<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>http://stiel.org/2012/02/23/china-unionpay-said-to-be-launching-square-like-card-acceptance-device/</loc><lastmod>2012-02-23T15:14:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/21/the-only-three-true-job-interview-questions/</loc><lastmod>2012-02-21T13:36:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/20/coinstar-starbucks-testing-automated-coffee-kiosks/</loc><lastmod>2012-02-21T04:19:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/principles/student-scholarships/</loc><lastmod>2012-02-16T15:52:32+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/principles/data-security/</loc><lastmod>2012-02-15T22:28:53+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/principles/green-marketing-initiative/</loc><lastmod>2012-02-15T22:28:40+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/services/life-event-marketing/new-mover-marketing/</loc><lastmod>2012-02-15T16:40:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2012/02/15/paypal-prepaid-announces-exclusive-partner/</loc><lastmod>2012-02-15T14:52:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/contact-us/</loc><lastmod>2012-02-14T14:42:32+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2012/02/14/5-gallon-gas-by-summer/</loc><lastmod>2012-02-14T14:09:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/14/apple-puts-independent-auditor-on-factory-working-conditions/</loc><lastmod>2012-02-14T13:48:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/13/46-of-phones-nfc-enabled-by-2016/</loc><lastmod>2012-02-13T20:59:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/10/u-s-banks-have-issued-over-a-million-visa-emv-chip-cards/</loc><lastmod>2012-02-10T18:01:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/09/googles-purchase-of-motorola-mobility-expected-to-get-approval/</loc><lastmod>2012-02-09T16:10:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/08/quote-of-the-day-marketing-is-dead/</loc><lastmod>2012-02-08T20:55:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/06/quote-of-the-day-this-country-cant-be-knocked-out-in-one-punch-we-get-right-back-up-again-and-when-we-do-the-world-will-hear-the-roar-of-our-engines-its-halftime-america/</loc><lastmod>2012-02-06T18:19:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/06/smartphone-shipments-exceeded-those-of-pcs-last-year/</loc><lastmod>2012-02-06T15:54:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/02/price-is-deciding-factor-in-choice-of-fueling-location/</loc><lastmod>2012-02-02T20:44:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/02/quote-of-the-day-if-opportunity-doesnt-knock-build-a-door/</loc><lastmod>2012-02-02T19:00:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/02/01/restaurants-report-strong-sales-traffic-in-december/</loc><lastmod>2012-02-01T15:53:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/31/iphone-5-to-feature-nfc-game-changer-for-mobile-payments/</loc><lastmod>2012-01-31T21:05:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/31/upcoming-payment-conferences/</loc><lastmod>2012-01-31T14:17:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/31/amazon-sold-6-million-kindle-fires-in-fourth-quarter-2011/</loc><lastmod>2012-01-31T14:09:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/29/2012-sundance-film-festival-grand-jury-prize-award-winner-announced/</loc><lastmod>2012-01-29T14:48:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/28/debit-card-fees-bank-transfer-day-cost-big-banks-600000-customers/</loc><lastmod>2012-01-28T17:55:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/27/quote-of-the-day-unfortunately-some-people-are-questioning-apples-values-today/</loc><lastmod>2012-01-28T04:35:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/27/f-b-i-searches-offices-of-n-y-adviser-on-chinese-reverse-mergers/</loc><lastmod>2012-01-27T22:01:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/26/wiley-college-and-the-university-of-southern-california-rematch/</loc><lastmod>2012-01-26T19:33:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/25/fed-says-it-is-unlikely-to-raise-key-interest-rate-until-late-2014-extending-timeframe/</loc><lastmod>2012-01-25T17:45:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/25/co-brand-gas-cards-disappear/</loc><lastmod>2012-01-25T11:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/24/quote-of-the-day-in-the-past-economic-growth-came-first-then-you-got-education-health-and-two-child-famil-ies-now-it-is-the-reverse-if-you-have-education-health-and-two-child-families-then-y/</loc><lastmod>2012-01-24T23:18:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/23/wal-mart-names-new-ceo-for-sams-club/</loc><lastmod>2012-01-23T18:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/20/etta-james-has-died/</loc><lastmod>2012-01-20T17:43:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/20/coming-soon-supersonic-data-transfers-500-times-faster-than-3g-phones/</loc><lastmod>2012-01-20T16:10:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/19/quote-of-the-day-people-over-50-account-for-67-of-americas-consumption/</loc><lastmod>2012-01-19T21:20:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/19/irsdol-starts-crackdown-over-independent-contractors/</loc><lastmod>2012-01-19T16:11:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/18/2012-ces-breaks-records-for-attendance-exhibition/</loc><lastmod>2012-01-18T22:26:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/17/500-million-sub-us100-smartphones-this-year-says-deloitte/</loc><lastmod>2012-01-17T14:41:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/16/ipad-3-will-feature-hd-quad-core-chip-lte-support/</loc><lastmod>2012-01-16T16:15:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/15/number-of-credit-card-holders-2008/</loc><lastmod>2012-01-16T05:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/15/fresh-easy-neighborhood-market-plans-to-close-underperforming-stores/</loc><lastmod>2012-01-15T21:34:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/13/paypal-does-4-billion-in-mobile-volume-in-2011-projects-7-billion-for-2012/</loc><lastmod>2012-01-13T20:45:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/12/low-priced-rival-pushes-to-take-over-frances-mobile-phone-market/</loc><lastmod>2012-01-12T14:52:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/12/nokia-store-getting-11-nillion-downloads-daily/</loc><lastmod>2012-01-12T14:46:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/11/was-intel-caught-faking-demo-at-press-conference-during-ces/</loc><lastmod>2012-01-11T14:52:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/11/maker-of-twinkies-wonder-bread-files-for-bankruptcy/</loc><lastmod>2012-01-11T14:34:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/10/2012-international-ces-exhibit-hours/</loc><lastmod>2012-01-11T01:28:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/09/ces-2012-update-connected-appliances/</loc><lastmod>2012-01-09T15:31:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/15/facebookfans/</loc><lastmod>2012-01-09T06:08:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/08/quote-of-the-day-to-avoid-criticism-do-nothing-say-nothing-be-nothing/</loc><lastmod>2012-01-08T23:02:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/05/a-new-tweet-record-6939-tweets-per-second/</loc><lastmod>2012-01-05T16:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/04/netflixs-20-million-subscribers-watched-2-billion-hours-of-tv-and-movies-in-3-months/</loc><lastmod>2012-01-05T03:08:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/03/hsbc-renews-private-label-card-contracts-with-retailers/</loc><lastmod>2012-01-03T19:32:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2012/01/02/samuel-j-palmisano-on-ibm/</loc><lastmod>2012-01-02T11:24:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/31/christmaseducate/</loc><lastmod>2012-01-01T20:27:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/28/ge-capital-to-acquire-metlifes-u-s-retail-deposit-business/</loc><lastmod>2011-12-28T18:05:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/22/why-companies-love-hip-office-spaces/</loc><lastmod>2011-12-22T21:18:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/22/barneys-new-york-teams-with-micros-retail-for-mobile-pos/</loc><lastmod>2011-12-22T18:23:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/22/interview-with-president-clinton/</loc><lastmod>2011-12-22T16:56:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/21/number-of-android-activations-hits-700000-per-day/</loc><lastmod>2011-12-22T00:37:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/21/microsoft-nokia-and-amazon-said-to-mull-rim-bids/</loc><lastmod>2011-12-21T15:55:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/20/happy-holidays-from-all-of-us/</loc><lastmod>2011-12-20T19:45:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/12/our-2012-top-10-favorite-bbq-joint-all-stars/</loc><lastmod>2011-12-20T16:16:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/19/saudi-prince-invests-300-million-in-twitter/</loc><lastmod>2011-12-19T17:24:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/18/9-tech-toys-made-obsolete-by-smartphones-in-2011/</loc><lastmod>2011-12-18T08:54:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/15/chevron-to-test-google-wallet-at-west-coast-stations/</loc><lastmod>2011-12-15T11:06:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/14/quote-of-the-day-more-than-3000-people-lost-their-lives-last-year-in-distraction-related-accidents/</loc><lastmod>2011-12-14T11:58:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/14/mobile-payments-start-up-square-hits-1m-merchant-milestone/</loc><lastmod>2011-12-14T10:43:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/14/u-s-safety-board-urges-cellphone-ban-for-drivers/</loc><lastmod>2011-12-14T10:34:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/13/microsoft-replaces-lees-as-head-of-windows-mobile/</loc><lastmod>2011-12-13T18:26:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/13/are-you-expanding-your-business-in-2012-what-are-your-biggest-surprise-predictions-for-business-in-2012/</loc><lastmod>2011-12-13T15:13:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/12/2011-restaurant-industry-predictions-2/</loc><lastmod>2011-12-13T05:23:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/12/social-media-by-the-numbers/</loc><lastmod>2011-12-12T18:19:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/08/i-just-found-16-billion-dollars-to-spend-this-christmas/</loc><lastmod>2011-12-08T17:12:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/08/10-billion-served/</loc><lastmod>2011-12-08T13:46:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/07/verizon-will-not-block-google-wallet-spokesperson-says/</loc><lastmod>2011-12-07T14:29:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/07/jc-penney-buying-38-5m-stake-in-martha-stewart-living/</loc><lastmod>2011-12-07T14:18:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/06/mobile-payments-war-escalates-as-verizon-blocks-google-wallet-on-galaxy-nexus/</loc><lastmod>2011-12-06T11:04:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/welcome/our-history/</loc><lastmod>2011-12-05T19:00:54+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/12/05/cardholders-hang-on-to-hassle-free-credit-cards/</loc><lastmod>2011-12-05T14:28:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/01/circle-k-raises-record-1005198-for-march-of-dimes/</loc><lastmod>2011-12-01T20:14:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/01/quote-of-the-day-ive-been-accused-of-vulgarity-i-say-thats-bullshit/</loc><lastmod>2011-12-01T16:24:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/01/mastercard-makes-its-first-mobile-payments-investment-in-mfoundry/</loc><lastmod>2011-12-01T14:15:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/12/01/unbanked-intuit-merchants-can-accept-credit-cards/</loc><lastmod>2011-12-01T13:21:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/29/western-union-and-mastercard-partner-on-electronic-payments/</loc><lastmod>2011-11-29T22:50:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/29/krispy-kreme-names-kenneth-may-president-coo-absolutely-positively/</loc><lastmod>2011-11-29T22:28:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/27/black-friday-spending-hits-all-time-high/</loc><lastmod>2011-11-28T00:13:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/24/australia-and-new-zealand-banking-group-anz-sells-wing-mobile-payments-business/</loc><lastmod>2011-11-25T00:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/24/couche-tards-fresh-food-strategy-achieves-double-digit-growth/</loc><lastmod>2011-11-24T20:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/22/p-f-changs-to-open-new-concept/</loc><lastmod>2011-11-23T05:06:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/21/debit-card-fee-debacle-could-cost-big-banks-185-billion-in-deposits-next-year/</loc><lastmod>2011-11-22T05:09:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/21/chase-drops-three-new-bank-fees/</loc><lastmod>2011-11-22T05:04:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/21/payment-cardholders-in-nigeria-hit-10-million/</loc><lastmod>2011-11-21T16:57:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/21/swedish-operators-form-m-payments-jv/</loc><lastmod>2011-11-21T16:37:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/team/dan-stiel/</loc><lastmod>2011-11-20T01:34:14+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/11/19/mobile-phones-in-india-preloaded-with-banking-application/</loc><lastmod>2011-11-19T13:07:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/19/owners-of-genghis-grill-acquire-baker-bros-american-deli/</loc><lastmod>2011-11-19T11:40:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/14/verifone-systems-inc-is-acquiring-point-international-for-around-815-million/</loc><lastmod>2011-11-14T15:40:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/11/introducing-the-100-billion-dollar-better-burger/</loc><lastmod>2011-11-11T20:29:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/10/visa-to-shift-fraud-liability-from-banks-to-merchants/</loc><lastmod>2011-11-10T16:58:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/10/quote-of-the-day-its-a-good-first-start/</loc><lastmod>2011-11-10T15:00:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/10/the-near-future-of-mobile-payments/</loc><lastmod>2011-11-10T14:57:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/09/retailers-next-target-all-interchange/</loc><lastmod>2011-11-09T14:57:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/09/walmart-expands-check-card-cashing-services/</loc><lastmod>2011-11-09T14:54:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/08/virgins-branson-invests-in-payment-start-up-square/</loc><lastmod>2011-11-08T16:12:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/07/paypal-expects-to-do-3-5-billion-in-mobile-payments-volume-in-2011/</loc><lastmod>2011-11-08T00:23:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/05/usa-technologies-a-strikes-small-ticket-debit-interchange-deal-with-visa/</loc><lastmod>2011-11-05T18:30:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/04/free-iphone-offers/</loc><lastmod>2011-11-05T05:53:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/04/generation-app-62-of-mobile-users-25-34-own-smartphones/</loc><lastmod>2011-11-04T20:26:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/03/im-yawning-already-daylight-saving-time-ends-this-weekend/</loc><lastmod>2011-11-03T16:37:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/01/quote-of-the-day-we-heard-you/</loc><lastmod>2011-11-02T01:49:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/01/bank-of-america-abandons-5-debit-card-fee/</loc><lastmod>2011-11-01T18:16:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/01/40-of-merchants-need-to-be-equipped-for-contactless-payments-to-take-off/</loc><lastmod>2011-11-01T16:39:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/11/01/wal-mart-expands-prepaid-card-products-through-green-dot/</loc><lastmod>2011-11-01T15:25:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/31/suntrust-bank-and-regions-bank-abandon-plans-to-charge-customers-a-fee-for-using-their-debit-cards/</loc><lastmod>2011-11-01T10:46:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/31/quote-of-the-day-never-draw-anything-you-can-copy-never-copy-anything-you-can-trace-never-trace-anything-you-c-an-cut/</loc><lastmod>2011-10-31T19:25:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/31/mobile-payments-for-physical-goods-to-exceed-170bn-globally-by-2015/</loc><lastmod>2011-10-31T18:00:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/31/neiman-marcus-to-accept-visa-and-mastercard/</loc><lastmod>2011-10-31T17:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/31/apriva-wallet-targets-isos-with-mobile-payments/</loc><lastmod>2011-10-31T15:52:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/30/quote-of-the-day-bank-of-america-drove-more-members-into-our-branches-than-i-ever-could/</loc><lastmod>2011-10-30T23:55:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/27/the-wireless-wallet-revolution-or-pointless-gizmo/</loc><lastmod>2011-10-27T16:28:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/26/nokia-unveils-its-first-windows-phones-the-lumia-800-and-710/</loc><lastmod>2011-10-26T14:18:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/24/quote-of-the-day-we-dont-currently-believe-that-nfc-as-a-payment-technology-is-likely-to-improve-either-the-merchan-ts-experience-or-the-buyers-experience/</loc><lastmod>2011