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      <image:caption>Changes in streaming activity by genre from 7 weeks before the quarantine (January 26 to March 14) and 7 weeks after the start of the quarantine (March 15 to May 2), measured by Reelgood</image:caption>
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      <image:caption>“Sorry mister, no ride for you until you get a mask!”</image:caption>
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      <image:caption>Pork Meat production in millions of tons (Resource: Our World in Data)</image:caption>
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      <image:caption>A latte made with caffè d’orzo, once a popular ersatz coffee</image:caption>
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      <image:caption>Ad by the Kentucky TB Association, circa 1945</image:caption>
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    <lastmod>2020-05-29</lastmod>
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      <image:caption>Congress is about to vote on a bill that might result in significant changes to the way loan forgiveness is calculated on the PPP. We’re temporarily disabling downloads of our calculator until those changes are enacted and we have an updated version.</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/zbb</loc>
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    <lastmod>2019-06-27</lastmod>
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      <image:caption>Kraft Heinz’s implementation of ZBB helped boost its operating margin by 12 percentage points between 2013 and 2017, largely outperforming its main competitors on this indicator</image:caption>
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    <lastmod>2019-07-01</lastmod>
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      <image:caption>Santa Cruz, the co-capital of the Spanish Autonomous Community of the Canary Islands</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/anjali-third-millennium-alliance</loc>
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      <image:title>The Workshop - Bernoulli Goes Wild</image:title>
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      <image:title>The Workshop - Bernoulli Goes Wild</image:title>
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    <lastmod>2019-04-30</lastmod>
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    <lastmod>2019-04-30</lastmod>
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      <image:caption>The North American Cannabis Index in 2018</image:caption>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/2019/2/18/building-a-better-boss</loc>
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    <lastmod>2019-02-19</lastmod>
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    <lastmod>2019-07-10</lastmod>
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    <loc>https://www.bernoullifinance.com/the-workshop/inventory-management-the-goldilocks-principle</loc>
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    <lastmod>2019-07-10</lastmod>
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    <lastmod>2020-06-24</lastmod>
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      <image:title>The Workshop - This is America</image:title>
      <image:caption>Average number of generations it takes for a family starting in the bottom 10% of society to climb to middle class, by country</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/food-courts-growth</loc>
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    <lastmod>2019-04-30</lastmod>
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      <image:caption>Cushman &amp; Wakefield’s projections for the number of food halls in North America</image:caption>
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      <image:caption>The Maine Avenue Fish Market: A perfect example of economic agglomeration</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/coworking-growth</loc>
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    <lastmod>2020-06-24</lastmod>
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      <image:title>The Workshop - Coworking Fluff</image:title>
      <image:caption>Public interest in the word “coworking” through Google searches from 2004 to 2017 (Annualized index over a scale from 0 to 100)</image:caption>
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      <image:caption>Public interest in the word “incubator” through Google searches from 2004 to 2017 (Annualized index over a scale from 0 to 100)</image:caption>
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      <image:title>The Workshop - Coworking Fluff</image:title>
      <image:caption>Public interest in the word “accelerator” through Google searches from 2004 to 2017 (Annualized index over a scale from 0 to 100)</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/irr-calculator</loc>
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    <lastmod>2019-04-30</lastmod>
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      <image:title>The Workshop - Good Venture/Bad Venture</image:title>
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    <loc>https://www.bernoullifinance.com/the-workshop/nuchas-interview</loc>
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    <lastmod>2019-04-30</lastmod>
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      <image:title>The Workshop - The World in Your Hand</image:title>
      <image:caption>Ariel Barbouth, founder and CEO of Nuchas Artisan Hand-Held Foods</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1535349201065-CN8F45SZRTOJXJ1CCV2C/Chicken_MG_7162.jpg</image:loc>
