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QB</image:title></image:image><lastmod>2016-01-11T18:08:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2016/01/01/the-new-benefits-world-is-here-though-you-may-not-have-seen-it-yet/</loc><lastmod>2016-01-02T03:38:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/09/13/brokers-heading-down-the-wrong-technology-path/</loc><lastmod>2015-11-16T16:49:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/11/12/your-hrbenefitspayroll-is-leaking-and-your-broker-may-be-causing-some-leaks/</loc><lastmod>2015-11-13T14:50:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/11/04/my-bold-predictions-about-the-future-of-the-benefits-business-a-summary/</loc><lastmod>2015-11-05T23:51:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/11/02/market-disruption-is-coming-to-the-benefits-business-and-at-it-will-come-from-the-outside-not-in/</loc><lastmod>2015-11-05T03:19:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/10/01/false-perception-of-private-exchanges-causing-problems/</loc><lastmod>2015-10-01T17:27:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/09/03/zenefits-has-crossed-the-line/</loc><lastmod>2015-09-03T17:41:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/08/29/two-things-zenefits-is-doing-that-most-brokers-arent/</loc><lastmod>2015-08-30T12:21:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/08/04/someitme-i-feel-like-george-costanza/</loc><lastmod>2015-08-05T12:36:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/07/23/its-not-about-the-technology-brokers-are-getting-out-sold/</loc><lastmod>2015-07-27T14:25:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/07/12/fee-for-service-for-benefits-brokers-it-changes-everything-and-its-coming/</loc><lastmod>2015-07-13T17:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/07/06/webinar-invite-upping-the-benefits-game-introducing-ideas-most-brokers-arent-thinking-about/</loc><lastmod>2015-07-06T22:55:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/07/02/willis-acquires-towers-watson-is-there-more-to-this-story/</loc><lastmod>2015-07-06T21:15:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/06/29/can-your-benefits-business-endure/</loc><lastmod>2015-06-29T14:15:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/29/be-careful-your-benefits-goggles-may-be-blurring-your-vision/</loc><lastmod>2015-05-31T12:22:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/10/15/if-you-want-results-like-zenefits-you-need-to-mow-the-lawn/</loc><lastmod>2015-05-29T01:19:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/12/08/why-the-utah-department-of-insurance-is-wrong-about-zenefits/</loc><lastmod>2015-05-29T01:18:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/12/21/what-zenefits-tells-us-about-the-benefits-market/</loc><lastmod>2015-05-29T01:16:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/07/webinar-announcement-zenefits-raises-500-million-what-does-this-mean-for-benefits-brokers/</loc><lastmod>2015-05-29T01:15:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/25/sometimes-you-just-have-to-start/</loc><lastmod>2015-05-26T13:43:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/10/benefits-brokers-part-of-the-problem-or-part-of-the-solution/</loc><lastmod>2015-05-23T20:02:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/04/turning-the-benefits-service-business-upside-down/</loc><lastmod>2015-05-05T01:54:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/05/04/xbox-the-future-of-employee-benefits-customer-service-reposted-from-2009/</loc><lastmod>2015-05-05T01:27:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/03/19/getting-handcuffed-with-benefits-technology/</loc><lastmod>2015-03-20T01:51:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/03/10/an-alternative-approach-to-private-exchanges/</loc><lastmod>2015-03-10T23:45:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2015/03/04/an-arms-length-m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model</image:title></image:image><image:image><image:loc>https://joemarkland.blog/wp-content/uploads/2014/12/current-model.png</image:loc><image:title>Current Model</image:title></image:image><image:image><image:loc>https://joemarkland.blog/wp-content/uploads/2014/12/bertolini-2.png</image:loc><image:title>Bertolini 2</image:title></image:image><image:image><image:loc>https://joemarkland.blog/wp-content/uploads/2014/12/bertolini-1.png</image:loc><image:title>Bertolini 1</image:title></image:image><lastmod>2015-08-04T20:52:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/past-articles/</loc><lastmod>2014-12-27T14:03:24+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://joemarkland.blog/speaker/</loc><lastmod>2014-12-27T14:00:00+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://joemarkland.blog/2013/12/22/what-would-steve-jobs-do-if-he-were-a-benefits-broker-today/</loc><image:image><image:loc>https://joemarkland.blog/wp-content/uploads/2013/12/steve-jobs.jpg</image:loc><image:title>Steve Jobs</image:title></image:image><lastmod>2014-12-24T01:12:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/12/15/the-benefits-technology-arms-race-continues/</loc><lastmod>2014-12-17T00:57:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/11/05/aetna-buys-bswift-why-benefit-brokers-must-pay-attention/</loc><lastmod>2014-11-06T02:39:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/10/23/its-time-to-ban-the-term-value-added-service-from-the-benefits-broker-business/</loc><lastmod>2014-10-23T18:54:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/22/its-time-to-simplify-benefits-2/</loc><lastmod>2014-10-23T18:52:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/09/02/there-is-a-ghost-lurking-in-the-benefits-broker-world/</loc><lastmod>2014-10-23T18:51:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/08/20/benefits-is-going-mobile-is-your-benefits-firm-ready/</loc><lastmod>2014-08-21T01:52:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/05/10/here-is-what-a-private-exchange-is-and-isnt/</loc><lastmod>2014-05-10T12:34:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/04/09/for-the-record-the-hr-technology-advisors-position-with-adp/</loc><lastmod>2014-04-09T19:16:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2014/03/15/do-you-want-wellness-newsletters-do-you-want-a-competitive-advantage/</loc><lastmod>2014-04-01T23:44:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/22/what-i-want-from-my-benefits-broker-or-at-least-someone/</loc><lastmod>2014-02-09T02:20:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/23/the-coming-obsolescence-of-stand-alone-benefits-enrollment-systems/</loc><lastmod>2013-12-26T17:59:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2012/04/30/are-your-differences-unique-or-relevant/</loc><lastmod>2013-12-22T14:56:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2012/04/30/you-cant-win-or-stop-a-technology-war-2/</loc><lastmod>2013-12-22T13:56:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/13/private-exchanges-technology-is-not-the-differentiator/</loc><lastmod>2013-12-22T13:55:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/02/18/its-time-to-simplify-benefits/</loc><lastmod>2013-12-22T13:53:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/22/an-open-letter-to-independent-insurance-and-benefits-agencies/</loc><lastmod>2013-12-22T13:46:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/22/for-the-record-my-position-on-hr-and-benefits-technology-vendors/</loc><lastmod>2013-12-22T13:40:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/22/you-cant-win-or-stop-a-technology-war/</loc><lastmod>2013-12-22T13:33:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog/2013/12/21/the-unintended-consequences-of-private-exchanges-for-employers/</loc><lastmod>2013-12-22T01:25:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://joemarkland.blog</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2025-03-06T13:10:14+00:00</lastmod></url></urlset>