-10-24T16:38:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/24/us-bank-not-charge-customers-for-debit-card-usage/</loc><lastmod>2011-10-24T15:50:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/23/apple-ipod-turns-ten-years-today/</loc><lastmod>2011-10-23T20:46:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/21/samsung-is-the-worlds-largest-smartphone-vendor/</loc><lastmod>2011-10-21T16:13:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/20/google-says-pseudonyms-brand-pages-are-coming-this-year/</loc><lastmod>2011-10-20T18:40:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/19/foreclosure-activity-jumps-in-third-quarter-ending-lengthy-slumber/</loc><lastmod>2011-10-19T22:08:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/19/paypal-increases-mobile-payment-forecast/</loc><lastmod>2011-10-19T13:46:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/17/rim-offers-12-free-apps-following-three-day-blackberry-outage/</loc><lastmod>2011-10-18T00:27:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/16/online-banking-powerful-retention-tool/</loc><lastmod>2011-10-16T12:14:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/15/pci-security-standards-council-updates-pts-program-for-encryption-mobile/</loc><lastmod>2011-10-15T14:27:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/14/a-decade-of-difference/</loc><lastmod>2011-10-14T22:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/14/paypal-plans-to-issue-debit-cards-for-pos-use-starting-first-half-of-2012/</loc><lastmod>2011-10-14T17:09:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/14/verizon-wireless-changes-privacy-policy-to-track-its-subscribers-web-browsing-location-and-app-usage-habits/</loc><lastmod>2011-10-14T13:57:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/10/square-is-now-processing-more-than-2-billion-a-year-on-an-annualized-basis-has-authorized-800000-merchants/</loc><lastmod>2011-10-10T18:29:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/07/mastercard-to-equip-subway-restaurants-for-mobile-payments/</loc><lastmod>2011-10-07T18:52:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/05/apple-says-company-co-founder-steve-jobs-has-died/</loc><lastmod>2011-10-05T23:45:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/05/join-us-at-the-hollywood-bowl-for-a-decade-of-difference-concert/</loc><lastmod>2011-10-05T18:41:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/04/quote-of-the-day-my-focus-was-to-think-ok-im-not-going-to-have-the-most-friends-be-prom-king-or-the-most-popular-student-but-so-what/</loc><lastmod>2011-10-04T15:38:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/04/officemax-delivers-faster-in-store-experience-with-google-wallet/</loc><lastmod>2011-10-04T11:43:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/03/retailers-look-to-pass-swipe-fee-savings-to-customers/</loc><lastmod>2011-10-03T17:21:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/03/21-years-ago-west-germany-and-east-germany-ended-45-years-of-postwar-division/</loc><lastmod>2011-10-03T14:41:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/10/01/gain-a-penny-lose-a-dime/</loc><lastmod>2011-10-01T14:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/30/no-plastic-needed-consumers-and-the-future-of-mobile-payments/</loc><lastmod>2011-10-01T06:58:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/31/a-simple-step-to-solve-the-housing-mess/</loc><lastmod>2011-09-30T06:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/08/self-serve-checkout-strikes-out-in-grocery-channel/</loc><lastmod>2011-09-30T06:40:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/17/mastercard-will-recruit-multiple-issuers-for-delta-debit-card/</loc><lastmod>2011-09-30T06:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/06/come-check-out-the-red-bull-f1-race-car-in-our-lobby-today-only-20-pacifica-in-irvine/</loc><lastmod>2011-09-30T06:34:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/27/rim-shares-jump-amid-rumors-of-icahn-stake/</loc><lastmod>2011-09-30T06:28:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/29/boa-to-instate-5-monthly-fee-for-debit-card-purchases/</loc><lastmod>2011-09-29T23:46:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/29/do-you-remember-when-you-should-have-said-yes-to-a-serious-buyer/</loc><lastmod>2011-09-29T15:34:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/team/dan-stiel/writings/</loc><lastmod>2011-09-29T06:30:15+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/09/28/blackberry-playbook-headed-for-a-fire-sale/</loc><lastmod>2011-09-29T06:20:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/26/organized-retail-theft-costs-conumers-400-per-household-annually/</loc><lastmod>2011-09-26T17:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/26/mastercard-visa-may-raise-fees-on-small-debit-card-purchases/</loc><lastmod>2011-09-26T17:24:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/26/google-wallet-now-available-for-consumers/</loc><lastmod>2011-09-26T14:56:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/26/netspend-expands-distribution-partnership-with-blackhawk-network/</loc><lastmod>2011-09-26T13:41:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/23/gartner-android-makes-modest-headway-against-ipad-juggernaut/</loc><lastmod>2011-09-23T17:56:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/23/roscoes-house-of-chicken-n-waffles-l-a-s-best-fried-chicken/</loc><lastmod>2011-09-23T12:45:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/23/visa-mastercard-fee-increase-will-kill-the-economics-for-small-ticket-debit-purchases/</loc><lastmod>2011-09-23T12:00:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/22/credit-card-debt-on-the-rise-again/</loc><lastmod>2011-09-23T01:06:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/22/yum-to-sell-long-john-silvers-aw-to-franchisees/</loc><lastmod>2011-09-23T00:41:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/22/conocophillips-will-pass-debit-card-rate-savings-to-its-customers/</loc><lastmod>2011-09-22T20:24:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/22/forbes-bofa-coaxes-customers-away-from-debit-cards-to-lessen-fee-cap-impact/</loc><lastmod>2011-09-22T14:56:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/21/productcamp-2011/</loc><lastmod>2011-09-21T14:36:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/20/quote-of-the-day-the-ability-to-use-h-o-v-lanes-is-a-very-good-marketing-tool-for-toyota/</loc><lastmod>2011-09-20T21:52:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/20/study-restaurant-traffic-declines/</loc><lastmod>2011-09-20T17:12:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/20/ebays-online-outlet-mall-opens/</loc><lastmod>2011-09-20T17:11:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/19/google-wallet-to-launch-today/</loc><lastmod>2011-09-19T23:52:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/19/10000-small-businesses-at-long-beach-community-college-district/</loc><lastmod>2011-09-19T11:33:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/19/4-million-downloads-per-day-from-blackberry-app-world/</loc><lastmod>2011-09-19T11:24:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/16/rim-announced-results-for-the-quarter-ending-august-27-2011/</loc><lastmod>2011-09-16T14:26:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/15/american-express-co-axp-is-looking-at-large-mobile-payments-acquisitions/</loc><lastmod>2011-09-15T23:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/15/mortgage-defaults-soar-33-biggest-monthly-gain-in-4-years/</loc><lastmod>2011-09-15T19:23:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/14/innovation-ended-in-the-1970s-paypal-founders-say/</loc><lastmod>2011-09-15T06:31:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/14/mobile-payments-to-overtake-cards-within-ten-years/</loc><lastmod>2011-09-15T06:31:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/14/quote-of-the-day-innovation-in-this-country-is-somewhere-between-dire-straits-and-dead-max-levchin-co-found-er-of-paypal/</loc><lastmod>2011-09-15T06:31:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/14/ryanair-launches-own-prepay-card-as-only-way-for-customers-to-avoid-fee/</loc><lastmod>2011-09-14T16:12:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/13/nielsen-report-documents-dominance-of-social-media/</loc><lastmod>2011-09-13T23:10:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/welcome/</loc><lastmod>2011-09-11T20:34:10+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/09/11/happy-birthday-california-on-september-10th-1850-california-became-the-31st-state-admitted-to-the-union/</loc><lastmod>2011-09-11T18:55:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/09/check-out-our-latest-youtube-video/</loc><lastmod>2011-09-10T01:58:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/08/wal-mart-is-mapping-the-social-genome/</loc><lastmod>2011-09-08T18:06:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/08/changes-take-hold-in-san-franciscos-mid-market-as-twitter-to-move-in/</loc><lastmod>2011-09-08T16:28:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/07/what-exactly-is-a-mobile-payment-hint-answer-below/</loc><lastmod>2011-09-07T22:04:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/07/success-is-a-confidence-game/</loc><lastmod>2011-09-07T13:06:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/07/jeff-immelts-way-of-getting-your-attention/</loc><lastmod>2011-09-07T13:03:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/07/the-most-popular-mega-large-and-quick-refreshment-chains/</loc><lastmod>2011-09-07T12:56:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/06/credit-card-company-uses-webcams-to-read-credit-cards/</loc><lastmod>2011-09-07T02:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/06/quote-of-the-day-money-may-not-buy-happiness-but-it-can-damn-well-give-it-freddie-mercury/</loc><lastmod>2011-09-06T23:29:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/06/now-is-the-time-to-revive-home-economics/</loc><lastmod>2011-09-06T14:06:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/05/postal-service-is-nearing-default-as-losses-mount/</loc><lastmod>2011-09-05T10:47:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/02/u-s-government-sues-17-banks-including-bank-of-america-citi-goldman-sachs-over-risky-mortgages/</loc><lastmod>2011-09-02T21:25:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/02/remember-when-mom-told-you-if-you-didnt-have-anything-nice-to-say-about-someone/</loc><lastmod>2011-09-02T15:59:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/02/news-alert-unemployment-rate-holds-steady-at-9-1-percent/</loc><lastmod>2011-09-02T12:53:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/htcs-mango-phones-titan-and-radar-out-next-month/</loc><lastmod>2011-09-01T22:33:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/bank-of-america-plans-to-jettison-countrywide/</loc><lastmod>2011-09-01T21:43:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/40-percent-of-u-s-mobile-users-own-smartphones-40-percent-are-android/</loc><lastmod>2011-09-01T18:56:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/samsung-unveils-hybrid-phone-tablet-device-new-galaxy-tab/</loc><lastmod>2011-09-01T17:49:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/quote-of-the-day-i-dont-want-it-to-sound-like-everyone-in-this-business-is-a-crook-because-they-are-not/</loc><lastmod>2011-09-01T12:45:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/09/01/restaurant-operators-outlook-dimmed-in-july/</loc><lastmod>2011-09-01T12:37:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/31/study-negative-reviews-can-have-big-impact/</loc><lastmod>2011-08-31T20:06:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/31/obama-administration-seeks-to-block-atts-acquisition-of-t-mobile/</loc><lastmod>2011-08-31T15:15:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/31/apple-releases-beta-version-of-cloud-music-service-to-developers/</loc><lastmod>2011-08-31T15:08:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/31/green-dot-hires-eric-duehring-as-general-manager-of-green-dot-cards/</loc><lastmod>2011-08-31T13:19:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/31/credit-card-issuers-aiming-to-switch-signature-debit-users/</loc><lastmod>2011-08-31T12:05:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/30/mobile-payments-market-is-in-flux-as-north-america-catches-up/</loc><lastmod>2011-08-30T18:56:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/30/ncrs-acquisition-of-radiant-should-spur-growth-analyst-says/</loc><lastmod>2011-08-30T12:10:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/30/nokia-symbian-nfc-phones-to-support-mobile-payments-in-2012/</loc><lastmod>2011-08-30T11:31:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/29/isis-reportedly-a-100-million-venture/</loc><lastmod>2011-08-30T02:19:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/29/wal-marts-vudu-defies-expectations/</loc><lastmod>2011-08-29T17:36:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/29/intuit-targets-small-business-users-with-verizon-connection-for-gopayment/</loc><lastmod>2011-08-29T16:57:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/26/roam-data-secure-swipers-distributed-with-intuit-gopayment-in-verizon-retail-stores/</loc><lastmod>2011-08-26T22:58:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/26/boku-brings-carrier-billing-to-32-million-in-france/</loc><lastmod>2011-08-26T22:53:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/25/quote-of-the-day-alcohol-is-a-very-necessary-article-it-enables-parliament-to-do-things-at-eleven-at-night-that-no-sane-person-would-do-at-eleven-in-the-morning/</loc><lastmod>2011-08-26T03:51:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/25/report-apple-stores-are-the-clear-leader-in-sales-per-square-foot/</loc><lastmod>2011-08-25T17:06:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/24/steve-jobs-resigns-from-apple/</loc><lastmod>2011-08-24T23:32:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/24/walmart-cancels-wine-kiosk-deal/</loc><lastmod>2011-08-24T20:34:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/24/smashburger-ranks-no-99-on-the-inc-500/</loc><lastmod>2011-08-24T15:58:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/24/sprint-nextel-to-offer-iphone-5-in-october/</loc><lastmod>2011-08-24T14:42:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/22/mobile-payment-software-technology-providers-welcome-visas-chip-initiative/</loc><lastmod>2011-08-22T17:43:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/22/irs-says-no-merchant-fees-for-1099-k-reporting-whos-listening/</loc><lastmod>2011-08-22T16:36:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/19/mobile-apps-beat-the-mobile-web-among-us-android-smartphone-users/</loc><lastmod>2011-08-19T18:27:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/19/todays-generation-of-young-people-holds-more-power-than-any-generation-before-it-to-make-a-positive-impact-on-the-wo-rld-bill-clinton/</loc><lastmod>2011-08-19T14:46:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/19/quote-of-the-day-being-president-is-like-running-a-cemetery-youve-got-a-lot-of-people-under-you-and-nobodys-liste-ning-bill-clinton/</loc><lastmod>2011-08-19T14:36:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/19/reports-bank-of-america-to-cut-10000-or-more-jobs/</loc><lastmod>2011-08-19T08:47:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/18/germany-mobile-payments-alliance-would-bypass-banks/</loc><lastmod>2011-08-18T19:37:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/17/wells-fargo-implements-3-monthly-fee-for-debit-cards/</loc><lastmod>2011-08-17T17:36:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/17/lucas-mast-has-joined-visa/</loc><lastmod>2011-08-17T15:46:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/17/top-10-mobile-apps-2012/</loc><lastmod>2011-08-17T07:13:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/16/century-21-sees-mobile-as-a-way-forward-in-real-estate/</loc><lastmod>2011-08-17T03:30:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/16/quote-of-the-day-ambition-is-a-dream-with-a-v8-engine-elvis-presley-january-8-1935-august-16-1977/</loc><lastmod>2011-08-16T22:32:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/16/wireless-mobile-payments-to-reach-85-of-pos-terminals-by-2016/</loc><lastmod>2011-08-16T19:26:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/16/tableside-pos-is-a-game-changer/</loc><lastmod>2011-08-16T13:25:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/15/google-to-acquire-wireless-phone-maker-motorola-mobility-for-12-5b/</loc><lastmod>2011-08-15T13:20:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/15/mobile-payment-volume-expected-to-reach-150-billion-by-year-end/</loc><lastmod>2011-08-15T13:09:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/13/quote-of-the-day-by-encouraging-investments-in-emv-contact-and-contactless-chip-technology-we-will-speed-up-the-adoption-of-mobile-payments/</loc><lastmod>2011-08-13T15:38:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/12/nordstrom-earnings-call-highlights/</loc><lastmod>2011-08-12T21:06:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/12/quote-of-the-day-corporations-are-people-my-friend/</loc><lastmod>2011-08-12T13:45:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/10/capital-one-to-buy-hsbc-us-credit-card-armassociated-press-reports-that/</loc><lastmod>2011-08-12T04:23:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/09/visa-pushing-new-card-technology/</loc><lastmod>2011-08-10T03:29:