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      <image:title>Financial Planning Blog - Intergenerational Wealth Transfer: Passing It On, Without the Problems - Make it stand out</image:title>
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      <image:title>Financial Planning Blog - Intergenerational Wealth Transfer: Passing It On, Without the Problems - Make it stand out</image:title>
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      <image:title>Financial Planning Blog - Intergenerational Wealth Transfer: Passing It On, Without the Problems - Make it stand out</image:title>
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      <image:title>Financial Planning Blog - The Tupicoffs’ Client - Make it stand out</image:title>
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      <image:title>Financial Planning Blog - The Tupicoffs’ Client - 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>
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      <image:title>Financial Planning Blog - The Tupicoffs’ Client - 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>
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      <image:title>Financial Planning Blog - The Tupicoffs’ Client - 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>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/high-net-worth-wealth-management</loc>
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    <lastmod>2025-05-13</lastmod>
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      <image:title>Financial Planning Blog - The Essentials of High-Net-Worth Wealth Management - 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>
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      <image:title>Financial Planning Blog - The Essentials of High-Net-Worth Wealth Management - 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>
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      <image:title>Financial Planning Blog - The Essentials of High-Net-Worth Wealth Management - 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>
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      <image:title>Financial Planning Blog - The Essentials of High-Net-Worth Wealth Management - 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>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/asset-protection-during-divorce</loc>
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    <lastmod>2025-03-14</lastmod>
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      <image:title>Financial Planning Blog - Asset Protection during Divorce - 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>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/retirement-planning-preparing-for-a-change</loc>
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    <lastmod>2025-03-05</lastmod>
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      <image:title>Financial Planning Blog - Preparing for Retirement</image:title>
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      <image:title>Financial Planning Blog - Preparing for Retirement - Whatever your retirement holds, be sure to plan it.</image:title>
      <image:caption>Tupicoffs specialises in whole of life financial planning. We help our clients with everything from investment advice to retirement planning. If you want a smooth, stress free transition into retirement, we can help.</image:caption>
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    <lastmod>2025-02-26</lastmod>
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      <image:title>Financial Planning Blog - Brief but Bright - 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>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-02-04</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/safeguarding-your-inheritance</loc>
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    <lastmod>2024-09-25</lastmod>
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    <lastmod>2024-09-05</lastmod>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/the-retirement-dream</loc>
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    <lastmod>2024-06-20</lastmod>
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      <image:title>Financial Planning Blog - Achieving the Retirement Dream - Financial Freedom</image:title>
      <image:caption>Leaving behind the daily commute, and the financial stress of work is something we all want to do, at some point. Tupicoffs’ clients are fairly unanimous, when they’re done working, they’re done working. The last thing anyone wants is to be stressing about money instead of enjoying their hard earned relaxation years. Our clients' goals, and our advice for them when retirement planning, often strongly feature the ability to simply do what they want, when they want.</image:caption>
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      <image:title>Financial Planning Blog - Achieving the Retirement Dream - Travel</image:title>
      <image:caption>Many of our clients have plans to travel overseas in future years, these could be solo trips, or with the whole family. International adventures, or simply the many domestic locations around Australia. Our clients love all kinds of travel, and we work hard to make sure they can set off on their adventures without any financial concerns. Being a grey nomad is also a great time to spend with friends, go on adventures, and even meet new people with similar interests.</image:caption>
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      <image:title>Financial Planning Blog - Achieving the Retirement Dream - Family Time</image:title>
      <image:caption>Time with loved ones is always precious. Going into retirement people want to be closer with their families and friends. A lot of people feel like their working life, and their work commitments, took up valuable time with their families. We advocate fairly strongly for our clients in all phases of their lives to shed some of their financial stress. We believe spending more time with the people we worked so hard for, is good for everyone.</image:caption>
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      <image:title>Financial Planning Blog - Achieving the Retirement Dream - Volunteer</image:title>
      <image:caption>Some of our clients, at the end of their working lives, simply want to bring some joy to others. It’s a wonderful thing to be free of the compulsory nature of work. But, part of the reason our clients are so successful, is they have such a strong work ethic. Without the standard 9 - 5 working day a lot of them take on volunteer work for the sense of purpose and the ability to help people around them.</image:caption>
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      <image:title>Financial Planning Blog - Achieving the Retirement Dream - New Hobbies and Skills</image:title>
      <image:caption>Sometimes work commitments get in the way of trying new things. Retirement often helps people find time to try something new. A spare 8 hours a day to commit to whatever takes your fancy. We understand why our clients are so keen. From pottery to woodworking, painting to glassblowing, or even bungie jumping to sky diving. Our clients are ready for a new hobby and we are ready to manage their finances so they have time to take up two.</image:caption>
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      <image:title>Financial Planning Blog - How A Financial Planner Can Make Your Divorce Easier</image:title>
