<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1"><url><loc>https://itsjustbeta.com/</loc></url><url><loc>https://itsjustbeta.com/about/</loc></url><url><loc>https://itsjustbeta.com/chapters/01-introduction/</loc></url><url><loc>https://itsjustbeta.com/chapters/02-the-factor-model-equation/</loc></url><url><loc>https://itsjustbeta.com/chapters/03-factors-and-exposures/</loc></url><url><loc>https://itsjustbeta.com/chapters/04-model-types/</loc></url><url><loc>https://itsjustbeta.com/chapters/05-universes/</loc></url><url><loc>https://itsjustbeta.com/chapters/06-estimating-factor-returns/</loc></url><url><loc>https://itsjustbeta.com/chapters/07-factor-portfolios/</loc></url><url><loc>https://itsjustbeta.com/chapters/08-risk-model-assembly/</loc></url><url><loc>https://itsjustbeta.com/chapters/09-risk-attribution/</loc></url><url><loc>https://itsjustbeta.com/chapters/10-performance-attribution/</loc></url><url><loc>https://itsjustbeta.com/chapters/11-portfolio-construction/</loc></url><url><loc>https://itsjustbeta.com/chapters/12-hedging/</loc></url><url><loc>https://itsjustbeta.com/chapters/13-alpha-research/</loc></url><url><loc>https://itsjustbeta.com/chapters/14-model-evaluation/</loc></url><url><loc>https://itsjustbeta.com/chapters/15-modifying-the-model/</loc></url><url><loc>https://itsjustbeta.com/chapters/16-practical-considerations/</loc></url><url><loc>https://itsjustbeta.com/chapters/17-appendix/</loc></url><url><loc>https://itsjustbeta.com/chapters/18-mini-example-source-code/</loc></url></urlset>