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/08/global-smartphone-shipments-will-reach-one-billion-annually/</loc><lastmod>2011-08-08T22:39:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/06/quote-of-the-day-id-rather-regret-the-things-ive-done-than-regret-the-things-i-havent-done-lucille-ball/</loc><lastmod>2011-08-06T21:44:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/05/real-rich-guys-dont-wear-armani/</loc><lastmod>2011-08-06T13:46:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/05/sp-downgrades-u-s-debt-for-first-time-in-history/</loc><lastmod>2011-08-06T04:42:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/05/shunning-participation-fees-mastercard-will-engage-debit-issuers-one-by-one/</loc><lastmod>2011-08-05T18:44:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/05/walmart-teams-with-ticketmaster-for-nationwide-kiosk-deployment/</loc><lastmod>2011-08-05T13:20:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/05/best-buy-express-expands-to-disney-college-campuses/</loc><lastmod>2011-08-05T13:15:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/04/twitter-gets-800-million/</loc><lastmod>2011-08-04T22:30:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/04/indias-largest-financial-lender-and-ge-capital-to-issue-emv-cards/</loc><lastmod>2011-08-04T19:59:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/04/square-usage-by-device/</loc><lastmod>2011-08-04T16:21:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/04/square-now-processing-4-million-per-day/</loc><lastmod>2011-08-04T16:07:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/03/whats-the-difference-between-and-iso-and-an-msp/</loc><lastmod>2011-08-04T13:49:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/03/predicting-bubbles-and-crashes/</loc><lastmod>2011-08-03T12:34:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/02/foursquare-to-start-charging-merchants/</loc><lastmod>2011-08-02T15:03:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/08/01/heartland-payment-systems-inc-announces-new-durbin-dollars-initiative/</loc><lastmod>2011-08-01T14:02:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/31/obama-announces-that-democrats-and-republicans-have-reached-debt-agreement/</loc><lastmod>2011-08-01T05:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/31/the-world-has-5-3-billion-mob77-percent-of-the-world-population-use-mobile-phones/</loc><lastmod>2011-08-01T04:50:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/31/mobile-payments-mainstream-in-4-years-kpmg-study/</loc><lastmod>2011-08-01T04:45:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/31/quote-of-the-day-rumors-are-like-songbirds-they-sound-filling-but-make-a-poor-feast/</loc><lastmod>2011-07-31T21:58:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/30/efforts-to-avoid-federal-default-stall-in-congress/</loc><lastmod>2011-07-30T20:09:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/30/quote-of-the-day-i-cannot-give-you-the-formula-for-success-but-i-can-give-you-the-formula-for-failure-which-is-try-to-please-everybody/</loc><lastmod>2011-07-30T11:08:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/29/quote-of-the-day-theyre-acting-like-6-year-olds/</loc><lastmod>2011-07-29T21:29:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/28/breakup-of-big-banks-now-seems-feasible/</loc><lastmod>2011-07-28T15:25:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/27/get-the-most-out-of-google/</loc><lastmod>2011-07-27T16:28:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/services/new-media/</loc><lastmod>2011-07-27T12:52:57+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/07/26/seattles-best-closes-248-in-store-borders-outlets/</loc><lastmod>2011-07-26T13:57:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/26/payment-executives-believe-mobile-could-become-mainstream-in-3-years/</loc><lastmod>2011-07-26T13:09:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/26/imag-credit-card-reader-for-apple-iphone-and-ipod-touch/</loc><lastmod>2011-07-26T10:41:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/25/museum-day-annual-event-hosted-by-smithsonian-magazine/</loc><lastmod>2011-07-25T13:33:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/25/quote-of-the-day-you-cannot-succeed-if-you-dont-help-society-around-you-to-have-a-better-life/</loc><lastmod>2011-07-25T13:19:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/25/what-can-western-bosses-learn-from-indias-executives/</loc><lastmod>2011-07-25T12:56:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/how-to-connect-a-focuspay-certified-printer-using-bluetooth/</loc><lastmod>2011-07-22T22:52:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/nielsen-signs-us-cooperation-agreement-with-walmart/</loc><lastmod>2011-07-22T18:26:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/hypercom-pulls-plug-on-smartpayments-software-amid-security-flaws/</loc><lastmod>2011-07-22T16:50:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/when-and-why-should-you-fire-a-high-performing-sales-rep/</loc><lastmod>2011-07-22T15:25:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/why-ceos-should-be-product-guys/</loc><lastmod>2011-07-22T13:42:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/mobile-payment-users-to-exceed-141-million-by-yearend-gartner-estimates/</loc><lastmod>2011-07-22T13:28:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/22/google-rolls-out-cobranded-credit-card-to-small-business-advertisers/</loc><lastmod>2011-07-22T13:26:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/21/turn-your-android-phone-into-a-portable-credit-card-terminal/</loc><lastmod>2011-07-21T22:49:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/21/turn-your-mobile-phone-into-a-portable-credit-card-terminal/</loc><lastmod>2011-07-21T21:48:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/20/whos-the-better-manager-kirk-or-spock/</loc><lastmod>2011-07-21T02:45:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/20/thorntons-salutes-hot-dogs/</loc><lastmod>2011-07-20T23:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/20/cheap-android-phones-are-popular-in-asia/</loc><lastmod>2011-07-20T18:34:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/quote-of-the-day-if-were-free-to-dare/</loc><lastmod>2011-07-20T02:26:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/when-life-gives-you-apple-make-pie/</loc><lastmod>2011-07-20T02:18:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/isis-payment-venture-signs-deals-with-visa-mastercard-2/</loc><lastmod>2011-07-19T23:25:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/isis-payment-venture-signs-deals-with-visa-mastercard/</loc><lastmod>2011-07-19T23:21:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/antitrust-settlement-sets-new-restrictions-for-visa-mastercard/</loc><lastmod>2011-07-19T12:37:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/19/metabank-to-repay-borrowers-4-8m-under-regulatory-order/</loc><lastmod>2011-07-19T12:33:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/17/college-earn-83-million-from-alumni-credit-card-programs-in-2009/</loc><lastmod>2011-07-18T14:57:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/18/android-market-hits-6-billion-download-milestone/</loc><lastmod>2011-07-18T13:28:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/17/vote-for-the-2011-americas-favorite-farmers-marketst-contest/</loc><lastmod>2011-07-18T05:21:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/17/accept-credit-cards-anywhere-with-mobile-point-of-sale-apps/</loc><lastmod>2011-07-17T19:38:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/17/merchants-discovering-mobile-point-of-sale-systems/</loc><lastmod>2011-07-17T17:25:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/17/estimated-125-million-iphones-sold/</loc><lastmod>2011-07-17T14:05:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/16/quote-of-the-day-interest-among-consumers-in-utilizing-mobile-payments-i-s-growing/</loc><lastmod>2011-07-17T06:11:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/16/credit-card-marketing-is-sizzling/</loc><lastmod>2011-07-17T05:00:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/16/how-unbanks-are-changing-the-way-you-manage-your-money/</loc><lastmod>2011-07-17T04:53:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/16/the-rise-of-mobile-payments/</loc><lastmod>2011-07-17T04:44:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/15/your-open-invitation-to-join-google-is-here-just-like-our-facebook-page-2/</loc><lastmod>2011-07-16T05:49:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/15/your-open-invitation-to-join-google-is-here-just-like-our-facebook-page/</loc><lastmod>2011-07-16T05:45:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/15/android-activates-500000-handsets-daily/</loc><lastmod>2011-07-15T14:12:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/15/cumberland-farms-rolls-out-mobile-cash-card/</loc><lastmod>2011-07-15T13:52:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/14/sony-has-high-hopes-for-new-tablet/</loc><lastmod>2011-07-14T17:33:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/14/microsoft-to-add-75-retail-stores-aims-to-go-toe-to-toe-with-apple/</loc><lastmod>2011-07-14T17:30:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/14/conocophillips-splitting-upstream-downstream-businesses/</loc><lastmod>2011-07-14T15:28:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/13/redfin-network-inc-reports-record-sales-forthe-second-quarter-of-2011/</loc><lastmod>2011-07-13T18:13:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/13/electronic-arts-buys-popcap-in-1-3bn-deal/</loc><lastmod>2011-07-13T11:10:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/13/a-tribute-to-sherwood-schwartz-2/</loc><lastmod>2011-07-13T10:58:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/12/ncr-looking-into-sale-of-blockbuster-express-kiosks/</loc><lastmod>2011-07-13T05:08:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/12/imaging-scanners-to-impact-the-point-of-sale/</loc><lastmod>2011-07-12T15:34:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/12/ncr-to-acquire-radiant-systems/</loc><lastmod>2011-07-12T15:24:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/11/tempo-payments-inc-will-cease-operations-on-july-15/</loc><lastmod>2011-07-11T10:52:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/08/as-fed-debit-rule-sinks-in-merchant-class-action-grinds-toward-trial/</loc><lastmod>2011-07-08T16:24:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/08/quote-of-the-day-usaas-survey-found-that-members-favored-free-checking-and-atm-fee-refunds-over-debit-card-rewards/</loc><lastmod>2011-07-08T13:04:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/07/apples-app-store-has-passed-15-billion-downloaded-apps/</loc><lastmod>2011-07-08T03:50:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/team/dan-stiel/743-2/</loc><lastmod>2011-07-06T15:15:33+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/team/dan-stiel/perspective/</loc><lastmod>2011-07-06T15:13:15+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/07/05/500000-android-phones-bought-daily-worldwide/</loc><lastmod>2011-07-05T21:32:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/05/lost-innovation-why-knowledge-workers-get-deflated/</loc><lastmod>2011-07-05T13:42:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/05/are-your-workers-in-revolt/</loc><lastmod>2011-07-05T13:35:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/30/bank-of-america-the-trailblazer/</loc><lastmod>2011-07-04T13:11:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/24/pci_mobile/</loc><lastmod>2011-07-04T13:08:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/29/private-equity-group-to-buy-bjs-for-2-8-billion/</loc><lastmod>2011-07-04T13:08:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/04/19/why-go-green/</loc><lastmod>2011-07-04T13:07:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/04/25/will-justenjoy-com-change-the-way-we-dine-out/</loc><lastmod>2011-07-04T13:07:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/05/mobile-marketing-and-self-serve-ordering-applications/</loc><lastmod>2011-07-04T13:07:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/05/papa-johns-first-to-hit-2-billion-for-online-orders/</loc><lastmod>2011-07-04T13:07:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/08/best-practices-in-mobile-self-ordering-and-payments/</loc><lastmod>2011-07-04T13:07:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/14/location-based-mobile-spending-overall-will-reach-4-billion-by-2015/</loc><lastmod>2011-07-04T13:07:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/19/national-restaurant-assn-show-this-weekend/</loc><lastmod>2011-07-04T13:07:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/05/20/how-to-build-mobile-messaging-lists/</loc><lastmod>2011-07-04T13:07:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/06/07/pepsico-foodservice-launches-mobile-loyalty-iphone-application-to-reward-beverage-consumption/</loc><lastmod>2011-07-04T13:07:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/06/07/hungry-for-mobile-commerce-restaurants-are-embracing-mobile-ordering-and-payment/</loc><lastmod>2011-07-04T13:07:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/06/19/pepsico-foodservice-launches-mobile-loyalty-iphone-application-to-reward-beverage-consumption-2/</loc><lastmod>2011-07-04T13:07:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/restaurant-chains-check-out-just-enjoy-to-check-in-with-customers/</loc><lastmod>2011-07-04T13:07:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/radiant-aloha-to-launch-mobile-and-web-ordering-program-for-restaurants/</loc><lastmod>2011-07-04T13:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/phils-bbq-goes-mobile-with-new-ordering-app-for-apple-iphone-android-blackberry/</loc><lastmod>2011-07-04T13:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/just-enjoy-debuts-updated-mobile-food-ordering-app-for-stadiums/</loc><lastmod>2011-07-04T13:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/28/just-enjoy-land-new-mobile-ordering-clients/</loc><lastmod>2011-07-04T13:07:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/02/contactless-payments-uptake-shocking-and-welcome-says-2005-abi-research/</loc><lastmod>2011-07-02T14:38:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/07/01/think-computer-ends-mobile-payments-in-california/</loc><lastmod>2011-07-01T13:20:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/13/sharper-image-seeks-to-reimburse-gift-card-holders/</loc><lastmod>2011-06-29T22:21:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/14/senator-durbin-assails-mastercard-visa-price-fixing/</loc><lastmod>2011-06-29T22:21:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/14/sources-stp-returning-big-to-nascar-tracks-with-sponsorships/</loc><lastmod>2011-06-29T22:21:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/14/wal-mart-to-cut-electronics-space-in-favor-of-clothing/</loc><lastmod>2011-06-29T22:21:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/15/app-downloads-surpass-music-downloads-at-apple-itunes/</loc><lastmod>2011-06-29T22:21:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/15/mastercard-leaves-debit-interchange-unchanged-with-its-new-pricing-schedule/</loc><lastmod>2011-06-29T22:21:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/15/new-mobile-marketing-and-technology-group-on-linkedin/</loc><lastmod>2011-06-29T22:21:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/16/sweet/</loc><lastmod>2011-06-29T22:21:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/18/hurry-up-tcf-seeks-expedited-appeal-in-bid-to-halt-feds-debit-rule/</loc><lastmod>2011-06-29T22:21:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/19/citis-branded-card-operation-posts-864-million-q1-profit/</loc><lastmod>2011-06-29T22:21:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/19/terminator-2-predicted-it-would-happen-today-april-19-2011/</loc><lastmod>2011-06-29T22:21:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/20/apple-to-ship-new-iphone-5-in-september/</loc><lastmod>2011-06-29T22:21:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/20/t-mobile-launches-facebook-calls/</loc><lastmod>2011-06-29T22:20:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/20/pros-and-cons-of-the-5-most-popular-mobile-banking-apps-in-the-u-s/</loc><lastmod>2011-06-29T22:20:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/20/square-goes-retail/</loc><lastmod>2011-06-29T22:20:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/21/wal-mart-buys-social-media-start-up-kosmix-for-300-million/</loc><lastmod>2011-06-29T22:20:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/21/android-vs-apple-the-winner-is/</loc><lastmod>2011-06-29T22:20:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/21/bank-holiday-debit-day-delayed/</loc><lastmod>2011-06-29T22:20:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/21/one-in-five-credit-card-holders-access-accounts-via-mobile/</loc><lastmod>2011-06-29T22:20:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/25/green-dot-targets-government-payments-for-growth-profits/</loc><lastmod>2011-06-29T22:20:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/25/dont-just-sit-there-take-a-chance-make-an-impact-and-some-money/</loc><lastmod>2011-06-29T22:20:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/25/thought-for-the-day-economics/</loc><lastmod>2011-06-29T22:20:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/26/quote-of-the-day-10/</loc><lastmod>2011-06-29T22:20:