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      <image:title>Financial Planning Blog - The Cost of Operating an SMSF</image:title>
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    <lastmod>2025-03-17</lastmod>
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      <image:title>Financial Planning Blog - 3 Tips for Managing Expenses Before Retirement</image:title>
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      <image:title>Financial Planning Blog - 3 Tips for Managing Expenses Before Retirement</image:title>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/tupicoffs-clients</loc>
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    <lastmod>2024-07-04</lastmod>
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      <image:title>Financial Planning Blog - Get To Know Our Clients</image:title>
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      <image:title>Financial Planning Blog - Get To Know Our Clients - Retirees</image:title>
      <image:caption>Our retired clients consistently tell us they didn't retire to take on a job managing their finances. They want to enjoy the rewards of retirement and outsource the burden of financial management to someone they can trust.</image:caption>
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      <image:title>Financial Planning Blog - Get To Know Our Clients - High Income Earners</image:title>
      <image:caption>Our service is suitable to clients who want to eliminate the burden of managing their own complex financial situations. We specialise in assisting those who have achieved a high level of wealth, looking to outsource the day to day management of their assets to a team dedicated to monitoring and managing their situation closely.</image:caption>
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      <image:title>Financial Planning Blog - Get To Know Our Clients - Over 45’s</image:title>
      <image:caption>We specialise in clients over 45 years old and enjoy solving more complex financial planning challenges. Our clients understand the value of good advice and appreciate the benefits of our completely independent financial planning model.</image:caption>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/is-it-time-to-sell-your-business</loc>
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    <lastmod>2024-07-04</lastmod>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/why-is-an-independant-financial-planner-the-right-choice</loc>
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    <lastmod>2025-02-10</lastmod>
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      <image:title>Financial Planning Blog - Why is an Independent Financial Planner the right choice?</image:title>
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    <loc>https://www.tupicoffs.com.au/financial-adviser-blog/succession-planning-for-your-business</loc>
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    <lastmod>2024-07-04</lastmod>
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    <lastmod>2025-05-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/44f4587b-c629-4b6f-a7d8-cfc1fffbc4c9/Neil+Kendall+OAM.jpg</image:loc>
      <image:title>News - 2024 - The Barron’s List Grows Again</image:title>
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      <image:title>News - 2024 - The Barron’s List Grows Again - Neil is the only Independent Financial Adviser in Brisbane to have made the 2024 Barron’s Top 150 Australian Financial Advisers List.</image:title>
      <image:caption>The Top Australian Financial Advisers list is a collaboration between The Australian and Barron’s. The list has been running since 2004 in the US, and debuted in Australia in 2017. The list is a respected ranking system for financial advisers, and can act as a guide to consumers seeking a high performing, experienced adviser. The resurgence of reliable and highly qualified financial advisers in Australia has been noted. Even with the expansion of the list to 150 advisers, The Australian notes that “only 1 per cent of the nation’s advisers make the cut.”</image:caption>
    </image:image>
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  <url>
    <loc>https://www.tupicoffs.com.au/news/services-to-the-financial-planning-sector</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-13</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://www.tupicoffs.com.au/news/barrons-2022-top-100</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/68b742cb-0729-40b5-a4ef-a952f3cf2c69/Independent+Financial+Advisor+Brisbane</image:loc>
      <image:title>News - Australia’s Top 100 Financial Advisers in 2022 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/377619a4-6657-4f33-b4d4-7120600647e3/Barrons+logo+2022+copy.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tupicoffs.com.au/news/new-declaration-of-independence-rules-of-financial-advisers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-31</lastmod>
    <image:image>
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      <image:title>News - New Declaration of Independence Rules For Financial Advisers</image:title>
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  </url>
  <url>
    <loc>https://www.tupicoffs.com.au/news/barrons-top-100-financial-advisers-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-07</lastmod>
    <image:image>
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      <image:title>News - Barrons Top 100 Financial Advisers - 2021</image:title>
      <image:caption>We are very excited to announce that Tupicoffs Managing Director, Neil Kendall, has again been listed in the Barrons Top 100 Financial Advisers. This year is Neil’s fourth appearance in the list of the best Financial Advisors around Australia since it was established in 2017. This year, Neil is the only Independent Financial Adviser from Queensland to make the list.</image:caption>
    </image:image>
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    <loc>https://www.tupicoffs.com.au/news/investment-update-202122-budget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-26</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/brisbane-financial-adviser-receives-japanese-honour</loc>
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    <lastmod>2024-05-31</lastmod>
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    <lastmod>2025-03-26</lastmod>
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    <lastmod>2025-06-13</lastmod>
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    <lastmod>2025-06-13</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-02-20</lastmod>
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    <priority>0.5</priority>
    <lastmod>2025-02-11</lastmod>
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      <image:title>News - Worrying About Others Money - The Australian</image:title>
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    <lastmod>2024-05-31</lastmod>
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    <lastmod>2025-02-11</lastmod>
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    <lastmod>2025-02-20</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.tupicoffs.com.au/news/asic-clarifies-its-position-on-the-use-of-independently-owned</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-04</lastmod>
  </url>
  <url>
    <loc>https://www.tupicoffs.com.au/news/federal-budget-update-201718</loc>
