-a555-ec31d6bebacf/Current+Example+%28%2720-Present%29.png</image:loc>
      <image:title>EDH Blog - HOW FAST &amp;amp; FAR SHOULD THE FED GO? - Make it stand out</image:title>
      <image:caption>Note: This graph may be updated periodically to represent changing current conditions.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/9/17/labor-force-deep-dive-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/6c33b702-1237-4a68-a967-d51f28bab38d/LF%25+2021.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 2) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/298c80f3-43c8-44a1-bf4e-0b15fc8b0b58/LF%25+2019-21.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 2) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/df6f9d66-aa8b-43be-84da-92e9f8ff0313/LF%25+by+age+2012-22.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 2) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/a529af37-13d4-48c9-8e27-915a7760baea/%25+Chg+Pop+%26+LF+distributions.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 2) - Make it stand out</image:title>
      <image:caption>Source: U.S. BLS.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/9/13/deep-dive-into-labor-force</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/afefb13b-cf0a-432f-bdf4-d32a50327720/Cum+LF-Job+Chg.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 1) - Make it stand out</image:title>
      <image:caption>Source: U.S. Bureau of Labor Statistics (BLS). Monthly employment and labor force data for persons age 16+ is seasonally adjusted.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ea491060-ff40-4396-8a21-533f6b20464e/LF+Participation+Rates.png</image:loc>
      <image:title>EDH Blog - LABOR FORCE DEEP DIVE (Part 1) - Make it stand out</image:title>
      <image:caption>Source: U.S. Bureau of Labor Statistics (BLS). Participation rates as a % of civilian population age 16+ are seasonally adjusted.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/8/12/drilling-down-on-us-manufacturing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/9e2fee9b-318d-45b2-9c5f-cc4297edbcaf/%25Distribution+Mfg+Jobs+Mid2022.png</image:loc>
      <image:title>EDH Blog - DRILLING DOWN ON U.S. MANUFACTURING - Make it stand out</image:title>
      <image:caption>Source: U.S. BLS Current Employment Statistics (CES).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/5d282afb-35b8-41b5-92b0-ef0ae3f9f640/Pandemic+Job+Chg+by+Mfg+Sector.png</image:loc>
      <image:title>EDH Blog - DRILLING DOWN ON U.S. MANUFACTURING - Make it stand out</image:title>
      <image:caption>Source: U.S. BLS Current Employment Statistics (CES).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/5/28/manufacturing-amp-total-job-change-thru-the-pandemic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/dd19bc79-a784-4922-8ec7-9c3ab7e865c3/Map+of+Total+Job+Change.png</image:loc>
      <image:title>EDH Blog - Manufacturing &amp;amp; Total Job Change Thru the Pandemic - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/ee9e7f07-b520-4b07-bd39-1fe8d7851195/Map+of+Mfg+Job+Change.png</image:loc>
      <image:title>EDH Blog - Manufacturing &amp;amp; Total Job Change Thru the Pandemic - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/00ef14ea-da60-4507-b563-03001ac553c0/Mfg%26Total+Job+Chg+X-Y+Plot.png</image:loc>
      <image:title>EDH Blog - Manufacturing &amp;amp; Total Job Change Thru the Pandemic - Make it stand out</image:title>
      <image:caption>As permitted by space available on the above scatter-plot, states associated with particular outcomes are noted, especially for the outliers. Unfortunately, there is not space to separately identify observations that are tightly clustered in close proximity to experience of other states.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/4/9/us-stocks-pre-amp-post-ukraine</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/022fd9f3-cc4e-4ad8-b2a9-c5d3e2f403c8/Stock+Values+-+4+Indices.png</image:loc>
      <image:title>EDH Blog - U.S. Stocks Pre- &amp;amp; Post-Ukraine - Make it stand out</image:title>
      <image:caption>Added Notes: In the year pre-invasion, index values peaked in later December/early January for the Dow and S&amp;P. Peak values were experienced somewhat earlier in November for for the Nasdaq and Russell 2000 indices. Values to date in 2022 bottomed out on March 8 for the Dow and S&amp;P, with the trough experienced a few days later on March 14 for the Nasdaq and Russell 2000. The day before the invasion (February 23) was the 2nd or 3rd lowest value of the year to date depending on the index considered.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/e495aa95-b09a-418a-8371-8057268ba11c/Stock+Values+-+S%26P+Sectors.png</image:loc>
      <image:title>EDH Blog - U.S. Stocks Pre- &amp;amp; Post-Ukraine - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/2/24/where-to-get-added-multi-family-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/359d8266-71b8-44dc-8bef-da930be89895/Vacant+Comml+in+Spring+TX.png</image:loc>