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/27/visa-invests-in-mobile-payment-company-square/</loc><lastmod>2011-06-29T22:20:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/28/visa-releases-guidelines-to-make-mobile-payments-more-secure-mobile-commerce-daily/</loc><lastmod>2011-06-29T22:20:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/29/credit-card-companies-that-prey-on-merchants-ignorance-must-go-square-exec-warns/</loc><lastmod>2011-06-29T22:20:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/29/quote-of-the-day-jim-mckelvey-co-founder-of-square/</loc><lastmod>2011-06-29T22:19:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/04/teaser-rates-are-dead-long-live-the-teaser-rate/</loc><lastmod>2011-06-29T22:19:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/05/dominos-now-accepts-credit-card-for-delivery-in-india/</loc><lastmod>2011-06-29T22:19:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/05/retailers-earn-big-payoff-from-retail-rewards-programs/</loc><lastmod>2011-06-29T22:19:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/06/merchants-will-still-accept-small-issuer-debit-cards-post-durbin-merchants-promise/</loc><lastmod>2011-06-29T22:19:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/09/study-credit-costs-skyrocket-for-many-entrepreneurs/</loc><lastmod>2011-06-29T22:19:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/13/breaking-news-justice-department-files-antitrust-lawsuit-to-stop-verifone-from-buying-hypercom-and-entering-into-anticompetitive-divestiture-agreement-with-ingenico/</loc><lastmod>2011-06-29T22:19:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/13/ashton-kutcher-will-replace-charlie-sheen-in-two-and-a-half-men/</loc><lastmod>2011-06-29T22:19:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/13/visa-inc-announced-plans-to-offer-merchants-a-more-streamlined-connection-to-visas-global-network/</loc><lastmod>2011-06-29T22:19:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/14/facebook-hired-burson-marsteller-to-push-negative-campaign-about-google-social-circle/</loc><lastmod>2011-06-29T22:19:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/17/mbna-rolls-out-uks-first-amex-contactless-credit-cards/</loc><lastmod>2011-06-29T22:19:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/17/walmart-gets-a-boost-from-sams-club/</loc><lastmod>2011-06-29T22:19:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/19/national-retail-federation-launches-major-60-day-advocacy-campaign-to-preserve-swipe-fee-reform/</loc><lastmod>2011-06-29T22:19:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/22/decreasing-costs-driving-adoption-of-wireless-pos-terminals/</loc><lastmod>2011-06-29T22:19:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/22/quote-of-the-day-11/</loc><lastmod>2011-06-29T22:19:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/23/apple-finally-jumps-on-the-point-of-sale-bandwagon/</loc><lastmod>2011-06-29T22:18:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/23/most-people-ready-to-make-payments-with-their-mobile-phone-says-mastercard/</loc><lastmod>2011-06-29T22:18:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/23/squares-disruptive-new-ipad-payments-service-will-replace-cash-registers/</loc><lastmod>2011-06-29T22:18:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/24/preventive-measures/</loc><lastmod>2011-06-29T22:18:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/27/paypals-mobile-plans-pos-payments-this-year-and-7-5-billion-in-volume-by-2013/</loc><lastmod>2011-06-29T22:18:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/27/verifone-and-micros-first-to-bring-nfc-services-to-the-table/</loc><lastmod>2011-06-29T22:18:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/28/ipad-point-of-sale-for-restaurants-restauranthospitality-pos/</loc><lastmod>2011-06-29T22:18:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/28/players-broaden-chinas-3rd-party-payment-services/</loc><lastmod>2011-06-29T22:18:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/28/top-75-food-retailers-in-north-america/</loc><lastmod>2011-06-29T22:18:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/29/tips-on-securing-your-facebook-account/</loc><lastmod>2011-06-29T22:18:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/05/31/12-ways-to-kill-your-chances-for-venture-capital/</loc><lastmod>2011-06-29T22:18:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/02/chenault-says-amexs-agnostic-serve-is-better-than-google-wallet/</loc><lastmod>2011-06-29T22:18:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/02/minority-users-help-fuel-twitter-growth-study-finds/</loc><lastmod>2011-06-29T22:18:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/02/quote-of-the-day-art-resides-in-the-quality-of-doing-process-is-not-magic/</loc><lastmod>2011-06-29T22:18:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/04/among-mobile-phone-users-hispanics-asians-are-most-likely-smartphone-owners-in-the-u-s-nielsen-wire/</loc><lastmod>2011-06-29T22:18:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/05/quote-of-the-day-we-need-to-out-innovate-out-educate-and-out-build-the-rest-of-the-world/</loc><lastmod>2011-06-29T22:17:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/06/leading-consumer-group-says-durbin-amendment-is-pro-consumer/</loc><lastmod>2011-06-29T22:17:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/06/smartphones-and-tablets-save-small-businesses-more-than-a-billion-hours-and-17-6-billion-a-year/</loc><lastmod>2011-06-29T22:17:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/07/blue-shield-to-return-167-million-to-some-policyholders/</loc><lastmod>2011-06-29T22:17:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/08/mastercard-users-get-25-to-50-gas-cards-with-expedia-hotels-and-packages/</loc><lastmod>2011-06-29T22:17:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/08/senate-votes-down-swipe-fee-reform-delay/</loc><lastmod>2011-06-29T22:17:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/13/couche-tard-buys-322-sites-to-supply-65-more-in-so-california/</loc><lastmod>2011-06-29T22:17:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/14/unlocked-iphone-now-on-sale-starting-649-price-tag-for-16-gb-model/</loc><lastmod>2011-06-29T22:17:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/17/360000-card-accounts-not-200000-were-hacked-citi-says/</loc><lastmod>2011-06-29T22:17:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/17/heartland-says-small-merchants-will-save-2000-from-debit-fee-cuts/</loc><lastmod>2011-06-29T22:17:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/20/feds-debit-cap-discriminatory-argues-tcf-bank/</loc><lastmod>2011-06-29T22:17:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/20/competition-from-amex-and-banks-pressuring-prepaid-companies/</loc><lastmod>2011-06-29T22:17:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/24/3-billion-in-mobile-payments-for-paypal-this-year/</loc><lastmod>2011-06-29T22:17:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/24/study-non-computer-web-traffic-is-on-the-rise/</loc><lastmod>2011-06-29T22:17:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/26/thought-of-the-day-invest-in-innovation/</loc><lastmod>2011-06-29T22:16:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/06/27/foursquare-adds-50-million-in-ffunding/</loc><lastmod>2011-06-29T22:16:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/10/welcome-to-stiel-direct/</loc><lastmod>2011-05-07T14:51:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/12/merchants-need-more-than-incentives-to-adopt-nfc/</loc><lastmod>2011-04-12T18:37:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/11/facebook-and-square-to-make-inroads-on-paypal-business/</loc><lastmod>2011-04-11T18:06:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/10/do-you-know-new-video-from-square/</loc><lastmod>2011-04-10T19:22:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/08/wal-mart-stores-failed-makeover/</loc><lastmod>2011-04-08T14:58:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/08/iphone-is-what-teens-want-says-new-survey/</loc><lastmod>2011-04-08T12:51:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/08/i-think-im-having-a-gene-amdahl-moment/</loc><lastmod>2011-04-08T12:46:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/07/judge-rejects-tcfs-request-to-block-debit-card-fee-reform/</loc><lastmod>2011-04-07T14:17:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/07/isis-expands-mobile-pay-participants-launching-pilot-in-2012/</loc><lastmod>2011-04-07T14:00:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/07/mcdonalds-big-hiring-plans/</loc><lastmod>2011-04-07T12:45:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/04/sprint-also-planning-mobile-payments-service/</loc><lastmod>2011-04-05T02:13:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/04/mobile-payments-a-self-fulfilling-prophecy/</loc><lastmod>2011-04-04T17:52:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/02/vivotech-approaches-verifone-to-acquire-hypercoms-u-s-assets/</loc><lastmod>2011-04-02T15:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/01/debit-rules-not-yet-in-effect-but-banks-cut-rewards/</loc><lastmod>2011-04-01T19:01:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/04/01/samsung-visa-team-up-to-power-mobile-payments-at-2012-olympics/</loc><lastmod>2011-04-01T09:54:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/31/theres-a-tremendous-interest-and-draw-for-mobile-pos-right-now/</loc><lastmod>2011-03-31T21:34:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/31/wal-mart-ceo-warns-of-inflation-ahead-for-u-s-consumers/</loc><lastmod>2011-03-31T19:08:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/31/swipe-reform-moving-forward/</loc><lastmod>2011-03-31T13:09:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/30/bernanke-tells-congress-the-fed-will-miss-april-deadline-on-interchange-rule/</loc><lastmod>2011-03-30T14:14:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/30/cash-strapped-consumers-continue-to-pay-credit-card-accounts-first-transunion/</loc><lastmod>2011-03-30T13:27:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/30/ricky-gervais-guide-to-upsetting-and-alienating-people-and-making-love/</loc><lastmod>2011-03-30T13:12:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/30/lifetime-value-matters/</loc><lastmod>2011-03-30T12:56:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/29/81-of-linkedin-members-own-a-smart-phone/</loc><lastmod>2011-03-29T22:14:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/28/an-open-letter-to-the-payments-industry-competition-vs-verifone-pymnts-com/</loc><lastmod>2011-03-29T14:51:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/28/ukash-launches-iphone-app-to-break-into-u-s-market/</loc><lastmod>2011-03-28T14:04:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/27/the-market-for-mobile-payments/</loc><lastmod>2011-03-28T04:53:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/principles/</loc><lastmod>2011-03-28T04:08:15+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2011/03/26/square-gaining-momentum-despite-verifone-rants/</loc><lastmod>2011-03-26T13:49:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/25/chase-changes-aarp-visa-card-with-travel-rewards-charitable-donations/</loc><lastmod>2011-03-25T15:03:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/25/bernanke-pledges-effort-to-make-durbin-carve-out-work-for-community-banks/</loc><lastmod>2011-03-25T14:58:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/23/how-my-free-subscription-to-architectural-digest-changed-my-thinking-about-digital/</loc><lastmod>2011-03-25T07:06:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/24/walgreen-to-acquire-drugstore-com-for-409-million/</loc><lastmod>2011-03-24T17:19:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/24/bofa-launches-a-new-cobranded-aaa-credit-card/</loc><lastmod>2011-03-24T14:17:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/23/starbucks-card-mobile-a-hit-3-million-have-paid-with-iphone-blackberry/</loc><lastmod>2011-03-23T21:10:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/23/paypal-projects-growth-in-mobile-payments/</loc><lastmod>2011-03-23T16:55:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/23/thorntons-customers-save-5-centsgallon-with-debit-card-pin-in-new-fuel-savings-program/</loc><lastmod>2011-03-23T14:37:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/23/tcf-tells-court-durbin-could-save-merchants-111-25-per-cardholder-as-new-bank-card-rules-are-implemented/</loc><lastmod>2011-03-23T14:32:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/22/cornell-study-finds-quick-service-and-fast-casual-chains-gradually-making-use-of-electronic-ordering/</loc><lastmod>2011-03-22T20:05:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/22/paypals-mobile-payment-transaction-volume-to-top-2-billion-in-2011/</loc><lastmod>2011-03-22T15:37:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/21/jpmorgan-takes-credit-with-t-mobile-deal/</loc><lastmod>2011-03-21T21:28:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/21/study-social-media-makes-inroads-with-the-over-50-set/</loc><lastmod>2011-03-21T18:06:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/21/inside-walmart-on-campus/</loc><lastmod>2011-03-21T14:12:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/20/att-to-acquire-t-mobile/</loc><lastmod>2011-03-20T20:35:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/18/japan-disaster-causes-worry-about-electronics-supply-chain/</loc><lastmod>2011-03-18T17:12:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/18/japanese-banks-atm-cash-withdrawals-and-problems-surge/</loc><lastmod>2011-03-18T13:32:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/17/retailers-distributor-announce-aid-plans-for-japan/</loc><lastmod>2011-03-17T16:55:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/16/debate-rages-over-bill-to-delay-new-debit-card-fee-rules/</loc><lastmod>2011-03-16T19:30:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/15/to-nfc-or-not-that-is-the-apple-question-of-the-day/</loc><lastmod>2011-03-15T13:22:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/14/att-offers-wireless-wireline-billing-relief-for-consumers-calling-and-texting-family-friends-in-japan/</loc><lastmod>2011-03-14T21:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/14/analysis-retailers-sell-out-of-apples-ipad-2/</loc><lastmod>2011-03-14T18:01:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/14/merchant-coalition-backs-interchange-overhaul/</loc><lastmod>2011-03-14T16:36:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/12/fuel-glut-amid-high-prices/</loc><lastmod>2011-03-12T14:01:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/11/dueling-swipe-fee-rallies-retailers-take-to-capitol-hill-one-week-after-credit-union-march/</loc><lastmod>2011-03-11T14:34:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/09/will-verifones-public-diss-of-square-backfire-on-verifone/</loc><lastmod>2011-03-10T10:26:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/09/whos-taping-you-ask-npr-chief-who-quits-over-hidden-camera-video/</loc><lastmod>2011-03-09T16:34:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/09/tester-plans-legislation-to-postpone-fed-action-on-debit-card-fees-for-two-years/</loc><lastmod>2011-03-09T14:33:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/07/lunch-with-sean-parker-a-start-up-prophet/</loc><lastmod>2011-03-07T14:05:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/06/2011-restaurant-industry-predictions/</loc><lastmod>2011-03-06T19:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/05/top-100-growing-companies/</loc><lastmod>2011-03-06T06:19:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/scott-forstall-on-stage-talking-about-the-new-ios-4-3/</loc><lastmod>2011-03-02T18:52:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/the-ipad-2-smart-covers-cases-are-39-for-polyurethane-and-69-for-leather/</loc><lastmod>2011-03-02T18:47:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/more-updates-on-the-ipad-2/</loc><lastmod>2011-03-02T18:41:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/the-new-ipad-is-introduced-in-san-francisco/</loc><lastmod>2011-03-02T18:35:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/steve-jobs-made-an-appearance-at-the-apple-event-this-morning/</loc><lastmod>2011-03-02T18:27:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/02/40000-7-eleven-stores/</loc><lastmod>2011-03-02T18:15:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/03/01/retailers-look-to-ipads-to-engage-customers-increase-sales/</loc><lastmod>2011-03-01T22:41:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/28/price-is-king-merchants-plan-on-lower-prices/</loc><lastmod>2011-02-28T16:57:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/28/payment-card-based-transactions-will-grow-8-globally-through-2020/</loc><lastmod>2011-02-28T16:57:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/25/the-banking-industrys-over-confidence-on-interchange-fees/</loc><lastmod>2011-02-26T01:15:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/25/fewer-credit-card-write-offs-boost-profits-at-target/</loc><lastmod>2011-02-25T20:17:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/23/retailers-say-federal-reserve-proposal-to-lower-debit-card-swipe-fees-doesnt-go-far-enough/</loc><lastmod>2011-02-23T18:35:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/23/alliance-data-acquires-j-jills-credit-card-business/</loc><lastmod>2011-02-23T18:32:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/22