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      <image:caption>Nuchas's empanada - a vessel of flavors from around the world</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1535348952201-UZDZJNGI3JRMGZUS2V2U/Nuchas_Greeley+Sq_PRINT.jpg</image:loc>
      <image:title>The Workshop - The World in Your Hand</image:title>
      <image:caption>Nuchas's Greeley Square kiosk</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/hiring-the-right-bookkeeper</loc>
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    <lastmod>2019-04-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1535000405278-4D65KQ7A5A5ORJ8H00MZ/August+newsletter+%281%29.jpg</image:loc>
      <image:title>The Workshop - Hiring the Right Bookkeeper</image:title>
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    <loc>https://www.bernoullifinance.com/the-workshop/sales-tax-ecommerce</loc>
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    <lastmod>2019-04-30</lastmod>
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    <loc>https://www.bernoullifinance.com/the-workshop/pricing-consulting-services</loc>
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    <lastmod>2019-04-30</lastmod>
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      <image:caption>Download a simple project record template</image:caption>
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    <loc>https://www.bernoullifinance.com/the-workshop/cryptocurrency</loc>
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    <lastmod>2019-04-30</lastmod>
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    <loc>https://www.bernoullifinance.com/the-workshop/selling-online-2</loc>
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    <lastmod>2020-07-09</lastmod>
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    <loc>https://www.bernoullifinance.com/the-workshop/case-for-home-cooking</loc>
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    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1527090122485-272GEUFECQZC2TSRENEO/FarmerPie.png</image:loc>
      <image:title>The Workshop - Sharing the Pie</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/food-novelty</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1527053746016-WIHR9BY8TE9Z919FV01G/Food+Innovation+is+Risky.jpg</image:loc>
      <image:title>The Workshop - The Gentle Simmer</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1527054921389-33JU2OW6XG5ALIUJ9O1H/Crystal_Pepsi_20oz.jpg</image:loc>
      <image:title>The Workshop - The Gentle Simmer</image:title>
      <image:caption>Crystal Pepsi: Another ghost haunting the realm of F&amp;B fads.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1527054683049-USBGZKEQ4LGY2Q4UM3SN/Hummus_from_The_Nile.jpg</image:loc>
      <image:title>The Workshop - The Gentle Simmer</image:title>
      <image:caption>A plate of hummus as it would be presented to you at a traditional Middle Eastern restaurant</image:caption>
    </image:image>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/balance-sheet-infographic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1524684725249-IKUAONTJZ8350UQSIQPG/balance_sheet_infographic_final.png</image:loc>
      <image:title>The Workshop - Reinstating the Balance Sheet</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/selling-online</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1524684556208-NWKFY42KGLMTWPP2B6N1/Illustration_2.jpg</image:loc>
      <image:title>The Workshop - Selling Online</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1524741093905-GMKEKI6BOV4W5R6IX0R0/NewGraph.PNG</image:loc>
      <image:title>The Workshop - Selling Online</image:title>
      <image:caption>Note: I've assumed that the classic retailer requires a 40% margin and the distributor a 20% margin, and that the third party online retailer takes a 25% cut.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/tinsel-growing-with-style</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1521628439151-FF4FFNLFYJI1EYCBXV60/_MG_0165.jpg</image:loc>
      <image:title>The Workshop - Growing with Style</image:title>
      <image:caption>TINSEL Experiential Design's co-founders, Adette Contreras, Liz Castelli, and Erica Taylor.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1521629368887-CAN42AVBOL9FC1DRYEBC/Quyn-Duong-IP-Soft-Holiday-175.jpg</image:loc>
      <image:title>The Workshop - Growing with Style</image:title>
      <image:caption>New York's Saint John the Divine gets a makeover</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1521629072084-Q195W8O3IIWCGURJE42R/20171207_TINSELxSPOTIFY_0060.jpg</image:loc>
      <image:title>The Workshop - Growing with Style</image:title>
      <image:caption>Putting the experience in experiential</image:caption>
    </image:image>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/going-cashless</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1521468952183-22WMSJ9W3P2IQ1Q8A360/cashless2_wide.jpg</image:loc>
      <image:title>The Workshop - Going Cashless</image:title>
      <image:caption>Illustration by Varvara Grankova</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/starting-cannabis-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1519061561022-LUV87XOVI0ZZSLNYD720/IMG_4747.JPG</image:loc>
      <image:title>The Workshop - High Hopes</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1519061155339-5L520ZOIP6C5VRRYZR76/Sessions.jpg</image:loc>
      <image:title>The Workshop - High Hopes</image:title>