      <image:title>EDH Blog - WHERE TO GET MORE HOUSING? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2022/1/5/interest-rates-amp-housing-affordability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/fe4f24aa-f338-4a24-b545-c3739c08496d/Affordability+by+Interest+Rate.png</image:loc>
      <image:title>EDH Blog - Interest Rates &amp;amp; Housing Affordability - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/b4fda4e5-4e68-4e6a-9eca-9d8f9b29f267/Mortgage%26Treasury+Rates.png</image:loc>
      <image:title>EDH Blog - Interest Rates &amp;amp; Housing Affordability - Make it stand out</image:title>
      <image:caption>Note: CPI data is from the U.S. Bureau of Labor Statistic (BLS). The Federal Reserve Bank and U.S. Council of Economic Advisors (CEA) provide 10-year Treasury rates starting in 1953 (30-year Treasury rates are provided starting in 1977). The most recent Economic Report of the President (issued by CEA) provides home mortgage yields starting in 1971, defined as contract interest rate on commitments for 30-year. first-lien prime conventional conforming home purchase mortgage with a loan-to-value of 80 percent. A prior CEA report provides mortgage rates extending back further to 1963. Although the earlier data is not fully comparable to that of more recent reports, a composite of the two data sets is used to cover the longer historical time period as depicted above.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2021/11/29/the-changing-face-of-us-housing-demand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/2f76ef33-8c93-4762-97e6-64583b6351aa/%231-Age+Distribution+2019.png</image:loc>
      <image:title>EDH Blog - The Changing Face of U.S. Housing Demand - Make it stand out</image:title>
      <image:caption>Note: Source data is from the American Community Survey (ACS) as of 2019, conducted by the U.S. Census Bureaau.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/91d1989f-17d4-4b9d-a9b7-8241b9144364/%232-Householders+2019-29.png</image:loc>
      <image:title>EDH Blog - The Changing Face of U.S. Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/8a70acec-fcd6-4aab-897b-786b09afa8c1/%233-Owners+%26+Renters.png</image:loc>
      <image:title>EDH Blog - The Changing Face of U.S. Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/132062f8-b523-4c25-837d-8c95cc35a240/%234-Household+Fcast+by+Age.png</image:loc>
      <image:title>EDH Blog - The Changing Face of U.S. Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/8/15/californias-central-valley-economic-vitality-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597680369708-YLF7SN6BQTR0TYZ1BQFM/Map+CA+Cities+%26+Counties.png</image:loc>
      <image:title>EDH Blog - California's Central Valley: Economic Vitality Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/7/28/a-link-between-coronavirus-cases-amp-mortality</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1604892115384-C2RGYHCGMNYA5U65FB4R/1-Cases%26Deaths.png</image:loc>
      <image:title>EDH Blog - A LINK BETWEEN CORONAVIRUS CASES &amp;amp; MORTALITY?</image:title>
      <image:caption>Data are compiled by E. D. Hovee weekly from the NY Times database on Sundays - about 2-3 pm ET. Data for the first week of March 29 is cumulative to that date. Data for other weeks covers the prior week through at least Saturday. The data for May 2 is bumped up by the inclusion of ‘probable’ as well as confirmed COVID deaths by the NY Times retroactively covering all prior weeks. A similar adjustment is made for New Jersey for the week ending June 27. Cumulative (multi-week) U.S. totals for the period through November 7 now involve more than 10 million identified cases and nearly 238,000 COVID-related deaths.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1604892138661-SNCHNR8IQL049IT8TKNR/2-Weekly+Deaths+as+%25+of+Cases.png</image:loc>
      <image:title>EDH Blog - A LINK BETWEEN CORONAVIRUS CASES &amp;amp; MORTALITY?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1604892164168-O5RVSJNGRV7PA9GW0UTE/3-%25+Weekly+Change+in+Cases+%26+Deaths.png</image:loc>
      <image:title>EDH Blog - A LINK BETWEEN CORONAVIRUS CASES &amp;amp; MORTALITY?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1604892183388-RJKBJ5T6NBKZGL5HQRXI/4-%25+Weekly+Change+w+Deaths+Lagged+by+One+Week.png</image:loc>
      <image:title>EDH Blog - A LINK BETWEEN CORONAVIRUS CASES &amp;amp; MORTALITY?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/5/16/universal-basic-income-is-now-the-time</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589848799766-4L6X5VWG9MPM22FBTR09/UBI+Illustrative+Graphic.png</image:loc>
      <image:title>EDH Blog - UNIVERSAL BASIC INCOME - IS NOW THE TIME?</image:title>