/energy-costs-could-raise-tech-prices-drive-manufacturing-back-to-u-s/</loc><lastmod>2011-02-22T18:20:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/22/adobe-clarifies-flash-availability-on-motorola-xoom/</loc><lastmod>2011-02-22T18:16:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/18/the-new-money-businesses-using-mobile-phones-to-accept-credit-cards/</loc><lastmod>2011-02-18T22:55:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/17/fleetcor-technologies-inc-to-support-shell-fleet-program-in-europe-and-asia/</loc><lastmod>2011-02-17T17:26:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/15/penske-cuts-ties-to-smart-usa/</loc><lastmod>2011-02-15T18:34:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/15/verifone-payware-mobile-goes-to-the-uk-and-canada/</loc><lastmod>2011-02-15T15:25:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/15/inflation-watch-companies-warn-that-higher-prices-are-coming/</loc><lastmod>2011-02-15T14:38:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/15/starbucks-green-mountain-in-partnership-talks/</loc><lastmod>2011-02-15T14:22:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/14/3-of-smbs-accept-mobile-payments-today-increasing-to-7-in-the-next-12-months-and-16-by-the-end-of-2012/</loc><lastmod>2011-02-15T00:04:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/11/paypal-to-double-revenue-by-2013/</loc><lastmod>2011-02-11T19:44:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/11/blockbuster-seeking-buyer-skipping-plans-to-reorganize/</loc><lastmod>2011-02-11T18:04:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/11/nokia-announces-alliance-with-microsoft-details-new-business-structure/</loc><lastmod>2011-02-11T17:52:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/10/squareup-com-co-founder-jack-dorsey-talks-about-growing-up-and-reinventing-payments/</loc><lastmod>2011-02-11T00:11:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/10/univision-allpoint-promoting-surcharge-free-prepaid-card-atm-withdrawals/</loc><lastmod>2011-02-10T17:29:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/09/teens-drop-e-mail-in-favor-of-social-and-mobile/</loc><lastmod>2011-02-09T19:42:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/09/ebay-promises-to-unveil-plan-to-help-paypal-repel-google-apple-threats/</loc><lastmod>2011-02-09T17:17:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/08/sage-payment-solutions-inc-launches-card-acceptance-using-mobile-phones/</loc><lastmod>2011-02-08T15:58:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/08/visa-inc-agrees-to-allow-merchants-to-steer-customers-to-lower-cost-payment-choices/</loc><lastmod>2011-02-08T15:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/07/google-forecasts-boom-in-mobile-marketing-by-2015/</loc><lastmod>2011-02-07T21:37:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/07/worldwide-deployment-of-contactless-mobile-payments-set-for-2012/</loc><lastmod>2011-02-07T14:52:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/05/your-kid-cant-ride-a-bike-or-swim-but-he-can-out-smart-you-on-computers/</loc><lastmod>2011-02-05T18:56:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/03/restructuring-at-nrf-leads-to-new-focus-on-advocacy/</loc><lastmod>2011-02-03T19:10:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/03/reuters-reports-china-accelerating-led-manufacturing-schedule/</loc><lastmod>2011-02-03T18:30:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/01/intel-discloses-a-billion-dollar-flaw-in-chip-design/</loc><lastmod>2011-02-01T18:27:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/01/top-five-days-for-pizza-super-bowl-gives-pizza-makers-flour-power/</loc><lastmod>2011-02-01T17:10:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/02/01/office-depot-offering-interest-free-period-for-business-cardholders/</loc><lastmod>2011-02-01T17:03:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/31/quote-of-the-day-if-we-dont-get-our-head-around-payments-we-risk-the-chance-of-an-apple-or-google-taking-some-of-the-volume/</loc><lastmod>2011-01-31T15:55:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/31/accepting-bank-credit-and-debit-cards-with-your-mobile-phone/</loc><lastmod>2011-01-31T15:47:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/28/worldwide-mobile-phone-use-to-purchase-goods-and-services-worth-close-to-120-billion-by-2015/</loc><lastmod>2011-01-29T01:40:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/28/apple-inc-plans-to-introduce-near-field-communication-nfc-services-in-2011/</loc><lastmod>2011-01-28T20:03:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/28/verizon-expands-purchase-options-for-consumers/</loc><lastmod>2011-01-28T19:14:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/28/wal-mart-ceo-predicts-mobile-inflection-point-this-year/</loc><lastmod>2011-01-28T18:55:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/27/windows-phone-7-sales-passes-2-million-mark/</loc><lastmod>2011-01-27T21:21:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/27/nfc-based-mobile-payments-coming-to-u-k-s-orange/</loc><lastmod>2011-01-27T21:11:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/25/mobile-dining-app-users-look-for-cheap-casual-close/</loc><lastmod>2011-01-25T19:52:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/25/will-apple-google-destroy-visa-and-mastercard/</loc><lastmod>2011-01-25T18:05:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/24/a-china-stock-bubble/</loc><lastmod>2011-01-24T23:20:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/24/ncr-ceo-forecasts-double-digit-growth-in-self-service-machines/</loc><lastmod>2011-01-24T23:17:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/24/motorola-tablet-will-hit-best-buy-in-mid-february/</loc><lastmod>2011-01-24T18:42:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/23/foursquare-hits-22000-new-users-daily/</loc><lastmod>2011-01-23T18:22:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/22/kohls-to-partner-with-first-data-on-private-brand-credit-card-processing/</loc><lastmod>2011-01-22T14:30:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/21/google-sees-across-board-focus-on-mobile-in-2011/</loc><lastmod>2011-01-21T18:55:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/21/ge-looks-at-micro-macro-solutions-in-home-energy-control/</loc><lastmod>2011-01-21T18:51:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/19/starbucks-super-sizes-coffee-lineup/</loc><lastmod>2011-01-20T02:05:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/19/citis-branded-card-operation-posts-623-million-q4-profit/</loc><lastmod>2011-01-19T21:51:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/19/starbucks-customers-now-can-pay-with-smartphones/</loc><lastmod>2011-01-19T21:46:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/18/yum-to-sell-long-john-silvers-aw/</loc><lastmod>2011-01-18T17:54:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/18/costco-shoppers-come-for-the-bargains-and-the-samples/</loc><lastmod>2011-01-18T17:28:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/18/federal-reserve-releases-2010-payments-study/</loc><lastmod>2011-01-18T15:09:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/17/disney-uses-mobile-point-of-sale-devices-to-drive-up-conversions-and-margins/</loc><lastmod>2011-01-17T12:14:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/17/92-of-retailers-within-pci-standard/</loc><lastmod>2011-01-17T12:05:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/14/intuit-north-american-bancard-offer-free-bank-card-readers-for-mobile-payments/</loc><lastmod>2011-01-15T03:04:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/13/mobile-vc-investment-was-a-massive-6-1b-in-2010-google-intel-led-the-way/</loc><lastmod>2011-01-13T19:27:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/13/app-or-not-to-app-that-is-the-question/</loc><lastmod>2011-01-13T15:09:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/13/mobile-payment-acceptance-enters-higher-retailer-weight-class/</loc><lastmod>2011-01-13T14:21:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/13/going-for-the-wow-factor-at-ces/</loc><lastmod>2011-01-13T14:15:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/12/credit-taking-back-seat-to-debit/</loc><lastmod>2011-01-12T15:38:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/11/goldman-sachs-to-fine-tune-its-practices/</loc><lastmod>2011-01-11T15:04:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/10/starbucks-marks-milestone-with-new-logo/</loc><lastmod>2011-01-10T21:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/10/verizon-to-announce-iphone-tomorrow/</loc><lastmod>2011-01-10T18:32:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/05/vancouvers-ethical-bean-lets-customers-order-ahead-and-pay-via-smartphone/</loc><lastmod>2011-01-05T14:45:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/04/credit-card-industry-profits-rose-36-in-2010/</loc><lastmod>2011-01-04T16:15:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/broadcom-rises-on-tablet-talk/</loc><lastmod>2011-01-04T01:44:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/vizio-to-challenge-apple-with-tablet-sold-at-costco-walmart-sams-club/</loc><lastmod>2011-01-03T21:52:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/financial-services-ads-target-mobile-banking-users/</loc><lastmod>2011-01-03T19:34:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/tablet-love-fest-in-las-vegas-this-week-hopes-to-bite-into-apple/</loc><lastmod>2011-01-03T18:25:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/consumer-electronics-show-15-19-in-las-vegas/</loc><lastmod>2011-01-03T16:56:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/select-foreign-currency-card-transaction-fees-to-be-eliminated-by-american-express/</loc><lastmod>2011-01-03T16:31:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/03/hauler-videos-win-fans-across-the-generations/</loc><lastmod>2011-01-03T16:17:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2011/01/01/happy-new-year/</loc><lastmod>2011-01-01T14:20:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/31/happy-mmxl/</loc><lastmod>2010-12-31T19:25:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/30/former-usc-football-players-succeed-with-clothes-built-for-comfort/</loc><lastmod>2010-12-30T16:30:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/29/four-social-media-marketing-predictions-for-2011/</loc><lastmod>2010-12-29T21:46:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/29/a-sneak-peek-at-the-future-of-consumer-electronics/</loc><lastmod>2010-12-29T21:34:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/29/5-gasoline-coming-how-will-americans-respond/</loc><lastmod>2010-12-29T15:50:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/29/paypal-reports-300-percent-growth-in-mobile-payments-over-last-holiday-season/</loc><lastmod>2010-12-29T15:42:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/29/remember-the-good-ol-college-days/</loc><lastmod>2010-12-29T07:21:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/28/rent-a-center-buys-the-rental-store-for-75-million/</loc><lastmod>2010-12-28T16:12:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/28/holiday-sales-hit-pre-recession-levels/</loc><lastmod>2010-12-28T16:10:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/28/its-not-what-you-do-but-what-you-dont-do-that-counts-in-the-end/</loc><lastmod>2010-12-28T15:03:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/28/dont-tell-the-kids-old-folks-are-embracing-social-media/</loc><lastmod>2010-12-28T14:32:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/28/join-stiel-direct-at-international-ces-las-vegas-january-6-9-2011/</loc><lastmod>2010-12-28T07:25:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/team/</loc><lastmod>2010-12-28T06:58:00+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/12/27/chinese-e-commerce-company-wins-a-wal-mart-investment/</loc><lastmod>2010-12-27T17:46:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/27/carls-hardees-launch-mobile-rewards-app/</loc><lastmod>2010-12-27T17:27:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/27/durbin-seeks-warrens-help-to-combat-steering-to-less-regulated-products/</loc><lastmod>2010-12-27T15:07:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/27/huge-blizzard-snarls-travel-and-transit-in-the-northeast/</loc><lastmod>2010-12-27T14:57:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/27/aim-for-the-adjacent-possible/</loc><lastmod>2010-12-27T14:50:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/24/happy-holidays-from-our-family-to-yours/</loc><lastmod>2010-12-24T19:13:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/24/ge-capital-sells-2b-mexican-mortgage-portfolio/</loc><lastmod>2010-12-24T16:59:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/23/visa-signs-more-than-50-retailers-for-mobile-payment-app/</loc><lastmod>2010-12-23T17:03:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/its-difficult-to-imagine-an-industry-more-inherently-generous/</loc><lastmod>2010-12-23T06:25:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/will-facebook-save-california/</loc><lastmod>2010-12-22T22:29:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/federal-reserve-boards-proposal-irks-bankers-card-networks/</loc><lastmod>2010-12-22T19:18:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/quote-for-the-day/</loc><lastmod>2010-12-22T16:41:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/21/blockbuster-closing-another-182-stores/</loc><lastmod>2010-12-22T16:08:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/merchants-expect-to-invest-14-billion-in-first-year-savings/</loc><lastmod>2010-12-22T14:49:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/22/retailers-say-credit-card-rate-reforms-will-be-next/</loc><lastmod>2010-12-22T14:25:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/21/papa-johns-brings-better-ingredients-better-pizza-experience-to-iphone-with-new-app/</loc><lastmod>2010-12-21T17:34:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/21/toronto-dominion-offers-6-3-billion-for-chrysler-financial/</loc><lastmod>2010-12-21T13:18:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/20/whats-bad-for-the-goose-is-good-for-the-gander/</loc><lastmod>2010-12-21T13:05:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/21/swipe-fee-windfall-for-circle-k-customers/</loc><lastmod>2010-12-21T12:51:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/17/debit-card-interchange-fees-to-drop-under-feds-proposed-rules/</loc><lastmod>2010-12-20T07:35:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/17/swipe-fee-victory-a-testament-to-strength-of-retail-industry/</loc><lastmod>2010-12-19T15:40:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/17/pepsi-refresh-project-generated-61-million-votes/</loc><lastmod>2010-12-17T16:24:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/17/when-it-comes-to-marketing-twitter-destroys-facebook/</loc><lastmod>2010-12-17T16:22:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/16/feds-want-to-cap-merchant-debit-card-fees-to-twelve-cents-per-transaction/</loc><lastmod>2010-12-16T22:11:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/16/mobile-price-comparison-apps-shake-up-in-store-shopping-4/</loc><lastmod>2010-12-16T18:42:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/16/mobile-payment-startup-mpayy-to-compete-with-paypal/</loc><lastmod>2010-12-16T17:57:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/16/3-tips-for-making-a-good-first-impression-on-prospects-2/</loc><lastmod>2010-12-16T13:33:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/15/visa-launches-mobile-shopping-application/</loc><lastmod>2010-12-15T13:59:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/14/paypal-dominates-but-potential-exists-for-other-alternative-payments-providers-to-compete-researcher-says/</loc><lastmod>2010-12-14T15:47:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/13/calif-county-adds-bar-codes-to-restaurant-inspection-grades/</loc><lastmod>2010-12-13T15:15:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/10/e-mail-marketing-has-2-golden-rules/</loc><lastmod>2010-12-10T14:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/10/after-u-s-failure-hsbc-pushes-into-china/</loc><lastmod>2010-12-10T14:29:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/10/mastercard-buys-prepaid-card-unit-from-travelex/</loc><lastmod>2010-12-10T14:27:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/08/update-operation-payback-changed-its-target-to-www-visa-com-the-site-was-taken-down-within-three-minutes-according-to-reports/</loc><lastmod>2010-12-09T00:30:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/08/hackers-today-shut-down-mastercard-worldwides-website-and-disrupted-cardholders-payments/</loc><lastmod>2010-12-09T00:26:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/08/petroplus-announces-retirement-of-thomas-d-omalley-as-chairman-of-the-board-of-directors-effective-may-5-2011-vice-chairman-patrick-monteiro-de-barros-to-succeed-him-as-chairman/</loc><lastmod>2010-12-08T20:44:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/07/hell-hath-no-fury-like-a-sidelined-employee/</loc><lastmod>2010-12-08T01:47:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/06/fed-records-show-aid-to-g-e/</loc><lastmod>2010-12-06T13:46:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/06/ny-times-how-mckinsey-missed-the-looming-credit-crisis/</loc><lastmod>2010-12-06T13:38:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/06/build-your-own-mobile-app/</loc><lastmod>2010