<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://hstern.ca/tools/dot-grids/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/account-comparison/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/hotstring-hints/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/bulk-msg-extractor/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/exam-timer/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/controller-mkb/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/proctor-schedule/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/extend-layer/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/wikirss/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/new-economics-papers/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/ridge-plots/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/indexed_productivity/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/colemak-qwerty-words/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/parametric-integrals/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/peanuts/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/fhsa/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/fizzbuzz/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/excel-lambda/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/talks/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/7-alternatives/hedge-fund-strategies/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/3-asset-allocation/principles/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/3-asset-allocation/constraints/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/8-private-wealth-management/topics/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/0-summary-review/index.html</loc>
    <lastmod>2026-05-23T18:46:04.543Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/2-capital-market-expectations/forecasting/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/4-derivatives-and-currency/options-strategies/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/5-fixed-income/yield-curve/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/5-fixed-income/fixed-income-overview/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/a10-trading,-performance,-and-manager-selection/manager-selection/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/a10-trading,-performance,-and-manager-selection/trading/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/6-equities/active-equity-strategies/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/6-equities/passive-equity-investing/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/1-behavioural-finance/investment-processes/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/fixed-income/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/derivatives/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/equity-valuation/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/research/working/monetary-on-assets/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/research/progress/investment-network/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/about/index.html</loc>
    <lastmod>2026-05-23T18:46:04.514Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/research/published/macro-surprise/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/research/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/gre/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/summaries/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-2/financial-statements/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-1/index.html</loc>
    <lastmod>2026-05-23T18:46:04.542Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/1-behavioural-finance/individuals/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/6-equities/active-equity-construction/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/6-equities/equity-overview/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/a10-trading,-performance,-and-manager-selection/performance-evaluation/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/5-fixed-income/liability-driven/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/5-fixed-income/active-management/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/4-derivatives-and-currency/currency/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/4-derivatives-and-currency/swaps-forwards-futures/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/2-capital-market-expectations/framework/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/8-private-wealth-management/overview/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/9-institutional-portfolio-management/institutional-portfolio-management/index.html</loc>
    <lastmod>2026-05-23T18:46:04.546Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/3-asset-allocation/overview/index.html</loc>
    <lastmod>2026-05-23T18:46:04.544Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/portfolio-management/7-alternatives/allocations/index.html</loc>
    <lastmod>2026-05-23T18:46:04.545Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/notes/cfa-3/index.html</loc>
    <lastmod>2026-05-23T18:46:04.543Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/talks/slides/python-replication/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/robust-relative-paths/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/predoc-task-1/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/barbara-blackburn/index.html</loc>
    <lastmod>2026-05-23T18:46:04.514Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/nvim-r-plots/index.html</loc>
    <lastmod>2026-05-23T18:46:04.540Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/book-of-kells/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/gre-percentiles/index.html</loc>
    <lastmod>2026-05-23T18:46:04.515Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/blog/predoc-task-2/index.html</loc>
    <lastmod>2026-05-23T18:46:04.541Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/gre-vocab/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/cookiecutter-python-data/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/edgar-db/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/exhibit-pages/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/ahk-osk/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/escape-nested-tex/index.html</loc>
    <lastmod>2026-05-23T18:46:04.548Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/gradesheet/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
  <url>
    <loc>https://hstern.ca/tools/pdf-metadata/index.html</loc>
    <lastmod>2026-05-23T18:46:04.549Z</lastmod>
  </url>
</urlset>