      <image:caption>This graphic illustrates how a simplified UBI program might work. The blue line depicts the base threshold UBI payment amount (which might vary based on readily measurable factors such as size of household). With this illustration, recipients do not pay any federal income tax on the UBI amount (i.e., the 100% figure). Two tax options are indicated for incomes above the blue line — a flat rate (orange line) as a fixed % of income above the UBI, and a graduated tax (green line) with higher tax rates at higher income levels. The more graduated (or progressive) the tax system is, the further will be the distance between the green and orange lines. With this hypothetical example, the graduated rate would result in more after tax income for households at up to about 440% of the UBI amount. Households with more than 440% of UBI would pay a higher rate than with the flat tax, somewhat reducing their after tax income amount. UBI threshold payments and tax rates represent important adjustment tools within the mechanics kit, controversy over which could easily derail any proposal.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/5/3/may-2-state-by-state-job-loss-amp-mortality-review-pddz5</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589577674508-R2HCDNZWF4XGVB911F0X/U.S.+Weekly+undmployment+5-9-20.png</image:loc>
      <image:title>EDH Blog - MAY 9 STATE-BY-STATE JOB LOSS &amp;amp; MORTALITY REVIEW</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589578621880-2FMZ6XWSGJW57U6BIQWJ/State-by-State+Jobless+Claims+5-9-20.png</image:loc>
      <image:title>EDH Blog - MAY 9 STATE-BY-STATE JOB LOSS &amp;amp; MORTALITY REVIEW</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589223768628-FXXAX7GYIW4YE31TLAPW/Covid+Deaths+as+of+May+9.png</image:loc>
      <image:title>EDH Blog - MAY 9 STATE-BY-STATE JOB LOSS &amp;amp; MORTALITY REVIEW</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589225542947-0NIYU2FOL4QFV6W9TUQD/Below+Average+Covid+Deaths+as+of+May+9.png</image:loc>
      <image:title>EDH Blog - MAY 9 STATE-BY-STATE JOB LOSS &amp;amp; MORTALITY REVIEW</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/5/6/more-deaths-from-unemployment-than-covid</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597948610506-N25O9XNTXBGKYZHGILVY/A-Mortality+%26+Urate+Trend.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597948651328-PF61ISG0WNOVAIICD7QV/B-Change+in+Mortality+vs+Urate.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597948677574-U7YI4HIP9ZWU4ALO1P3S/C-3+Yr+Moving+Averages.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597948731801-V1P2FOP9SXA94VPBIU1K/D-2+Yr+Lag+with+3+Yr+Moving+Averages.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1597948777625-3I1GKLJUW0L9RVFJPI5U/E+-+War+%26+Pandemic+Overlay.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589057524716-NGBJ6LDBOUNQ6V4W8DE8/F-Actual+vs+Predicted+Mortality+Rates.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1589058423248-JVZB9ZW5SI0IR6NOFJJG/F-Actual+vs+Predicted+Mortality+Rates.png</image:loc>
      <image:title>EDH Blog - MORE DEATHS FROM UNEMPLOYMENT THAN COVID?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/4/15/what-price-coronavirus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1587573810828-W1BBY9KB6QULEJZD72V9/Comparative+Mortality+Data+4-21-2-.png</image:loc>
      <image:title>EDH Blog - WHAT PRICE CORONAVIRUS?</image:title>
      <image:caption>New York Times figures do not include more than 4,800 people in New York City who died and are believed to have had the coronavirus. As reported by the Times, many of those patients died without being tested, a consequence of a strained medical system and a persistent lack of testing capacity.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/4/10/the-changing-link-between-covid-19-amp-joblessness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1586558620125-6X8MBFB3OH91JND2GWY5/Deaths+vs+Layoffs+4-4-20.png</image:loc>
      <image:title>EDH Blog - THE CHANGING LINK BETWEEN COVID-19 &amp;amp; JOBLESSNESS</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1586574926600-8LAC8VF1C4N8CVW9XYOU/Change+in+Deaths+vs+Layoffs+3-28+-+4-4-20%29.png</image:loc>
      <image:title>EDH Blog - THE CHANGING LINK BETWEEN COVID-19 &amp;amp; JOBLESSNESS</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/4/3/a-link-between-covid19-amp-joblessness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1585954287907-1I7POJYBPHV01WE9X37C/COVID+vs+Job+Layoffs.png</image:loc>
      <image:title>EDH Blog - ANY LINK BETWEEN COVID19 &amp;amp; JOBLESSNESS?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/4/2/looking-at-updated-jobless-data-state-by-state</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1585862837376-YHIXSQT4WK6Y8VBW4EHK/U.S.+Weekly+Claims+%283-28-20%29.png</image:loc>
      <image:title>EDH Blog - THE JOBLESS TRAJECTORY: STATE-BY-STATE</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1585869153464-63J3BB2ERKE7KXFIRZB2/Unemployment+Claims+by+State.png</image:loc>
      <image:title>EDH Blog - THE JOBLESS TRAJECTORY: STATE-BY-STATE</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.edhovee.com/edhblog/2020/3/23/coronavirus-comparing-the-death-toll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5674414c9cadb6ac8da46f0b/1584996530330-ML88TSJVTPL66TX3QMK0/Age-Specific+Mortality+%282018+Table%29.png</image:loc>
      <image:title>EDH Blog - CORONAVIRUS: COMPUTING THE DEATH TOLL</image:title>
    </image:image>
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