-12-06T13:32:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/02/ebay-pinpoints-hot-cool-spots-for-mobile-commerce/</loc><lastmod>2010-12-02T22:10:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/02/quotation-of-the-day/</loc><lastmod>2010-12-02T15:11:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/02/is-google-getting-a-good-deal-for-groupon/</loc><lastmod>2010-12-02T15:00:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/12/02/tony-hayward-named-worst-ceo-of-2010/</loc><lastmod>2010-12-02T14:58:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/28/new-home-sales-rise-builders-see-stabilization/</loc><lastmod>2010-10-28T19:05:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/28/visas-quarterly-profit-up-51/</loc><lastmod>2010-10-28T16:41:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/28/street-smarts-vs-school-smarts/</loc><lastmod>2010-10-28T14:10:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/27/poll-is-now-a-good-time-to-buy-a-home-in-the-neighborhood-where-you-live/</loc><lastmod>2010-10-27T15:07:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/27/there-are-387-million-ways-to-fail-but-only-one-way-to-succeed/</loc><lastmod>2010-10-27T14:08:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/27/visa-opens-authorize-net-payments-network-to-independent-developers/</loc><lastmod>2010-10-27T13:27:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/26/brand-ambassadors-put-social-media-to-good-use/</loc><lastmod>2010-10-27T01:57:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/26/cashie-aims-to-make-its-way-in-the-online-payment-arena/</loc><lastmod>2010-10-26T21:13:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/26/social-networking-technology-startups-attract-capital/</loc><lastmod>2010-10-26T13:53:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/26/pizza-hut-exec-reveals-how-mobile-ordering-app-achieved-2m-downloads/</loc><lastmod>2010-10-26T13:16:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/25/german-companies-put-kibosh-on-social-networking/</loc><lastmod>2010-10-25T17:33:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/welcome/deliverables/</loc><lastmod>2010-10-25T17:01:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/10/25/coming-soon-discounts-for-using-lower-fee-cards/</loc><lastmod>2010-10-25T16:34:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/25/how-to-save-5-on-the-apple-ipad/</loc><lastmod>2010-10-25T16:27:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/25/halloween-means-sales-and-profits-for-retailers/</loc><lastmod>2010-10-25T16:25:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/25/i-dont-need-to-hire-college-professors-in-my-business/</loc><lastmod>2010-10-25T12:54:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/25/study-finds-demand-confusion-when-it-comes-to-sustainable/</loc><lastmod>2010-10-25T11:56:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/22/california-foreclosure-activity-rebounds-in-august/</loc><lastmod>2010-10-23T01:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/21/demonstrate-your-way-into-stores/</loc><lastmod>2010-10-21T14:43:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/21/quote-of-the-day-9/</loc><lastmod>2010-10-21T13:55:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/20/architect-billing-up-for-first-time-in-3-years/</loc><lastmod>2010-10-20T19:44:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/20/how-to-write-a-great-business-plan/</loc><lastmod>2010-10-20T13:12:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/20/public-speaking-is-a-strategic-advantage-for-companies/</loc><lastmod>2010-10-20T12:59:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/pizza-hut-launches-hong-kongs-first-mobile-ordering-iphone-ipad-application/</loc><lastmod>2010-10-20T04:44:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/steve-jobs-smack-talks-google-2/</loc><lastmod>2010-10-19T23:51:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/percentage-of-americans-who-own-a-cell-phone/</loc><lastmod>2010-10-19T16:33:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/whats-the-most-popular-gadget-for-americans/</loc><lastmod>2010-10-19T16:25:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/gattis-pizza-releases-mobile-ordering-app-for-iphone/</loc><lastmod>2010-10-19T15:58:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/culvers-launches-mobile-marketing-program/</loc><lastmod>2010-10-19T14:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/quick-service-sales-show-signs-of-improvement/</loc><lastmod>2010-10-19T14:20:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/19/how-long-does-a-new-platform-have-to-ignite-or-fizzle/</loc><lastmod>2010-10-19T13:15:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/quote-of-the-day-8/</loc><lastmod>2010-10-19T00:16:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/retail-experts-to-keep-watch-on-gift-cards-this-season/</loc><lastmod>2010-10-19T00:10:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/department-stores-shift-back-into-growth-mode/</loc><lastmod>2010-10-19T00:07:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/top-facebook-apps-transmit-identifying-user-data-to-marketers/</loc><lastmod>2010-10-19T00:04:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/study-confirms-whatever-doesnt-kill-us-can-make-us-stronger/</loc><lastmod>2010-10-18T14:10:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/huntington-bancshares-inc-hires-usaas-dennes-to-reinvigorate-its-mobile-services/</loc><lastmod>2010-10-18T13:23:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/18/mcdonalds-uses-social-media-to-connect/</loc><lastmod>2010-10-18T12:38:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/team/media/</loc><lastmod>2010-10-17T16:00:30+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/10/16/special-event-marketing-at-taste-of-chicago/</loc><lastmod>2010-10-17T02:06:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/16/nascar-promotions/</loc><lastmod>2010-10-17T02:06:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/14/tcf-bank-files-lawsuit-to-overturn-consumer-protection-laws-that-will-save-consumers-and-merchants-money-on-credit-card-fees/</loc><lastmod>2010-10-15T05:36:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/02/breaking-news-alert-obamas-economic-team-considering-new-stimulus-package/</loc><lastmod>2010-10-15T05:02:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/14/quote-of-the-day-7/</loc><lastmod>2010-10-14T13:26:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/five-new-investment-tips-for-using-social-media/</loc><lastmod>2010-10-14T13:24:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/is-wal-mart-is-positioned-to-win-shoppers-this-season/</loc><lastmod>2010-10-14T13:24:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/now-that-you-got-them-as-customers/</loc><lastmod>2010-10-13T13:25:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/in-this-corner/</loc><lastmod>2010-10-13T13:21:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/tcf-files-lawsuit-challenging-durbin-swipe-fee-amendment/</loc><lastmod>2010-10-13T13:18:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/13/quote-of-the-day-6/</loc><lastmod>2010-10-13T13:08:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/on-the-verge-of-a-virtual-payment-world/</loc><lastmod>2010-10-12T01:53:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/6-ways-to-revive-a-dead-social-media-channel/</loc><lastmod>2010-10-11T13:39:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/10/impact-of-visa-mastercard-settlement-with-u-s-department-of-justice/</loc><lastmod>2010-10-11T12:49:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/9-ways-companies-completely-blow-press-opportunities/</loc><lastmod>2010-10-11T12:27:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/reinventing-aol-style/</loc><lastmod>2010-10-11T12:18:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/thinking-on-our-feet-the-value-of-leadership/</loc><lastmod>2010-10-11T12:13:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/11/cold-stone-offers-8-layer-ice-cream-cakes/</loc><lastmod>2010-10-11T12:06:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/10/china-emerges-as-a-scapegoat-in-campaign/</loc><lastmod>2010-10-10T07:38:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/l-a-s-kcet-tv-to-leave-pbs/</loc><lastmod>2010-10-08T19:57:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/wal-mart-on-hunt-for-partnerships-with-national-brands/</loc><lastmod>2010-10-08T17:59:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/buffett-u-s-economy-is-making-a-comeback/</loc><lastmod>2010-10-08T16:32:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/global-retailers-race-to-meet-mobile-demand/</loc><lastmod>2010-10-08T16:16:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/pizza-huts-iphone-app-a-case-study-in-digital-marketing-success/</loc><lastmod>2010-10-08T16:12:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/going-in-for-the-long-haul-warren-buffett/</loc><lastmod>2010-10-08T14:49:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/will-china-become-the-worlds-back-office/</loc><lastmod>2010-10-08T13:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/08/grubhub-mobile-orders-to-reach-7m-by-year-end-cofounder/</loc><lastmod>2010-10-08T13:28:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/07/peruvian-writer-mario-vargas-llosa-has-won-the-2010-nobel-prize-in-literature/</loc><lastmod>2010-10-07T21:42:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/07/social-media-marketing/</loc><lastmod>2010-10-07T15:44:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/07/the-latest-executive-moves-at-restaurant-chains/</loc><lastmod>2010-10-07T12:15:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/07/venture-capital-at-your-own-risk/</loc><lastmod>2010-10-07T12:12:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/06/social-media-marketers-struggle-to-cut-through-the-clutter/</loc><lastmod>2010-10-06T18:21:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/05/wealthy-take-bigger-helping-of-fast-food/</loc><lastmod>2010-10-05T22:45:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/05/evan-williams-steps-down-as-twitter-ceo/</loc><lastmod>2010-10-05T21:26:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/05/doj-files-anti-trust-against-mastercard-visa-and-american-express/</loc><lastmod>2010-10-05T13:21:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/wal-marts-shelves-reflect-customers-economic-challenges/</loc><lastmod>2010-10-04T17:37:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/pay-for-performance-in-sports/</loc><lastmod>2010-10-04T17:24:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/youve-seen-the-movie-now-what-will-the-facebook-of-the-future-look-like/</loc><lastmod>2010-10-04T17:21:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/tablets-are-rising-in-importance-for-e-commerce/</loc><lastmod>2010-10-04T17:16:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/lg-electronics-might-delay-tablets-focus-on-phones/</loc><lastmod>2010-10-04T17:15:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/gaming-3-d-capabilities-are-arriving-on-smartphones/</loc><lastmod>2010-10-04T17:14:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/04/verizon-to-refund-data-overcharges/</loc><lastmod>2010-10-04T17:13:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/10/01/the-life-of-a-man-consists-not-in-seeing-visions-and-dreaming-dreams/</loc><lastmod>2010-10-01T22:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/best-buy-to-offer-free-phone-fridays-in-october/</loc><lastmod>2010-09-30T15:45:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/charles-schwab-drops-two-rewards-credit-cards/</loc><lastmod>2010-09-30T14:32:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/verifone-makes-bid-for-rival-hypercom/</loc><lastmod>2010-09-30T14:29:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/how-to-defeat-a-midlevel-micromanager/</loc><lastmod>2010-09-30T14:13:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/actor-tony-curtis-dies-at-85/</loc><lastmod>2010-09-30T10:40:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/30/quick-stop-target/</loc><lastmod>2010-09-30T07:57:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/restaurant-ipad-pos-company-acquires-mymenumobile-com/</loc><lastmod>2010-09-29T22:48:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/jack-henry-announces-mobile-remote-deposit-capture/</loc><lastmod>2010-09-29T22:22:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/texting-laws-dont-prevent-crashes/</loc><lastmod>2010-09-29T17:49:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/ten-steps-to-social-media-nirvana/</loc><lastmod>2010-09-29T17:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/urbn-ceo-mobile-may-impact-in-store-more-than-online/</loc><lastmod>2010-09-29T17:12:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/consumers-shop-in-store-with-smartphones/</loc><lastmod>2010-09-29T17:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/ebay-ipad-users-spend-50pc-more-than-pc-web-users/</loc><lastmod>2010-09-29T16:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/mobile-ticketing-next-step-in-mobile-payments-space/</loc><lastmod>2010-09-29T16:46:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/the-twitter-tax/</loc><lastmod>2010-09-29T16:13:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/29/the-argument-against-embracing-failure/</loc><lastmod>2010-09-29T14:56:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/28/bankruptcy-court-approves-blockbuster-plan-to-pay-studios/</loc><lastmod>2010-09-28T21:07:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/28/wal-mart-pg-sales-reflect-success-of-made-for-tv-movie-strategy/</loc><lastmod>2010-09-28T21:07:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/thought-for-the-day/</loc><lastmod>2010-09-27T23:34:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/new-name-same-great-parade/</loc><lastmod>2010-09-27T17:05:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/will-smart-phones-drive-out-plastic-cards/</loc><lastmod>2010-09-27T16:38:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/a-world-without-cards/</loc><lastmod>2010-09-27T16:33:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/western-union-to-offer-mobile-funds-transfer-service-to-canadian-consumers/</loc><lastmod>2010-09-27T15:13:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/restaurant-customers-suffer-from-foursquare-check-in-fatigue/</loc><lastmod>2010-09-27T14:56:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/6-things-you-need-to-have-in-your-vc-pitch/</loc><lastmod>2010-09-27T14:44:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/fear-and-failure-in-las-vegas/</loc><lastmod>2010-09-27T14:39:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/nbc-universal-and-comcast-spending-millions-on-lobbyists-donations-ads-and-investments/</loc><lastmod>2010-09-27T14:32:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/27/southwest-to-buy-airtran-for-1-37-billion/</loc><lastmod>2010-09-27T14:30:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/26/steve-burke-to-become-ceo-of-nbc-universal/</loc><lastmod>2010-09-26T22:08:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/services/</loc><lastmod>2010-09-26T19:13:30+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/09/26/opening-of-lacmas-lynda-and-stewart-resnick-exhibition-pavilion-brings-l-a-area-art-patrons-and-their-collection-to-light-latimes-com/</loc><lastmod>2010-09-26T18:42:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/services/life-event-marketing-2/</loc><lastmod>2010-09-25T18:13:57+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/09/24/lessons-from-blockbusters-bankruptcy/</loc><lastmod>2010-09-24T19:45:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/for-advertisers-facebook-is-the-new-google/</loc><lastmod>2010-09-24T19:22:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/kindle-android-app-adds-social-component/</loc><lastmod>2010-09-24T17:05:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/study-mobile-phones-are-the-first-stop-for-some-shoppers/</loc><lastmod>2010-09-24T17:04:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/macys-wal-mart-toys-r-us-ramp-up-holiday-hiring/</loc><lastmod>2010-09-24T16:18:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/chief-executive-jeff-zucker-announced-today-that-he-is-leaving-nbc-universal/</loc><lastmod>2010-09-24T16:08:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/85-percent-of-gen-y-users-regularly-send-or-receive-smstext-messages/</loc><lastmod>2010-09-24T15:46:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/blockbuster-bankruptcy-and-the-economy/</loc><lastmod>2010-09-24T15:43:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/starbucks-ups-prices-to-offset-coffee-costs/</loc><lastmod>2010-09-24T13:04:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/24/food-trucks-are-so-yesterday/</loc><lastmod>2010-09-24T12:46:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/walmart-credit-card-system-fails-on-thursday/</loc><lastmod>2010-09-24T06:18:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/to-motivate-your-workers-try-winning-over-their-spouses/</loc><lastmod>2010-09-24T05:11:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/eyeing-new-consumers-walmart-japan-to-issue-amex-credit-card/</loc><lastmod>2010-09-24T05:07:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/plastic-recycling-extends-to-gift-cards/</loc><lastmod>2010-09-24T05:03:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