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    <priority>0.5</priority>
    <lastmod>2024-06-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/cynthia-sercombe-griffith</loc>
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    <lastmod>2024-11-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/in-position-to-make-an-impact-on-millions-of-lives</loc>
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    <lastmod>2024-06-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/fpa-awards-2016</loc>
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    <lastmod>2024-07-04</lastmod>
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      <image:title>News - Tupicoffs Success at FPA Awards 2016</image:title>
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    <loc>https://www.tupicoffs.com.au/news/november-2016-us-election-update</loc>
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    <lastmod>2024-06-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/september-2016-super-update</loc>
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    <lastmod>2024-06-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/independent-financial-advisors</loc>
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    <priority>0.5</priority>
    <lastmod>2024-11-28</lastmod>
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    <loc>https://www.tupicoffs.com.au/news/tupicoffs-signs-declaration-of-independence</loc>
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    <lastmod>2024-09-06</lastmod>
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    <lastmod>2024-06-28</lastmod>
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    <lastmod>2024-07-04</lastmod>
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    <lastmod>2024-07-04</lastmod>
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    <lastmod>2025-07-09</lastmod>
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      <image:title>Red Bear</image:title>
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    <image:image>
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      <image:caption>A visitor to the stunning Notredame</image:caption>
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    <image:image>
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      <image:caption>Exploring Croatia! They have some of the most amazing waterfalls in the world.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/317ef4cf-ea7f-4f4c-b2ad-c1637058d2d8/Croatia_3.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Bear Conference in Croatia. Lots to learn and discuss with the big wooden bear. Us inanimate bears have to stick together.</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Meeting Fish on the High Seas</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Fishing in Noosa! Not quite as good as the Grizzlies with a Salmon, but still an impressive catch.</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Seeing the sights in Athens</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Learning about Rorke's Drift in South Africa</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/1720000333814-U47CWXJOBSHCZXWNX008/12.Bear%2Bon%2Bisle%2Bof%2Bpine%2B-%2Bpappalardo.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Sunbathing on the stunningly beautiful Isle of Pines</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/262d88e6-fbc1-4f9b-b615-b41d05fef77f/13.Bear+on+Mt+Etna+-+Sicily+-+pappalardo.JPG</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Traversing active volcano Mount Etna in Sicily</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/1720000010050-F45U543IDMRAQRDGR5RL/46.Sundowner%2B-%2BGrimwade.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>A Beverage in Botawana</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/0c882ceb-300a-46f8-b5d4-9b2315fb005e/39.redbear+photo+-+Badenoch.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Sailing the crystal clear seas</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/06cd6283-7e17-4280-913a-9e124f459da4/Africa.JPG</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Elephant Emergency!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/039e0eff-4e80-4f34-8a7c-139fad5c6d26/17.Bear+on+ship+lookout+-+pappalardo.JPG</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Cruising, Cruising, Cruising</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/a711cde0-fc19-4723-934e-0c2b1ea72983/Samos_3.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Loving the water around Samos, so clear!</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Watching the boats sail the Seine</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Frolicking in a field of flowers in Slovenia</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>On the steps of Ephesus in Turkey</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/e5831d8d-a3c2-48ec-abca-0c57fea2d7fa/Machu+Pichu+Red+Bear.JPG</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Red Bear sees Machu Pichu</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Have a Beary Happy Christmas</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/fa85d7c3-0873-4829-b0ad-5a6cff418eb7/Niagara+Red+Bear.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Niagara Falls looks even bigger when you are a little Red Bear!</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Triplet Bears see Cinque Terra!</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>The Colosseum was incredible! Huge and full of history.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/81575628-948f-4680-953f-8802ab07ffe5/Red+Bear+Elvis.JPG</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Meet and greet with Elvis!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/e31d6de4-1a6c-4426-adb3-fabc7deb02fb/Red+bear+IMG_1745.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Occasionally, like by magic, the Bear gets big. Human Size Bear is making the most of it here with snacks and an incredible view.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/ad55c6a9-05a4-4f53-b0a2-d61b7223c226/Red+Bear+Karakorum+Mtn+Range+-+Baltistan.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>The Karakoram Mountain Range is HUGE! (and I am a very small bear)</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>We might be lost?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc041e26609fd0ee78ddd94/c2470b1a-2511-4406-9e1f-0d3dda1dc872/Red+bear+pool-1790.jpg</image:loc>
      <image:title>Red Bear</image:title>
      <image:caption>Human Size Bear sun-baking to get the perfect shade of red!</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Slovenias Predjama Castle! What an incredible sight!</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Triplet bears visit the Trevi Fountain! I hope they made a good wish</image:caption>
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    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Red Bear has been called to Yale for a college education. I'm sure it comes as no surprise, he's studying financial planning!</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Horseshoe Bend was so amazing! (Can Bears be scared of heights?)</image:caption>
    </image:image>
    <image:image>
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      <image:title>Red Bear</image:title>
      <image:caption>Sailing through St Petersburg</image:caption>
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