      <image:caption>Mr. Sessions is worried about you</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/new-business-tax-law</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/souk-el-tayeb</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1513978787541-1XPVE4UUJYL5PNJADMZI/Souk+El+Tayeb+-+Beirut+Souks+.jpg</image:loc>
      <image:title>The Workshop - Meet the company that changed the way a country looks at its food</image:title>
      <image:caption>The Souk el Tayeb farmers' market of Beirut</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1513979032957-FLWM9XWWVGTNK06YIWDX/Kamal+and+Christine.jpg</image:loc>
      <image:title>The Workshop - Meet the company that changed the way a country looks at its food</image:title>
      <image:caption>Kamal Mouzawak and Christine Codsi</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1513979787413-ITTESOGAFH8JZ8SYBZJL/Tawlet+Beirut+2.jpg</image:loc>
      <image:title>The Workshop - Meet the company that changed the way a country looks at its food</image:title>
      <image:caption>Tawlet-Beirut, where Lebanese farm-to-table was born</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1513979635491-ZEMB0QY6P486EVRSVB3Y/Capacity+Building+Program+-+UNHCR+%26+Caritas+Lebanon.jpg</image:loc>
      <image:title>The Workshop - Meet the company that changed the way a country looks at its food</image:title>
      <image:caption>Palestinian and Syrian refugee women participating in Souk el Tayeb's capacity building program, sponsored by the United Nations Refugee Agency (UNHCR)</image:caption>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/mental-anxieties-of-running-a-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1510862127671-3IOQJT36O22SRKS3NAJN/Mental+Anxiety+Question+Cloud.png</image:loc>
      <image:title>The Workshop - Mental Anxieties of Running a Business</image:title>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/devocion-coffee</loc>
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    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1508517353329-R2ZLFPE605KSK8EVJ0BD/Steven+portrait+-+cafe.jpeg</image:loc>
      <image:title>The Workshop - Good coffee takes Devoción</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1508517440427-RMAMTA53RMS3DAUXZ4U5/Final_2.png</image:loc>
      <image:title>The Workshop - Good coffee takes Devoción</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1508517572968-XAXAJ0MPJV7J3THJGTX3/Final_4.png</image:loc>
      <image:title>The Workshop - Good coffee takes Devoción</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1508517749000-8CAH2KXHIV7NE2JFQG0D/IMG_2396.jpg</image:loc>
      <image:title>The Workshop - Good coffee takes Devoción</image:title>
      <image:caption>Devoción 's coffee shop in Williamsburg, Brooklyn, NY</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1508517058812-6SC8CR74ECW5JMDP2TC1/Final_3.png</image:loc>
      <image:title>The Workshop - Good coffee takes Devoción</image:title>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/bookkeeping-101</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1502656802495-ID7BYKU6NDYPRC0XFCCC/04_Expert_Watercolour.png</image:loc>
      <image:title>The Workshop - Bookkeeping 101</image:title>
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  <url>
    <loc>https://www.bernoullifinance.com/the-workshop/visualizing-finances-how-to-divide-hours-in-a-day</loc>
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    <priority>0.5</priority>
    <lastmod>2019-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1502658445279-1NMTUFIN9KWZ7X0FNK05/image-asset.png</image:loc>
      <image:title>The Workshop - How to Divide Hours in a Day</image:title>
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    <lastmod>2019-04-30</lastmod>
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      <image:title>The Workshop - Finance Illustrated: Depreciation</image:title>
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      <image:title>The Workshop - Finance Illustrated: Depreciation</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1502655437626-FXRSK5JRV2TME7ZZP9G6/image-asset.png</image:loc>
      <image:title>The Workshop - Finance Illustrated: Depreciation</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57711e17e4fcb5ab5159ceca/1502317487503-AMK2SKHIFBLOJJNI16Y0/Double-declining</image:loc>
      <image:title>The Workshop - Finance Illustrated: Depreciation</image:title>
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    <lastmod>2022-09-27</lastmod>
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      <image:title>Who We Are - Anjali Oberoi, Founder &amp;amp; Principal</image:title>
      <image:caption>About: Incurable chocoholic, food enthusiast, and environmentalist with extensive experience in finance and operations. Also Finance &amp; Accounting Instructor at the Food Craft Institute. When not working, find her backpacking, rock climbing, reading, or searching for her next best chocolate experience. Experience: Previously Partner &amp; CFO at Fare Resources, CFO at Belcampo Group, and Food Craft Institute's first Treasurer of the Board. Management consulting for multinationals, financial planning and analysis for small enterprises, and business concept development for seed stage ventures. Academics: MBA International Business and MS Finance (Temple University), Masters/Bachelor Biochemical Engineering &amp; Biotechnology (Indian Institute of Technology, Delhi). Native English and Hindi, improving Arabic and Spanish.</image:caption>
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      <image:title>Who We Are - Walid ElAsmar, Principal, Special Projects</image:title>