/twitter-reveals-plan-for-free-real-time-analytics-dashboard/</loc><lastmod>2010-09-24T03:13:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/high-end-spenders-moving-back-to-credit-from-debit/</loc><lastmod>2010-09-24T03:12:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/halloween-spending-back-to-2008-levels/</loc><lastmod>2010-09-23T16:49:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/online-sellers-seek-alternatives-to-paypal/</loc><lastmod>2010-09-23T16:42:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/study-teenagers-dominate-in-word-of-mouth/</loc><lastmod>2010-09-23T16:40:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/23/report-offers-facebook-tips-for-restaurants/</loc><lastmod>2010-09-23T15:43:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/twitter-worm-leads-to-an-epidemic-of-infected-tweets/</loc><lastmod>2010-09-22T22:50:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/twitter-as-a-tool-to-measure-sloppy-service/</loc><lastmod>2010-09-22T22:48:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/who-makes-those-redbox-video-kiosks/</loc><lastmod>2010-09-22T16:50:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/discover-enhancing-online-card-customization-tools/</loc><lastmod>2010-09-22T13:50:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/like-me-like-you/</loc><lastmod>2010-09-22T13:41:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/google-on-google/</loc><lastmod>2010-09-22T13:37:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/22/ruby-tuesday-plans-to-open-fast-casual-outlets/</loc><lastmod>2010-09-22T12:43:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/21/a-new-opus-filled-with-the-ferrari-mystique/</loc><lastmod>2010-09-22T05:55:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/21/top-ten-keys-to-effective-listening/</loc><lastmod>2010-09-21T22:08:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/services/life-event-marketing/</loc><lastmod>2010-09-21T21:28:40+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/services/life-event-marketing/newlywed-marketing/</loc><lastmod>2010-09-21T21:21:22+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/services/life-event-marketing/new-parents-marketing/</loc><lastmod>2010-09-21T21:19:00+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/services/life-event-marketing/new-equity-spenders/</loc><lastmod>2010-09-21T21:18:29+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://stiel.org/2010/09/21/walmart-convenience-stores/</loc><lastmod>2010-09-21T12:20:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/wal-mart-tests-free-delivery-with-fedex-to-expand-online-sales/</loc><lastmod>2010-09-20T16:08:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/tennessee-bans-most-all-credit-card-solicitations-targeting-university-and-college-students/</loc><lastmod>2010-09-20T13:59:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/general-growth-properties-to-buy-summerlin/</loc><lastmod>2010-09-20T13:43:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/i-b-m-to-buy-netezza/</loc><lastmod>2010-09-20T13:40:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/citigroup-announces-jud-linville-as-chief-executive-officer-for-citi-cards/</loc><lastmod>2010-09-20T12:39:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/sales-chart-top-restaurants/</loc><lastmod>2010-09-20T12:35:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/california-pizza-kitchen-tests-tabletop-technology/</loc><lastmod>2010-09-20T12:26:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/nfc-enabled-iphone-could-be-tipping-point-for-contactless-payments/</loc><lastmod>2010-09-20T10:48:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/20/paint-by-numbers/</loc><lastmod>2010-09-20T10:37:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/19/do-card-reward-programs-deal-low-income-households-an-unfair-hand/</loc><lastmod>2010-09-19T17:21:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/17/google-ventures-hires-an-entrepreneur-in-residence/</loc><lastmod>2010-09-17T13:03:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/17/global-payments-verifone-offer-canadian-merchants-mobile-payments-services/</loc><lastmod>2010-09-17T12:48:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/17/recession-raises-poverty-rate-to-a-15-year-high/</loc><lastmod>2010-09-17T12:46:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/17/geico-gets-350k-mobile-apps-downloads-in-60-days/</loc><lastmod>2010-09-17T12:40:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/16/more-restaurants-selling-virtual-gift-cards/</loc><lastmod>2010-09-16T23:47:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/16/wright-express-completed-its-318-million-deal-to-buy-australian-card-businesses-of-retail-decisions/</loc><lastmod>2010-09-16T13:33:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/16/want-to-give-your-in-store-cell-reception-a-huge-cheap-boost-use-the-ac-ducts/</loc><lastmod>2010-09-16T13:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/16/opentable-to-buy-u-k-reservation-site-for-55-million/</loc><lastmod>2010-09-16T13:10:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/16/report-lone-star-steakhouse-closes-19-units/</loc><lastmod>2010-09-16T13:05:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/15/mobile-banking-patent-suit-targets-credit-unions/</loc><lastmod>2010-09-15T14:27:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/15/my-new-bff-is-our-cto/</loc><lastmod>2010-09-15T13:46:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/15/forgot-to-shave-this-morning-you-may-be-an-entrepreneur/</loc><lastmod>2010-09-15T13:15:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/15/lessons-from-the-best-social-media-campaigns/</loc><lastmod>2010-09-15T13:08:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/15/basics-of-statistical-prospecting-models/</loc><lastmod>2010-09-15T11:30:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/14/walmart-to-launch-low-cost-wireless-service/</loc><lastmod>2010-09-14T17:21:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/14/oracle-of-omaha-no-double-dip/</loc><lastmod>2010-09-14T15:01:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/14/green-mountain-buys-van-houtte-for-890-million/</loc><lastmod>2010-09-14T14:59:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/mobile-ordering-for-smart-phones-explained/</loc><lastmod>2010-09-14T05:12:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/retailers-continue-to-face-online-shopping-cart-patent-issues/</loc><lastmod>2010-09-13T22:07:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/20-startups-vie-to-power-pepsico-next-social-media-marketing-campaigns/</loc><lastmod>2010-09-13T15:32:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/for-mobile-payments-blackberry-app-from-starbucks-opens-opportunities/</loc><lastmod>2010-09-13T14:43:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/raising-bets-on-gains-in-oil-prices/</loc><lastmod>2010-09-13T14:37:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/most-credit-line-cuts-came-from-inactive-accounts-moodys-says/</loc><lastmod>2010-09-13T14:35:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/claim-jumper-files-for-ch-11/</loc><lastmod>2010-09-13T13:25:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/more-restaurants-testing-delivery-service/</loc><lastmod>2010-09-13T13:24:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/smartphone-users-are-adding-to-their-app-collections/</loc><lastmod>2010-09-13T13:21:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/13/visa-trends-and-preferences-in-consumer-payments-lessons-from-the-visa-payment-panel-study/</loc><lastmod>2010-09-13T13:19:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/12/china-explores-a-frontier-2-miles-deep/</loc><lastmod>2010-09-12T13:00:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/homebuyer-tax-credit-950000-must-repay/</loc><lastmod>2010-09-11T05:46:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/wal-mart-ceo-mike-dukes-secret-weapon-post-it-notes/</loc><lastmod>2010-09-10T21:34:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/dunkin-hires-ken-chaisson-for-it-role-2/</loc><lastmod>2010-09-10T13:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/issuers-less-willing-to-ok-credit-research-says/</loc><lastmod>2010-09-10T13:48:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/apple-changes-to-app-development-restrictions-to-boost-mobile-ads/</loc><lastmod>2010-09-10T13:48:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/10/blast-off-how-two-sided-platforms-ignited/</loc><lastmod>2010-09-10T13:19:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/09/toys-r-us-plans-600-holiday-season-pop-up-shops/</loc><lastmod>2010-09-09T15:32:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/09/kno-secured-46-million/</loc><lastmod>2010-09-09T13:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/09/social-marketing-is-not-about-you/</loc><lastmod>2010-09-09T12:57:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/09/schumer-blasts-issuers-for-deceptive-business-card-marketing-tactics/</loc><lastmod>2010-09-09T12:52:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/09/mastercards-moneysend-now-for-blackberrys/</loc><lastmod>2010-09-09T12:51:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/7-eleven-offering-40-a-share-for-caseys-wsj/</loc><lastmod>2010-09-08T21:09:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/dominos-dominates-online-pizza-ordering/</loc><lastmod>2010-09-08T17:27:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/amazon-challenges-manufacturers-to-move-to-frustration-free-packaging/</loc><lastmod>2010-09-08T17:13:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/couche-tard-reaches-deal-with-ftc-on-divestiture-to-acquire-caseys/</loc><lastmod>2010-09-08T15:15:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/from-high-school-troublemaker-to-affably-odd-genius/</loc><lastmod>2010-09-08T13:05:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/for-mobile-payments-blackberry-app-from-starbucks-is-unusual-call/</loc><lastmod>2010-09-08T12:29:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/08/obama-against-a-compromise-on-extension-of-bush-tax-cuts/</loc><lastmod>2010-09-08T11:26:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/the-retail-executives-talent-checklist/</loc><lastmod>2010-09-08T03:26:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/07/fast-food-chains-continue-to-test-the-self-serve-waters/</loc><lastmod>2010-09-08T02:42:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/07/california-seeks-10-billion-in-fines-from-health-insurer-pacificare/</loc><lastmod>2010-09-07T23:37:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/07/one-issue-of-concern-regarding-kiosks-can-be-put-to-rest-man-and-machine-can-coexist/</loc><lastmod>2010-09-07T16:52:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/07/redbox-hits-the-1-billion-served-milestone/</loc><lastmod>2010-09-07T16:43:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/07/retailers-must-get-to-know-their-m-commerce-customers/</loc><lastmod>2010-09-07T16:41:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/06/conoco-phillips-and-wright-express-launch-new-private-label-fleet-card-program/</loc><lastmod>2010-09-06T18:24:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/06/message-to-washington-time-to-offer-tax-deductions-for-residential-home-losses/</loc><lastmod>2010-09-06T14:18:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/06/bbq-recipes-from-around-the-world-to-celebrate-labor-day/</loc><lastmod>2010-09-06T14:01:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/tio-networks-reports-fiscal-4q-transaction-revenues-rise-80-percent/</loc><lastmod>2010-09-04T04:36:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/quote-of-the-day-5/</loc><lastmod>2010-09-03T19:41:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/bouncing-back-from-bankruptcy-one-mans-story/</loc><lastmod>2010-09-03T19:36:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/report-puts-location-based-ads-at-1-8b-by-2015/</loc><lastmod>2010-09-03T19:30:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/retailers-seek-to-make-e-commerce-retail-easier-for-new-customers/</loc><lastmod>2010-09-03T19:26:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/gift-cards-having-gone-virtual-now-are-going-mobile/</loc><lastmod>2010-09-03T18:48:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/03/verifones-way-systems-deal-bolsters-its-services-strategy/</loc><lastmod>2010-09-03T18:46:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/02/verifone-buys-way-solidifies-mobile-point-of-sale-position/</loc><lastmod>2010-09-02T13:34:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/02/burger-king-suitors-from-brazil/</loc><lastmod>2010-09-02T13:26:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/02/opentable-adds-restaurant-discount-program/</loc><lastmod>2010-09-02T13:17:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/02/white-castle-testing-bbq-and-noodles/</loc><lastmod>2010-09-02T13:14:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/quote-of-the-day-4/</loc><lastmod>2010-09-01T21:14:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/london-design-festival/</loc><lastmod>2010-09-01T19:39:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/theaters-airplanes-to-post-calories/</loc><lastmod>2010-09-01T16:01:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/alimentation-couche-tard-raised-its-bid-for-caseys-general-stores/</loc><lastmod>2010-09-01T15:59:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/09/01/facebook-credits-gift-cards-to-go-on-sale-at-target/</loc><lastmod>2010-09-01T15:30:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/31/7-eleven-testing-whole-roasted-chickens/</loc><lastmod>2010-08-31T23:25:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/buying-patterns-are-still-based-on-pay-cycles/</loc><lastmod>2010-08-30T15:08:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/walmarts-asda-invites-royal-family-to-save-on-grocery-bills/</loc><lastmod>2010-08-30T15:07:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/how-secure-are-mobile-payments/</loc><lastmod>2010-08-30T14:56:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/predicting-the-fed%e2%80%99s-approach-to-debit-card-regulation/</loc><lastmod>2010-08-30T14:43:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/projected-growth-in-u-s-population-by-age-group/</loc><lastmod>2010-08-30T14:38:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/consumer-spending-rose-0-4-percent-in-july/</loc><lastmod>2010-08-30T14:17:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/pizza-hut-sees-7m-in-sales-from-iphone-app/</loc><lastmod>2010-08-30T06:27:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/employee-or-contractor/</loc><lastmod>2010-08-30T06:17:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/30/stielscore-marketing-and-analysis/</loc><lastmod>2010-08-30T02:36:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/28/blackhawk-makes-a-big-jump-into-reloadable-prepaid-cards/</loc><lastmod>2010-08-27T21:27:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/28/retail-brands-pair-up-with-influential-bloggers/</loc><lastmod>2010-08-27T20:05:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/27/why-every-payments-product-needs-an-ignition-strategy/</loc><lastmod>2010-08-27T13:08:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/27/blockbuster-video-tells-studios-its-preparing-for-bankruptcy/</loc><lastmod>2010-08-27T00:25:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/01/26/introducing-stiel-direct-llc/</loc><lastmod>2010-08-26T17:02:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/apple-to-show-off-new-ipods-sept-1/</loc><lastmod>2010-08-26T15:17:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/mobile-payments-may-pose-fraud-threat-consumer-advocacy-group-warns/</loc><lastmod>2010-08-26T13:23:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/foodspotting/</loc><lastmod>2010-08-26T13:19:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/emboldened-merchants-expected-to-push-cheaper-payments/</loc><lastmod>2010-08-26T13:02:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/mocapay-inks-loyalty-marketing-deal-with-iso-enational-payments/</loc><lastmod>2010-08-26T13:00:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/microsofts-bing-maps-tests-food-cart-finder/</loc><lastmod>2010-08-26T12:56:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/dunkin-adds-338-units-in-first-half-of-2010/</loc><lastmod>2010-08-26T12:51:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/26/cowabunga-edward-kean-dies-at-85-head-writer-for-the-howdy-doody-show/</loc><lastmod>2010-08-25T22:06:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/25/jeff-gordon-and-walmart/</loc><lastmod>2010-08-25T14:54:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/25/slug-fest-in-u-s-c-store-space-expected-to-escalate/</loc><lastmod>2010-08-25T14:01:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/25/visa-releases-data-security-best-practices-for-software-vendors/</loc><lastmod>2010-08-25T12:34:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/25/ny-times-the-customer-always-comes-last/</loc><lastmod>2010-08-25T12:28:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/25/corporate-americas-failure-to-spend-on-jobs-is-shortsighted/</loc><lastmod>2010-08-25T06:15:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/new-rules-could-boost-gift-card-sales/</loc><lastmod>2010-08-24T15:41:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/bank-card-swipe-fees-cost-average-household-429-annually/</loc><lastmod>2010-08-24T15:36:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/prepaid-advocate-will-continue-despite-shorebank-failure/</loc><lastmod>2010-08-24T13:43:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/lou-simpson-at-berkshire-hathaway-is-retiring/</loc><lastmod>2010-08-24T13:24:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/roi-concerns-downplayed-as-social-media-grows/</loc><lastmod>2010-08-24T12:56:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/new-rules-for-gift-cards-go-into-effect/</loc><lastmod>2010-08-24T12:53:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/24/massive-recall-reveals-growing-vulnerability-in-egg-delivery-system/</loc><lastmod>2010-08-24T04:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/23/an-alternative-to-cash-and-credit/</loc><lastmod>2010-08-23T16:14:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/23/debit-surcharges-targeted-by-california-lawmakers/</loc><lastmod>2010-08-23T16:08:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/23/kona-grill-builds-buzz-with-foursquare-swarm-party/</loc><lastmod>2010-08-23T14:05:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/23/high-tech-l-a-parking-meters-will-take-credit-and-debit-cards-sensors-monitor-when-times-up/</loc><lastmod>2010-08-23T10:33:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/23/100-million-google-mobile-map-users-last-month/</loc><lastmod>2010-08-23T09:26:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/22/the-web-is-dead-long-live-the-web/</loc><lastmod>2010-08-22T14:12:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/22/in-striking-shift-small-investors-flee-stock-market/</loc><lastmod>2010-08-22T13:50:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/21/target-card-unit-profit-rises-137/</loc><lastmod>2010-08-20T21:05:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/21/j-d-power-credit-card-customer-satisfaction-improves-loyalty-slips/</loc><lastmod>2010-08-20T20:49:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/20/eye-on-m-commerce-google-talks-to-paypal/</loc><lastmod>2010-08-20T16:42:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/20/dunkin-hires-ken-chaisson-for-it-role/</loc><lastmod>2010-08-20T15:41:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/20/verizon-makes-small-bet-on-mobile-loyalty-card-program/</loc><lastmod>2010-08-20T15:24:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/cash-only-businesses-say-reforms-wont-change-their-policies/</loc><lastmod>2010-08-19T15:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/about-circle-k-stores/</loc><lastmod>2010-08-19T13:58:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/mastercard-to-buy-datacash-group/</loc><lastmod>2010-08-19T13:20:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/we-have-met-the-enemy-and-he-is-powerpoint/</loc><lastmod>2010-08-19T12:50:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/get-yourself-some-executive-charisma/</loc><lastmod>2010-08-19T12:46:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/irs-merchant-reporting-rule-confusing-observers-say/</loc><lastmod>2010-08-19T12:41:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/fraud-woes-prompt-bank-to-forego-signature-debit-revenue/</loc><lastmod>2010-08-19T12:40:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/fast-food-chains-grab-most-location-based-check-ins/</loc><lastmod>2010-08-19T12:39:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/19/winning-bid-for-max-ermas-hits-28m/</loc><lastmod>2010-08-19T12:38:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/18/deep-discounts-arent-doing-the-trick/</loc><lastmod>2010-08-18T16:23:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/18/key-factors-that-will-define-mobile-marketing-in-2011/</loc><lastmod>2010-08-18T13:41:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/17/new-york-eateries-go-cash-only/</loc><lastmod>2010-08-17T13:33:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/16/target-stores-betting-on-5-discounts-for-private-label-credit-card-users/</loc><lastmod>2010-08-16T17:17:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/16/new-products-are-main-reason-for-users-to-follow-brands-on-twitter/</loc><lastmod>2010-08-16T16:48:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/16/consumer-warning-suggests-alternate-payment-types-when-paying-at-the-pump/</loc><lastmod>2010-08-16T14:47:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/16/experian-consumers-have-fewer-credit-cards-than-in-2007-new-yorkers-have-most/</loc><lastmod>2010-08-16T14:27:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/14/experts-warn-of-a-weak-link-in-the-security-of-web-sites/</loc><lastmod>2010-08-14T11:38:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/14/detroit-goes-from-gloom-to-economic-bright-spot/</loc><lastmod>2010-08-14T11:34:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/consumers-rate-paypal-as-more-secure-than-credit-cards/</loc><lastmod>2010-08-13T18:02:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/resilient-consumers-increased-promotions-impact-july-retail-sales/</loc><lastmod>2010-08-13T16:12:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/you-may-be-popular-but-are-you-influential/</loc><lastmod>2010-08-13T14:32:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/debit-fees-wont-fly-with-most-users-says-bank-consultant/</loc><lastmod>2010-08-13T13:30:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/wepay-has-raised-7-5-million/</loc><lastmod>2010-08-13T13:19:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/wal-mart-stores-biggest-supplier-offering-901-million-for-distribution-company/</loc><lastmod>2010-08-13T13:16:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/13/extravagant-delahaye-at-auction-in-monterey/</loc><lastmod>2010-08-13T03:35:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/social-media-seo-and-fun-factor-spur-online-sales/</loc><lastmod>2010-08-12T16:58:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/sequoia-backs-mobile-medical-software-maker-airstrip/</loc><lastmod>2010-08-12T16:23:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/business-owners-window-shopping-for-a-new-bank/</loc><lastmod>2010-08-12T16:22:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/jetblues-response-to-a-fed-up-employees-exit/</loc><lastmod>2010-08-12T14:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/philanthropy-as-a-status-symbol/</loc><lastmod>2010-08-12T13:47:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/wells-fargo-loses-overdraft-fee-case-in-california/</loc><lastmod>2010-08-12T13:37:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/12/nfib-visa-pairing-draws-fire/</loc><lastmod>2010-08-12T01:06:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/09/cash-only-holiday-to-show-support-of-durbin-amendment-and-lower-merchant-swipe-fees-set-for-labor-day-weekend/</loc><lastmod>2010-08-11T16:01:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/nrf-conference-call-the-swipe-fee-battle-isnt-over-yet/</loc><lastmod>2010-08-11T15:35:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/luigi-lavazza-buys-250-million-stake-in-green-mountain-coffee-roasters/</loc><lastmod>2010-08-11T14:50:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/credit-and-signature-debit-sales-experiencing-more-moderate-declines-report-says/</loc><lastmod>2010-08-11T14:43:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/emboldened-by-dodd-frank-merchants-plan-to-push-cheaper-payment-choices/</loc><lastmod>2010-08-11T14:36:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/join-us-for-classic-car-events-on-the-monterey-peninsula/</loc><lastmod>2010-08-11T03:44:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/more-entrepreneurs-look-to-grow-via-franchising/</loc><lastmod>2010-08-10T20:42:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/mobile-tech-brings-abundance-of-options-to-supermarkets/</loc><lastmod>2010-08-10T19:31:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/despite-negative-impact-from-card-act-barclaycard-remains-positive-on-future/</loc><lastmod>2010-08-10T19:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/11/high-end-restaurant-chains-say-business-travel-spending-up-2/</loc><lastmod>2010-08-10T19:29:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/09/nielsen-mobile-e-commerce-will-lead-retail-growth/</loc><lastmod>2010-08-09T16:51:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/09/brands-friending-social-gaming-amid-new-web-craze/</loc><lastmod>2010-08-09T15:16:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/09/retail-tech-pioneer-john-hervey-dies/</loc><lastmod>2010-08-09T15:10:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/09/consumer-revolving-credit-shrinks-further/</loc><lastmod>2010-08-09T13:56:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/07/ceos-embrace-sustainability/</loc><lastmod>2010-08-07T02:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/more-retailers-eye-holiday-savings-plans/</loc><lastmod>2010-08-06T17:14:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/marketers-are-thinking-bigger-with-new-mobile-ads/</loc><lastmod>2010-08-06T16:57:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/tesco-to-launch-mobile-shopping-app-skipping-iphone/</loc><lastmod>2010-08-06T16:54:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/mobile-traffic-patterns-mirror-online/</loc><lastmod>2010-08-06T16:50:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/hispanic-consumers-are-a-growing-part-of-online-commerce/</loc><lastmod>2010-08-06T16:47:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/wine-vending-machines-launch-in-the-us/</loc><lastmod>2010-08-06T15:34:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/record-q2-transaction-volumes-give-cardtronics-a-big-income-boost/</loc><lastmod>2010-08-06T14:25:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/restaurant-customers-turn-to-mobile-phones-for-ordering-and-payments/</loc><lastmod>2010-08-05T21:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/06/fannie-mae-says-second-quarter-losses-shrank-dramatically-reducing-need-for-taxpayer-money/</loc><lastmod>2010-08-05T21:05:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/05/quote-of-the-day-3/</loc><lastmod>2010-08-05T14:46:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/05/pci-level-1-merchant-compliance-up-slightly/</loc><lastmod>2010-08-05T13:47:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/05/speaking-of-e-wallets-the-iphone-retains-everything/</loc><lastmod>2010-08-05T13:29:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/05/taking-your-loyalty-program-mobile/</loc><lastmod>2010-08-05T13:17:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/05/will-smart-phones-replace-bank-issued-credit-and-debit-cards/</loc><lastmod>2010-08-04T21:53:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/visa-unveils-rightcliq-shopping-app/</loc><lastmod>2010-08-04T17:13:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/consumers-shift-spending-from-appliances-and-apparel-to-iphones/</loc><lastmod>2010-08-04T17:07:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/new-smart-phone-app-can-settle-tabs-at-bars-and-eateries/</loc><lastmod>2010-08-04T14:07:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/mastercard-reports-strong-q2-global-card-and-debit-purchase-volume/</loc><lastmod>2010-08-04T12:56:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/high-end-restaurant-chains-say-business-travel-spending-up/</loc><lastmod>2010-08-04T12:33:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/04/a-monument-to-tolerance/</loc><lastmod>2010-08-04T12:30:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/mobile-may-be-the-key-to-ebays-comeback/</loc><lastmod>2010-08-03T16:17:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/americas-vending-machines-are-getting-high-tech-makeover/</loc><lastmod>2010-08-03T15:42:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/wagamama-restaurant-chain-up-for-sale/</loc><lastmod>2010-08-03T13:26:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/uks-tesco-offers-0-interest-rate-for-13-months-on-clubcard-credit-card/</loc><lastmod>2010-08-03T13:25:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/mastercard-names-new-emerging-payments-head/</loc><lastmod>2010-08-03T13:23:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/03/will-the-mobile-payments-jv-trounce-mastercard-and-visa/</loc><lastmod>2010-08-03T13:17:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/02/fed-study-swipe-fees-drive-up-consumers-costs/</loc><lastmod>2010-08-02T16:50:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/02/wal-mart-plans-to-retain-its-new-customers-with-new-decor/</loc><lastmod>2010-08-02T16:48:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/02/visa-says-justice-department-is-considering-antitrust-lawsuit-%c2%a0bloomberg/</loc><lastmod>2010-08-02T14:55:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/08/02/bling-stickers-at-paypals-hq/</loc><lastmod>2010-08-02T14:22:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/31/starbucks-to-expand-mobile-payment-efforts/</loc><lastmod>2010-07-31T13:36:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/31/visa-wont-say-much-about-impact-of-reg-reform/</loc><lastmod>2010-07-31T13:27:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/31/mobile-users-are-among-restaurants-most-valuable-customers/</loc><lastmod>2010-07-31T01:32:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/31/record-lows-continue-for-mortgage-rates/</loc><lastmod>2010-07-30T21:06:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/31/facebook-looking-to-buy-more-time-for-ipo/</loc><lastmod>2010-07-30T20:22:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/30/the-50-fastest-growing-restaurant-chains-in-the-u-s/</loc><lastmod>2010-07-30T17:37:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/30/buffett-succession-watch-meet-mr-li/</loc><lastmod>2010-07-30T13:57:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/30/four-reasons-brands-must-check-in-to-mobile-ordering-and-location-based-applications/</loc><lastmod>2010-07-30T12:17:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/29/durbin-sets-interchange-sights-on-government-payments/</loc><lastmod>2010-07-29T14:19:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/29/visa-operating-revenue-up-21-2/</loc><lastmod>2010-07-29T14:09:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/29/how-do-you-pack-a-stadium-provide-more-than-tv/</loc><lastmod>2010-07-29T13:52:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/28/indias-fuel-retailers-take-card-fight-to-regulator/</loc><lastmod>2010-07-28T14:25:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/28/moodys-visa-and-mastercard-not-immune-from-debit-interchange-rate-change-effects/</loc><lastmod>2010-07-28T14:23:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/28/is-it-time-to-try-mobile/</loc><lastmod>2010-07-28T13:26:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/28/darden-restaurants-employing-5000-fewer-people/</loc><lastmod>2010-07-28T12:11:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/28/real-estate-quote-of-the-day/</loc><lastmod>2010-07-28T05:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/27/report-mobile-users-are-finding-location-based-apps/</loc><lastmod>2010-07-27T16:35:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/27/new-billboards-can-identify-consumers-age-and-gender/</loc><lastmod>2010-07-27T16:24:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/27/giving-it-the-old-college-try/</loc><lastmod>2010-07-27T15:21:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/07/27/about-crystal-bridges-museum-of-american-art/</loc><lastmod>2010-07-27T14:50:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/02/credit-card-thieves-target-national-chains/</loc><lastmod>2010-07-27T13:47:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/04/new-private-label-pet-products-coming-to-supervalu/</loc><lastmod>2010-07-27T13:47:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/05/why-it-can-sometimes-pay-to-hire-a-dinosaur-from-outer-space/</loc><lastmod>2010-07-27T13:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/05/do-you-have-what-it-takes-to-be-an-entrepreneur/</loc><lastmod>2010-07-27T13:47:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/08/jpm-chase-brings-back-5-cash-back/</loc><lastmod>2010-07-27T13:47:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/08/wal-mart-restores-some-brands-to-shelves-after-shoppers-defect/</loc><lastmod>2010-07-27T13:47:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/10/bank-of-america-ends-debit-overdraft/</loc><lastmod>2010-07-27T13:47:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/10/neiman-marcus-reports-on-return-of-luxury-shoppers/</loc><lastmod>2010-07-27T13:47:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/11/target-launches-mobile-coupons-nationwide/</loc><lastmod>2010-07-27T13:46:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/11/martin-eagle-signs-on-as-heartlands-first-smartlink-client/</loc><lastmod>2010-07-27T13:46:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/11/mobile-terminal-piques-merchant-interest-iso-says/</loc><lastmod>2010-07-27T13:46:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/2010/03/15/tio-launches-mobile-payment-platform/</loc><lastmod>2010-07-27T13:46:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://stiel.org/</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2012-02-23T15:14:30+00:00</lastmod></url></urlset>