      <image:caption>About: International development consultant with experience spanning projects of business strategy, economic development, and governance reform. Data analytics wizard. When not working, find him humming, strumming, and planning for the next destination. Experience: Previously ocean engineer , specialized in the study of waves and involved in the design of floating platforms. Academics: Master of International Urban Development (New York University), Dual Master of Ocean Engineering and Scientific Computing (University of Michigan), and Bachelor of Civil Engineering (American University of Beirut). Native Arabic and French, fluent English and Spanish.</image:caption>
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      <image:title>Who We Are - Mariam Furmanau, Principal, Financial Operations</image:title>
      <image:caption>About: Operations and e-commerce specialist, always looking for ways to adapt, adjust, and improve. When not working, find her teaching Russian, perfecting ice-cream eating skills, and researching million ways to best organize a small NYC living space. Experience: Previously Director of Operations with Sakara Life, Dukan Diet, Editio01 and Vivre.com. Academics: MBA in International Business and BA in Management Information Systems (Texas A&amp;M University). Native Russian, tourist French.</image:caption>
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      <image:title>Who We Are - Bojan Bundalo</image:title>
      <image:caption>About: Financial Analyst with experience in financial controlling, analytics, and business development. When not working, find him exploring nature with his dog or training in the gym. Experience: Previously worked as a Financial Manager for a chain of medical centers in Croatia and was involved in several international projects as a financial controller and analyst. Academics: Bachelor of Science in International Business (Rochester Institute of Technology). Native Croatian, fluent in English, and learning French.</image:caption>
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      <image:title>Who We Are - Patty Kenyon</image:title>
      <image:caption>Officer, Bookkeeping About: Passionate accounting professional with the determination for uniquely complex bookkeeping. Quickbooks Master. Enjoys learning new systems &amp; workflows. Mother of 2 wild and passionate girls. An avid collector of Carmex chapstick, lover of pistachios, and coordinator for family functions. Loves traveling! Experience: 20 years working with wholesale/retail distribution companies and other various service industries. Academics: Bachelor of Science degree in Accounting with Specialty in Operations management from Ashford University. Bookkeeping certification from Marywood College, Scranton, Pa.</image:caption>
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      <image:title>Who We Are - Olivia Tincani</image:title>
      <image:caption>Captain, Strategy &amp; Planning About: Active skin-in-game farmer, winemaker’s wife, Californian and Italian passionate about making better farmers and ranchers and the organizations, tools, systems, and supply chains that support them. Principal at Olivia Tincani &amp; Co., designer and educator of farmer &amp; rancher business training programs for Southwest Grassfed Livestock Alliance, the Intertribal Agriculture Council and Fibershed. Co-director of the Grazing School of the West. Advisor for National Farm Viability Conference and founding Board member of Kitchen Table Advisors.. Experience: Previously President, Fare Resources. Founder Farm 255, Farm Burger and Full Moon Coop. Academics: BA Art History and Photography (Haverford College). Fluent English and Italian, conversational French, hopeful Spanish.</image:caption>
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      <image:title>Who We Are - Kellen Williams</image:title>
      <image:caption>About: Reader, runner, writer with broad experience helping small and medium businesses develop their finance and operations functions. Process evangelist and partisan of the observation, decision, action cycle of systems building. Away from work, find him training for an ultramarathon and traveling the world to photograph antique and vintage racing cars. Experience: Bookkeeping and operations management in small and medium businesses since 2004. His background includes experience as an in-house bookkeeper and manager, as well as experience in an outsourced service as a manager and bookkeeping trainer. Education: Bachelor of Arts in English Literature, NYU. Native English, basic French, learning Turkish.</image:caption>
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      <image:title>Who We Are - Kathy Kelley</image:title>
      <image:caption>About: When not focused on working with her clients, Kathy can be found hiking wooded trails with her furry companion, toiling away in her gardens, knitting a gift for family and friends, cooking a prize-winning chili for the next neighborhood cook-off, or traveling through the back roads of Europe on biking tours. Experience: Previously, Kathy performed the roles of CFO, Finance Director, and Controller for a variety of privately held companies, primarily in service industries, including advertising, marketing, public relations, product design, corporate training, restaurant, and legal organizations. Academics: Kathy received an MBA in Financefrom Wayne State University and a BA in Accounting from Western Michigan University. Recently certified as a Medicare/Medicaid Advisor, Kathy donates her time to help people navigate the complexities of these systems.</image:caption>
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    <lastmod>2019-04-30</lastmod>
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