<?xml version="1.0" encoding="utf-8"?><urlset xmlns="http://www.google.com/schemas/sitemap/0.84" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.google.com/schemas/sitemap/0.84 http://www.google.com/schemas/sitemap/0.84/sitemap.xsd"> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/jurisdiction-in-cross-border-insurance-disputes-uk/44143</loc>  <lastmod>2026-06-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-residents-compel-multiple-state-entities-to-fix-failing-infrastructure/44129</loc>  <lastmod>2026-06-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cryptocurrency-and-the-mangundhla-judgment-consequences-for-banking-finance-insurers-and-reinsurers/44132</loc>  <lastmod>2026-06-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/knowledge-notice-and-cancellation-crucial-lessons-from-dimension-church-us-judgment/44133</loc>  <lastmod>2026-06-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/breaking-the-chain-legal-causation-and-suicide-in-dependants-claims/44067</loc>  <lastmod>2026-05-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-questions-you-should-ask-about-ai-deployment/44044</loc>  <lastmod>2026-05-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-developments-regarding-the-fair-pay-bill/44046</loc>  <lastmod>2026-05-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/forever-debarred-the-ineffective-framework-for-reappointment-of-debarred-representatives-under-the-financial-advisory-and-intermediary-services-act/44040</loc>  <lastmod>2026-05-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-cold-calling-land-you-in-hot-water/44036</loc>  <lastmod>2026-05-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strategic-litigation-decisions-and-prescription-a-cautionary-tale/44013</loc>  <lastmod>2026-05-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/drones-operation-within-the-unique-south-african-insurance-market/43968</loc>  <lastmod>2026-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-law-and-ubuntu/43969</loc>  <lastmod>2026-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cautionary-tale-of-illegal-commission/43949</loc>  <lastmod>2026-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dismissal-for-want-of-prosecution-in-south-african-law-a-strategic-imperative-for-defendants/43941</loc>  <lastmod>2026-05-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/two-years-after-george-what-really-happens-when-a-building-collapses/43903</loc>  <lastmod>2026-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-professional-valuations-matter-and-why-they-are-no-longer-optional/43863</loc>  <lastmod>2026-04-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/white-labelling-in-health-insurance-what-the-centriq-dis-chem-ruling-means-for-insurers/43795</loc>  <lastmod>2026-04-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/draft-national-ai-policy-what-it-means-and-what-to-do-now/43799</loc>  <lastmod>2026-04-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-may-challenge-an-fsca-decision-practical-lessons-on-locus-standi-from-banxso-case/43824</loc>  <lastmod>2026-04-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/world-health-safety-day-new-coida-rules-create-significant-responsibilities-for-employers/43828</loc>  <lastmod>2026-04-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proving-arson-in-fire-insurance-claims/43774</loc>  <lastmod>2026-04-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ai-in-africa-regulations-are-catching-up-and-the-courts-are-already-there/43784</loc>  <lastmod>2026-04-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulatory-matters-policing-the-regulators-judicial-oversight-of-disciplinary-decisions/43806</loc>  <lastmod>2026-04-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/foreseeability-and-fault-reaffirming-the-bounds-of-delictual-liability/43762</loc>  <lastmod>2026-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claims-cooperation-and-follow-settlements-clauses/43740</loc>  <lastmod>2026-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lessons-from-court-a-practical-guide-for-private-bodies-responding-to-paia-requests/43769</loc>  <lastmod>2026-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-artificial-intelligence-is-rapidly-transforming-the-insurance-and-financial-services-sectors/43733</loc>  <lastmod>2026-04-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/non-life-insurance-in-the-form-of-construction-guarantees-are-subject-to-the-south-african-insurance-act/43736</loc>  <lastmod>2026-04-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/amendment-of-pleadings-and-prescription-when-changing-your-legal-basis-comes-too-late/43711</loc>  <lastmod>2026-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-who-is-responsible-when-ai-produces-false-statements/43683</loc>  <lastmod>2026-04-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-insurance-indemnification-for-civil-penalties/43684</loc>  <lastmod>2026-04-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/protests-inside-shopping-centres-rosks-for-centre-management-shoppers-and-employees/43659</loc>  <lastmod>2026-03-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-freak-accident-defence-how-foreseeability-can-defeat-an-infrastructure-claim/43640</loc>  <lastmod>2026-03-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tax-refunds-compliance-and-litigation-risk/43571</loc>  <lastmod>2026-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/enforcement-of-retirement-fund-contributions-the-withdrawal-of-the-variation-notice-and-the-employment-laws-amendment-bill-2025/43558</loc>  <lastmod>2026-03-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-significant-judgment-on-claims-made-professional-indemnity-policies-and-late-notification/43559</loc>  <lastmod>2026-03-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-is-emotional-distress-sufficient-to-ground-a-claim-for-damages/43579</loc>  <lastmod>2026-03-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claims-made-policies-and-notification-obligations-a-costly-lesson-on-timing/43502</loc>  <lastmod>2026-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popia-health-information-regulations-cross-the-finish-line/43549</loc>  <lastmod>2026-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-case-law-update-d-o-claims/43507</loc>  <lastmod>2026-03-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/after-the-dust-settles-what-happens-when-a-building-collapses-on-a-construction-site/43508</loc>  <lastmod>2026-03-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/copyright-meets-insurance-coverage-insurance-protection-in-the-age-of-intellectual-property-risk-lessons-from-the-us-judgment/43439</loc>  <lastmod>2026-03-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-does-a-business-rescue-practitioner-become-personally-liable-for-a-company-s-debts/43454</loc>  <lastmod>2026-02-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-vs-procedure-who-may-swear-discovery-under-rule-35/43333</loc>  <lastmod>2026-02-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/constitutional-court-ruling-understand-the-legal-implications-before-taking-the-next-step/43311</loc>  <lastmod>2026-02-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-litigation-and-the-anglo-boer-war-part-2/43203</loc>  <lastmod>2026-01-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/delictual-liability-consumer-protection-and-public-policy-an-sca-turning-point/43239</loc>  <lastmod>2026-01-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-litigation-and-the-anglo-boer-war-part-1/43202</loc>  <lastmod>2026-01-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ai-in-insurance-admissibility-accountability-and-legal-integrity/43141</loc>  <lastmod>2026-01-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/u-s-court-applies-interrelated-wrongful-acts-and-client-services-limits-to-defeat-pi-claim/43139</loc>  <lastmod>2026-01-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sufficient-knowledge-not-suspicion-clarifying-prescription-in-medical-malpractice-cases/43128</loc>  <lastmod>2026-01-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mandatory-mediation-a-costly-experiment-south-africa-can-t-afford/43041</loc>  <lastmod>2025-12-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-van-wyk-reshapes-parental-leave-impact-on-retirement-fund-benefits-and-risk-cover/42986</loc>  <lastmod>2025-11-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/whose-job-is-it-anyway-allocation-of-risk-in-slip-and-fall-claims/42993</loc>  <lastmod>2025-11-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-legal-twist-in-insurance-claims/42973</loc>  <lastmod>2025-11-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-your-dormant-trust-could-be-costing-you/42983</loc>  <lastmod>2025-11-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-sum-of-scattered-parts-what-constitutes-the-contract-of-insurance/42937</loc>  <lastmod>2025-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/keeping-credit-consumer-law-in-their-lanes-lessons-from-a-vehicle-finance-summary-judgment/42954</loc>  <lastmod>2025-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-courts-approach-to-withdrawal-of-admissions-and-compromise/42961</loc>  <lastmod>2025-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/late-means-late-u-s-court-affirms-coverage-bar-for-untimely-notice-under-claims-made-policy/42921</loc>  <lastmod>2025-11-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/joint-liability-for-a-fall-through-the-warehouse-roof-due-to-safety-failures/42922</loc>  <lastmod>2025-11-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-s-prudential-authority-issues-updated-climate-related-disclosure-guidance-for-banks-and-insurers/42891</loc>  <lastmod>2025-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-s-family-law-revolution-is-redefining-equality-at-home/42871</loc>  <lastmod>2025-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/back-to-basics-in-back-to-back-reinsurance/42860</loc>  <lastmod>2025-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/jurisdiction-drawn-at-the-line-tribunal-confirms-limits-of-the-pension-funds-authority/42846</loc>  <lastmod>2025-11-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/casting-caution-to-calderbank/42841</loc>  <lastmod>2025-11-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/make-sure-you-tick-all-the-boxes-when-closing-your-company-down-in-south-africa/42850</loc>  <lastmod>2025-11-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cybercrime-south-africa-s-silent-business-killer/42660</loc>  <lastmod>2025-10-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-duty-to-notify-of-non-renewal-and-broker-liability/42633</loc>  <lastmod>2025-10-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-constitutional-court-reshapes-parental-leave-legal-landscape-what-employers-and-employees-should-know/42608</loc>  <lastmod>2025-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/triggering-the-exclusion-how-a-firearms-clause-shielded-an-insurer-from-liability/42589</loc>  <lastmod>2025-10-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-perfect-storm-sars-crypto-and-compliance/42560</loc>  <lastmod>2025-09-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/employer-immunity-is-not-absolute-what-this-means-for-employment-practices-policies/42523</loc>  <lastmod>2025-09-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/education-authorities-held-liable-for-learner-s-death-at-stadium/42501</loc>  <lastmod>2025-09-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-critical-overview-of-the-sharing-economy-through-the-short-term-rental-regulatory-landscape/42496</loc>  <lastmod>2025-09-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/couples-living-together-do-you-i-have-a-right-to-remain-in-my-partner-s-house-if-they-pass-away/42445</loc>  <lastmod>2025-09-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/johannesburg-water-v-dark-fibre-africa-clarifying-the-definition-of-an-organ-of-state/42427</loc>  <lastmod>2025-09-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/from-pavement-to-plaintiff-the-legal-journey-of-a-fall/42428</loc>  <lastmod>2025-09-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-draft-tax-bill-hides-a-stealth-tax-in-your-unit-trust-investments/42384</loc>  <lastmod>2025-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-wording-matters-us-electromagnetic-field-ruling-offers-cautionary-tale-for-south-africa/42387</loc>  <lastmod>2025-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/estoppel-without-words-a-cross-border-lesson-for-south-african-insurers/42377</loc>  <lastmod>2025-09-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/5-things-to-know-when-establishing-a-private-equity-fund-in-africa/42355</loc>  <lastmod>2025-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/distinguishing-joint-and-composite-policies/42308</loc>  <lastmod>2025-08-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-critical-timing-of-dependent-status-in-pension-death-benefits/42243</loc>  <lastmod>2025-08-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-changes-to-south-africa-s-divorce-law-will-impact-property-ownership/42233</loc>  <lastmod>2025-08-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-fsca-ushers-in-a-new-era-for-pension-fund-administrators-after-23-years/42223</loc>  <lastmod>2025-08-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-landmark-constitutional-court-judgment-on-the-distribution-of-death-benefits/42218</loc>  <lastmod>2025-08-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-price-of-misrepresentation-warranties-and-the-cost-of-error/42215</loc>  <lastmod>2025-08-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/rescission-reinforced-u-s-court-grants-insurer-relief-for-misrepresentation-in-policy-application/42054</loc>  <lastmod>2025-07-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/getting-subrogation-wrong/42049</loc>  <lastmod>2025-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/georgia-federal-court-upholds-insurer-s-reliance-on-pollution-exclusion-for-chemical-leak-fatality/42028</loc>  <lastmod>2025-07-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/uk-court-of-appeal-on-understanding-policy-intent-through-pre-contractual-documents/41993</loc>  <lastmod>2025-07-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/litigating-in-the-shadows-how-the-western-cape-high-court-got-subrogation-wrong/41962</loc>  <lastmod>2025-07-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mandatory-mediation-some-more-developments/41927</loc>  <lastmod>2025-06-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/london-high-court-decision-highlights-broker-duties-and-the-reach-of-other-insurance-clauses/41883</loc>  <lastmod>2025-06-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exchange-controls-and-cryptocurrencies-what-the-recent-high-court-ruling-would-mean-for-capital-export-restrictions-south-africa/41833</loc>  <lastmod>2025-06-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/navigating-the-future-of-south-africa-s-national-payment-system-regulatory-framework/41837</loc>  <lastmod>2025-06-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ticket-to-liability/41815</loc>  <lastmod>2025-06-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/credit-insurance-under-scrutiny-court-enforces-fairness-in-lending-practices/41767</loc>  <lastmod>2025-06-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-holistic-retrenchment-playbook-for-employers-in-south-africa-section-189/41790</loc>  <lastmod>2025-06-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-vague-contracts-can-cost-you-millions-a-lesson-from-sedumedi-s-r2-3m-victory/41776</loc>  <lastmod>2025-06-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-shortcut-around-the-clock-tribunal-reaffirms-firm-stance-on-condonation-in-pension-fund-disputes/41730</loc>  <lastmod>2025-05-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mandatory-mediation-in-the-gauteng-high-court-the-pipla-challenge/41716</loc>  <lastmod>2025-05-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/rule-of-law-prevails-where-are-we-with-the-constitutional-challenge-to-the-nhi-act/41720</loc>  <lastmod>2025-05-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/loyalty-programmes-are-customers-cashing-in-or-is-sars-entitled-to-a-cut/41698</loc>  <lastmod>2025-05-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/perceived-clarity-real-confusion-unpacking-the-sca-s-henque-judgment/41672</loc>  <lastmod>2025-05-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/preserving-the-status-quo-in-pension-fund-disputes-insights-from-cadac-pension-fund-and-others-v-nash-and-others/41657</loc>  <lastmod>2025-05-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/video-evidence-seals-the-deal-high-court-enforces-suretyships/41658</loc>  <lastmod>2025-05-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/caution-to-motorists-the-case-of-simayile-sigijimi-v-road-accident-fund/41575</loc>  <lastmod>2025-05-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-limited-time-left-for-retirement-funds-to-comply-with-cybersecurity-and-cyber-resilience-requirement/41593</loc>  <lastmod>2025-05-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-j-vu-moss-v-road-accident-fund/41537</loc>  <lastmod>2025-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mandatory-mediation-in-the-gauteng-high-court-some-developments/41538</loc>  <lastmod>2025-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/navigating-the-retirement-maze-mechanisms-of-retirement-implementation/41534</loc>  <lastmod>2025-05-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mind-the-gap-municipal-liability-and-the-hidden-dangers-beneath-our-feet/41569</loc>  <lastmod>2025-05-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-and-constructive-knowledge-key-principles-from-a-recent-supreme-court-of-appeal-decision/41576</loc>  <lastmod>2025-05-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/understanding-employers-pension-fund-obligations-directors-personal-liability-for-unpaid-pension-contributions/41507</loc>  <lastmod>2025-04-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-litigation-the-prolonged-delay-on-general-damages-what-s-causing-it-and-how-do-we-fix-it/41531</loc>  <lastmod>2025-04-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mandatory-mediation-in-the-gauteng-high-court/41504</loc>  <lastmod>2025-04-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/joinder-of-third-party-in-slip-and-fall-case-a-legal-analysis/41490</loc>  <lastmod>2025-04-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ai-in-business-a-game-changer-but-not-a-legal-replacement/41495</loc>  <lastmod>2025-04-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/honesty-is-the-best-and-paramount-to-your-policy-mavela-v-outsurance/41466</loc>  <lastmod>2025-04-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-the-future-of-life-insurance-lies-in-prevention-not-only-protection/41442</loc>  <lastmod>2025-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policyholder-vs-insurer-a-legal-showdown-over-a-repudiated-claim/41416</loc>  <lastmod>2025-04-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/doctor-guilty-of-neither-murder-nor-culpable-homicide/41433</loc>  <lastmod>2025-04-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/broken-windows-unbroken-law-lessons-in-proving-negligence-and-duty-of-care/41397</loc>  <lastmod>2025-04-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/running-into-liability-the-legal-duty-of-care-in-running-events/41383</loc>  <lastmod>2025-04-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/navigating-claims-for-non-payment-what-you-need-to-know-in-2025/41356</loc>  <lastmod>2025-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-effective-use-of-disclaimer-notices-and-clauses-to-exclude-liability/41295</loc>  <lastmod>2025-03-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/beyond-the-disclaimer-sign-mitigating-slip-and-fall-liability-in-public-spaces/41279</loc>  <lastmod>2025-03-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-s-to-blame-court-finds-claimant-partially-liable-for-own-injuries/41193</loc>  <lastmod>2025-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/expropriation-without-compensation-implications-for-the-insurance-industry/41123</loc>  <lastmod>2025-02-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-credit-penalties-for-maintenance-missers/41130</loc>  <lastmod>2025-02-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-of-appeal-rules-on-composite-policies-in-covid-19-business-interruption-claims/41119</loc>  <lastmod>2025-02-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-surveillance-permissible-in-an-increasingly-privacy-conscious-world/41121</loc>  <lastmod>2025-02-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/easy-contracts-revolutionises-access-to-legal-documents/41061</loc>  <lastmod>2025-02-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-tracker-no-payout-court-denies-motor-insurance-claim/41044</loc>  <lastmod>2025-02-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-fine-print-in-claims-made-policies-when-a-claim-is-not-a-claim/40882</loc>  <lastmod>2025-01-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusion-clauses-in-claims-made-policies-what-insurers-need-to-know/40845</loc>  <lastmod>2025-01-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lessons-from-the-u-s-claims-made-policies-and-the-importance-of-objective-policy-terms-over-subjective-beliefs-or-assurances/40815</loc>  <lastmod>2025-01-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raising-the-bar-insights-on-why-sub-standard-expert-reports-fail-in-court-lessons-from-a-recent-insurance-repudiation-case/40743</loc>  <lastmod>2024-12-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-rules-public-liability-insurance-is-not-a-free-pass-for-careless-behaviour/40745</loc>  <lastmod>2024-12-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/after-the-lobola-negotiations-how-marriage-in-community-of-property-affects-homeownership/40698</loc>  <lastmod>2024-11-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/forensic-investigations-the-vitality-of-due-process-and-the-promise-of-ai-with-care/40638</loc>  <lastmod>2024-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-15-november-deadline-for-submission-of-trust-beneficial-owner-registers/40620</loc>  <lastmod>2024-11-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/obligations-of-insurers-related-to-cybersecurity-and-outsourcing/40598</loc>  <lastmod>2024-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contractual-damages-and-prescription/40585</loc>  <lastmod>2024-11-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-of-debts-arising-from-unlawful-administrative-actions/40550</loc>  <lastmod>2024-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-limits-vs-property-damage-lessons-from-hurricane-ian/40553</loc>  <lastmod>2024-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-chamber-of-financial-secrets-uncloaking-the-mysteries-of-administrative-penalties/40512</loc>  <lastmod>2024-10-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/alternative-dispute-resolution-mechanisms-in-the-criminal-justice-system/40398</loc>  <lastmod>2024-10-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/but-for-test-in-action-uncovering-the-contractual-liability-exclusion-in-d-o-policies/40369</loc>  <lastmod>2024-10-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/supreme-court-of-appeal-sca-ruling-underlines-the-importance-of-personal-responsibility-in-cybersecurity/40321</loc>  <lastmod>2024-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/slip-and-fall-claim-doomed-on-account-of-disclaimer-notices/40221</loc>  <lastmod>2024-09-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/safeguarding-retirement-funds-from-fraudulent-savings-pot-withdrawals/40217</loc>  <lastmod>2024-09-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/not-legally-married-how-does-this-affect-your-estate-planning/40198</loc>  <lastmod>2024-09-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-timely-reminder-for-ex-employers-on-requirements-to-be-satisfied-for-withholding-ex-employees-pension-fund-benefits/40163</loc>  <lastmod>2024-09-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-standard-act-insurer-s-repudiation-due-to-non-compliance-with-sans-10400/40105</loc>  <lastmod>2024-09-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/restraint-of-trade-clauses-balancing-employees-rights-to-work-versus-employers-proprietary-interests/39978</loc>  <lastmod>2024-08-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-insurance-what-happens-when-the-insurer-and-policyholder-disagree-on-settling-the-matter/39821</loc>  <lastmod>2024-07-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/i-have-been-served-with-a-summons-now-what/39757</loc>  <lastmod>2024-07-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-exposure-for-cyber-fraud-overturned/39563</loc>  <lastmod>2024-06-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-battle-over-towed-vehicle-ends-in-favour-of-insurer/39529</loc>  <lastmod>2024-06-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fica-sanctions-for-financial-services-providers/39284</loc>  <lastmod>2024-04-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pfas-insurance-liability-and-personal-injury-sweden/39255</loc>  <lastmod>2024-04-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/aggregation-covid-19-and-catastrophe-uk/39241</loc>  <lastmod>2024-04-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tribunal-decides-whether-significant-owner-of-life-insurer-is-financially-fit-and-proper/39201</loc>  <lastmod>2024-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bump-up-exclusion-defeats-90-million-securities-insurance-claim-us/39202</loc>  <lastmod>2024-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/standardising-insurance-policy-common-terms-in-australia/39185</loc>  <lastmod>2024-04-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-businesses-should-care-about-the-ins-and-outs-of-international-arbitration/39160</loc>  <lastmod>2024-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-time-runs-out-a-court-s-take-on-the-timely-assessment-of-insurance-claims/39121</loc>  <lastmod>2024-04-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lloyd-s-2-0-metallica-0-0-for-covid-19-concert-cancellation-claim/39093</loc>  <lastmod>2024-03-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-jury-finds-insurer-liable-for-crash-by-deployed-tow-truck/39094</loc>  <lastmod>2024-03-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/medical-expenses-paid-by-medical-aid-are-not-deductible-from-damages/39066</loc>  <lastmod>2024-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/voetstoots-clauses-cannot-be-fixed-with-a-fresh-coat-of-paint/39067</loc>  <lastmod>2024-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/powers-of-attorney-know-the-facts-to-avoid-these-pitfalls/39032</loc>  <lastmod>2024-03-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/3-7-million-pool-damage-claim-not-insured-because-of-business-risk-and-professional-liability-exclusions-us-case/38976</loc>  <lastmod>2024-03-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/an-accident-includes-successive-events-without-interruption-under-the-montreal-convention/38963</loc>  <lastmod>2024-03-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dishonest-insurance-claim-materiality/38955</loc>  <lastmod>2024-03-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-material-misrepresentation-and-non-disclosure-fire-insurance/38956</loc>  <lastmod>2024-03-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/an-insurer-is-not-a-cpa-supplier/38929</loc>  <lastmod>2024-03-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/donor-settlor-intention-is-relevant-when-interpreting-a-trust-deed/38921</loc>  <lastmod>2024-02-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/company-is-liable-for-chatbot-miscommunications-holds-canadian-tribunal/38906</loc>  <lastmod>2024-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/beyond-60-landmark-judgment-upholds-right-to-work-challenges-retirement-norms/38882</loc>  <lastmod>2024-02-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-and-medical-schemes/38869</loc>  <lastmod>2024-02-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/duties-of-auditors-and-compliance-officers-are-owed-to-intermediary-not-third-party-insurers/38870</loc>  <lastmod>2024-02-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/full-and-final-settlement-not-so-final-the-impact-of-section-156-of-the-insolvency-act-on-insurance-claims/38833</loc>  <lastmod>2024-02-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-brokers-and-restraint-of-trade/38824</loc>  <lastmod>2024-02-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/gross-negligence-vs-negligence/38801</loc>  <lastmod>2024-02-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/relying-on-res-ipsa-loquitur-when-the-roof-falls-in/38773</loc>  <lastmod>2024-02-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-not-to-prosecute-an-insurance-claim/38737</loc>  <lastmod>2024-02-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/farmers-liable-for-motorist-s-collision-with-calf/38734</loc>  <lastmod>2024-02-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-does-not-cover-deliberate-conduct-us/38713</loc>  <lastmod>2024-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-delighted-at-the-long-sentence-imposed-on-a-thieving-lawyer/38695</loc>  <lastmod>2024-01-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/role-of-intention-and-punctuation-when-interpreting-insurance-guarantees/38686</loc>  <lastmod>2024-01-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/indemnity-schemnity/38691</loc>  <lastmod>2024-01-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/unhappy-birthday-200k-rented-car-not-covered-under-motor-policy-us/38641</loc>  <lastmod>2024-01-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-insurance-extended-prescription-for-s-77-claims-against-directors/38642</loc>  <lastmod>2024-01-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sky-uk-limited-v-riverstone-management-agency-limited/38643</loc>  <lastmod>2024-01-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-of-a-claim-by-operation-of-law-is-not-a-void-transfer-of-rights-by-a-party-uk/38633</loc>  <lastmod>2024-01-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/being-a-fais-key-individual-is-not-an-easy-gig/38618</loc>  <lastmod>2024-01-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/special-extinctive-prescription-provisions-for-professional-negligence-claims-against-legal-practitioners/38607</loc>  <lastmod>2024-01-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-war-exclusion-proximate-cause-uk/38590</loc>  <lastmod>2024-01-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/construct-all-risks-insurance-policy-period-of-insurance-uk/38589</loc>  <lastmod>2023-12-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/vehicle-as-tool-of-trade-and-worksite-insurance-exclusion-aus/38575</loc>  <lastmod>2023-12-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/debarment-orders-administrative-penalties-and-procedural-fairness-under-the-financial-sector-regulation-act/38533</loc>  <lastmod>2023-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-treacherous-landscape-of-prescription/38526</loc>  <lastmod>2023-12-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/crypto-providers-running-out-of-time-as-30-november-deadline-looms/38478</loc>  <lastmod>2023-11-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/builder-s-risk-insurance-is-honeycombing-of-concrete-damage-usa-part-2/38450</loc>  <lastmod>2023-11-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/builder-s-risk-insurance-perils-exclusion-usa-part-3/38451</loc>  <lastmod>2023-11-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ride-hailing-driver-using-rented-vehicle-insurance-excluded-as-regular-use-vehicle-us/38442</loc>  <lastmod>2023-11-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-sanctions-clause-in-re-insurance-contracts/38443</loc>  <lastmod>2023-11-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/starting-now-all-new-parents-get-maternity-leave/38430</loc>  <lastmod>2023-11-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/marijuana-growers-fire-insurance-claim-rejected-for-lack-of-sprinklers-us/38416</loc>  <lastmod>2023-11-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/baker-mckenzie-successfully-represents-pro-bono-client-in-precedent-setting-case-regarding-financial-service-providers-duty-of-care-to-protect-clients-from-cybercrime/38405</loc>  <lastmod>2023-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-risk-modelling-alone-will-not-narrow-the-protection-gap-for-peak-cyber-perils/38384</loc>  <lastmod>2023-11-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-settlement-agreements-and-unknown-future-losses-aus/38374</loc>  <lastmod>2023-11-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-road-accident-fund-welcomes-the-arrest-of-an-attorney-who-allegedly-stole-raf-money-awarded-to-a-widow/38350</loc>  <lastmod>2023-11-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/builder-s-risk-insurance-is-honeycombing-of-concrete-damage-usa-part-1/38354</loc>  <lastmod>2023-11-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-breach-of-warranty-and-material-misrepresentation/38336</loc>  <lastmod>2023-11-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/constitutional-court-decision-on-divorce-could-result-in-splitting-of-pension-interest/38318</loc>  <lastmod>2023-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ransomware-and-the-obligation-to-stop-fraud/38310</loc>  <lastmod>2023-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-contractual-non-variation-clause-means-just-that/38290</loc>  <lastmod>2023-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/people-planet-profit-balance-important-lessons-for-sa-on-esg-litigation-a-global-perspective/38268</loc>  <lastmod>2023-10-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-interpretation-and-contracts-work-exclusion-australia/38235</loc>  <lastmod>2023-10-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/more-about-contra-proferentem-australia/38216</loc>  <lastmod>2023-10-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/suicide-proximate-cause-new-intervening-cause-and-insurance/38208</loc>  <lastmod>2023-10-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-the-essential-character-of-a-bicycle-for-customs-duty/38179</loc>  <lastmod>2023-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/in-sickness-and-in-war-insurance-coverage-for-global-events/38160</loc>  <lastmod>2023-10-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reinstatement-value-conditions-equivalent-upheld-in-us/38121</loc>  <lastmod>2023-10-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/recent-reminder-by-courts-respect-restraints-or-pay-the-price/38031</loc>  <lastmod>2023-10-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-interpretation-flood-endorsement-botswana/37989</loc>  <lastmod>2023-09-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/accumulation-concerns-for-cyber-business/37972</loc>  <lastmod>2023-09-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/other-insurance-clauses-lead-to-pro-rata-sharing-no-matter-how-elaborate-us/37965</loc>  <lastmod>2023-09-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-the-circumstances-and-remedies-for-an-insurer-s-compromised-rights/37927</loc>  <lastmod>2023-09-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-in-duplum-rule-does-not-apply-to-late-payment-interest-on-arrear-pension-fund-contributions-owed-by-participating-employers/37928</loc>  <lastmod>2023-09-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-claims-rejection-for-failure-of-insured-to-submit-to-examination-under-oath-us/37922</loc>  <lastmod>2023-09-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tightening-the-screws-can-an-employer-really-still-withhold-pension-benefits/37890</loc>  <lastmod>2023-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/navigating-love-and-finances-building-a-strong-foundation-for-your-marriage/37896</loc>  <lastmod>2023-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/beyond-national-wills-week-what-happens-to-your-finances-when-you-die/37897</loc>  <lastmod>2023-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/building-regulation-exclusions-in-a-liability-policy-aus/37847</loc>  <lastmod>2023-09-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/arising-from-in-connection-with-directly-or-indirectly-arising-directly-or-indirectly-from-or-in-any-way-connected-with-insurance-aus/37848</loc>  <lastmod>2023-09-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-medical-schemes-act-on-motor-vehicle-accidents-payments/37843</loc>  <lastmod>2023-09-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bankers-blanket-bond-insurance/37785</loc>  <lastmod>2023-08-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/non-disclosure-of-termite-infestation-in-house-sale-is-not-insured-property-damage-and-emotional-distress-exclusion-applied-us/37769</loc>  <lastmod>2023-08-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/retrospective-pension-fund-rule-amendments-not-registered-by-fsca-do-not-bind-members-says-concourt/37744</loc>  <lastmod>2023-08-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/director-must-refund-defence-costs-to-d-o-insurer-despite-alleged-partial-success-us/37736</loc>  <lastmod>2023-08-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/draft-guidance-note-for-insurers-climate-related-risks/37703</loc>  <lastmod>2023-08-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fintech-and-treating-customers-fairly/37693</loc>  <lastmod>2023-08-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-ticking-clock-of-justice-understanding-prescription-in-medical-malpractice-claims/37656</loc>  <lastmod>2023-08-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurable-interest-uk/37641</loc>  <lastmod>2023-08-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/requirements-for-and-interpretation-of-a-trust-deed/37630</loc>  <lastmod>2023-08-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/events-conditions-and-benefit-groups-in-a-life-policy-lead-to-multiple-claims/37574</loc>  <lastmod>2023-07-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-entitled-to-provide-security-for-disputed-storage-costs-to-get-vehicle-released/37566</loc>  <lastmod>2023-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/discovery-case-sca-confirms-that-fraud-can-lead-to-the-forfeiture-of-a-partly-valid-and-partly-fraudulent-claim/37502</loc>  <lastmod>2023-07-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/delivery-of-record-for-paja-review-rule-53/37493</loc>  <lastmod>2023-07-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpretation-rules-protection-afforded-to-the-insured-against-repudiation/37484</loc>  <lastmod>2023-07-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/update-on-crypto-assets-as-a-financial-product/37467</loc>  <lastmod>2023-07-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/vehicle-as-tool-of-trade-and-loading-under-insurance-exclusion-aus/37468</loc>  <lastmod>2023-07-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraud-is-fraud-even-in-insurance/37385</loc>  <lastmod>2023-07-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-is-a-condition-precedent-to-trigger-invocation-of-an-exclusion-clause/37426</loc>  <lastmod>2023-07-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/company-confidential-shareholding-days-are-over-deadline-for-cipc-beneficial-ownership/37427</loc>  <lastmod>2023-07-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sars-gazettes-new-era-for-trusts-aiming-at-trustees-and-beneficiaries/37417</loc>  <lastmod>2023-07-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/problems-with-other-insurance-clauses/37380</loc>  <lastmod>2023-07-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-insurance-at-the-premises-and-causation-uk/37340</loc>  <lastmod>2023-06-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/voetstoots-clause-does-not-cover-fraudulent-misrepresentation/37331</loc>  <lastmod>2023-06-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/breach-of-an-insurance-policy-may-lead-to-damages-not-cancellation/37316</loc>  <lastmod>2023-06-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-emerging-risk-insights/37297</loc>  <lastmod>2023-06-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insureds-the-duty-to-act-in-good-faith-and-fraud-clauses-part-2/37276</loc>  <lastmod>2023-06-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claims-tainted-by-fraud-are-wholly-recoverable-by-insurers/37285</loc>  <lastmod>2023-06-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insureds-the-duty-to-act-in-good-faith-and-fraud-clauses-part-1/37262</loc>  <lastmod>2023-06-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-reminder-on-how-to-accurately-determine-quantum-in-motor-vehicle-collisions/37243</loc>  <lastmod>2023-06-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-non-life-insurer-can-insure-its-first-party-risks/37234</loc>  <lastmod>2023-06-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/school-injury-and-liability/37191</loc>  <lastmod>2023-06-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurable-interest-and-unascertained-bulk-goods-in-storage-or-transit-uk/37179</loc>  <lastmod>2023-06-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/homeowners-policy-excludes-claim-for-excessive-rainfall-damage-us/37123</loc>  <lastmod>2023-05-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/does-a-duty-to-disclose-to-your-insurer-cease-if-so-when/37128</loc>  <lastmod>2023-05-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/revisiting-repudiation-of-a-contract/37099</loc>  <lastmod>2023-05-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-court-refuses-to-apply-war-exclusion-to-cyberattack/37075</loc>  <lastmod>2023-05-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-do-i-change-my-marital-regime/37051</loc>  <lastmod>2023-05-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/updates-to-licensing-requirements-for-crypto-asset-fsps/37016</loc>  <lastmod>2023-05-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/where-parties-reach-a-settlement-it-puts-an-end-to-dispute-and-any-litigation/36984</loc>  <lastmod>2023-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fais-debarment-an-honest-person-with-integrity/36967</loc>  <lastmod>2023-05-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-does-not-run-against-a-mentally-incapacitated-claimant-despite-having-a-curator/36968</loc>  <lastmod>2023-05-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-jurisdictional-requirements-for-fais-debarment/36955</loc>  <lastmod>2023-05-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-fais-act-and-debarment-fit-and-proper/36940</loc>  <lastmod>2023-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-s-potential-copyright-calamity/36896</loc>  <lastmod>2023-04-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/more-than-3-2-million-south-africans-may-become-spouses-in-2023/36856</loc>  <lastmod>2023-04-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/avoiding-fica-fiascos-compliance-with-march-2023-fica-directives/36820</loc>  <lastmod>2023-04-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-tale-of-the-unluckiest-yacht-why-you-need-insurance/36714</loc>  <lastmod>2023-03-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-checklist-for-south-african-fintech-companies-preparing-to-take-wing/36722</loc>  <lastmod>2023-03-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/compromise-settlement-agreements/36693</loc>  <lastmod>2023-03-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-officers-insurance-exclusion-for-director-gaining-personal-advantage-aus/36694</loc>  <lastmod>2023-03-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proving-factual-causation-in-personal-injury-claims/36683</loc>  <lastmod>2023-03-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-insurance-welding-exclusion-what-is-spark-producing-equipment-australia/36631</loc>  <lastmod>2023-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claim-for-punitive-constitutional-damages-after-tender-is-set-aside-fails/36596</loc>  <lastmod>2023-03-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-lose-subrogation-rights-due-to-underlying-contract-waiver-us/36589</loc>  <lastmod>2023-03-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-climate-change-will-overturn-force-majeure-clauses-in-renewable-energy-contracts/36579</loc>  <lastmod>2023-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-reasonable-precautions/36544</loc>  <lastmod>2023-03-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/large-medical-negligence-claims-frustrate-obligation-on-the-state-to-provide-healthcare-services/36522</loc>  <lastmod>2023-03-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/life-insurance-and-fraud/36491</loc>  <lastmod>2023-02-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-reminder-to-employers-failure-to-guard-against-foreseeable-harm-at-the-workplace-may-attract-liability/36471</loc>  <lastmod>2023-02-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/failure-of-school-to-provide-proper-first-aid-providers-at-a-rugby-match-is-negligent/36443</loc>  <lastmod>2023-02-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/delictual-liability-a-text-book-claim/36425</loc>  <lastmod>2023-02-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ombud-holds-insurer-liable-to-pay-on-equitable-grounds/36417</loc>  <lastmod>2023-02-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-onus-to-demonstrate-insurable-interest/36319</loc>  <lastmod>2023-02-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-ceo-and-board-ordered-to-pay-costs-out-of-their-own-pockets-for-frustrating-the-judicial-process/36312</loc>  <lastmod>2023-02-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/beware-of-accidental-cyber-coverage/36298</loc>  <lastmod>2023-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-new-rules-for-advertising-crypto-asset/36277</loc>  <lastmod>2023-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescribed-rate-of-interest-is-10-5-from-1-january-2023/36250</loc>  <lastmod>2023-01-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-indemnity-denied-because-insured-withheld-material-financial-information-us/36240</loc>  <lastmod>2023-01-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/uk-court-refuses-south-africa-s-claim-to-2-364-bars-of-silver-lost-in-the-indian-ocean-in-1942/36234</loc>  <lastmod>2023-01-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/disclaimer-notices-and-gross-negligence/36218</loc>  <lastmod>2023-01-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/time-bars-in-insurance-policies-and-pleadings/36206</loc>  <lastmod>2023-01-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ruling-on-conveyancer-s-liability-for-cyber-fraud-losses/36208</loc>  <lastmod>2023-01-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/indemnity-backing-an-insurance-guarantee-within-a-group-of-companies-without-section-45-compliance-is-void/36200</loc>  <lastmod>2023-01-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/president-ramaphosa-signs-act-introducing-foreign-concepts-into-sa-trust-law/36161</loc>  <lastmod>2023-01-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/general-liability-insurance-and-statutory-pollution-clean-up-obligations/36129</loc>  <lastmod>2022-12-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/forklift-injury-not-excluded-by-ambiguous-exclusion/36112</loc>  <lastmod>2022-12-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-meaning-of-sudden-unintended-and-unexpected-happening/36071</loc>  <lastmod>2022-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-is-a-sub-subcontractor-an-insured-aus/36054</loc>  <lastmod>2022-12-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-reasonable-precautions/36017</loc>  <lastmod>2022-11-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-common-interest-legal-professional-privilege/36009</loc>  <lastmod>2022-11-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/considerations-for-bringing-a-curatorship-application/35999</loc>  <lastmod>2022-11-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proposed-law-will-increase-disclosure-of-control-of-trusts/35951</loc>  <lastmod>2022-11-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-occupier-of-a-property-has-a-legal-duty-to-prevent-foreseeable-harm-to-persons-visiting-the-property/35931</loc>  <lastmod>2022-11-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-nature-of-a-broker-s-mandate/35899</loc>  <lastmod>2022-11-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/rental-covid-19-and-impossibility-to-pay-rent/35880</loc>  <lastmod>2022-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/in-connection-with-insurance-policies-uk/35881</loc>  <lastmod>2022-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-claims-savings-and-government-assistance-uk/35872</loc>  <lastmod>2022-11-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/business-interruption-claims-and-additional-increased-cost-of-working-uk/35857</loc>  <lastmod>2022-11-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/loss-of-use-of-computer-server-is-not-tangible-physical-loss-us/35826</loc>  <lastmod>2022-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-constitutes-a-contract/35834</loc>  <lastmod>2022-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulation-on-crypto-assets/35725</loc>  <lastmod>2022-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pre-employment-background-checks-essential-in-verifying-job-candidates-are-who-they-claim-to-be/35726</loc>  <lastmod>2022-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-and-claims-for-interest-on-late-payments/35710</loc>  <lastmod>2022-10-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-rejection-time-bar-clauses-and-rejection-of-insurance-claims-botswana/35698</loc>  <lastmod>2022-10-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-replacement-of-a-statute-aus/35665</loc>  <lastmod>2022-10-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/property-insurance-calculation-of-total-loss/35648</loc>  <lastmod>2022-10-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-does-duty-of-care-mean-in-medical-malpractice/35630</loc>  <lastmod>2022-10-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/downing-of-flight-17-by-russian-backed-separatists-was-insurrection-under-war-exclusion-us/35610</loc>  <lastmod>2022-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/uk-conduct-authority-backlog-causing-serious-frustration/35602</loc>  <lastmod>2022-10-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cover-afforded-by-umbrella-policy-means-cover-provided-us/35589</loc>  <lastmod>2022-10-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reviewing-another-professional-s-work-can-have-liability-ramifications/35591</loc>  <lastmod>2022-10-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mould-damage-from-burst-pipe-not-caused-solely-by-mould-us/35578</loc>  <lastmod>2022-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/medical-schemes-cannot-refuse-to-pay-for-single-available-treatment-of-a-rare-condition-because-it-is-not-prevalent/35579</loc>  <lastmod>2022-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fnb-sees-50-increase-in-sme-legal-cover-policies/35584</loc>  <lastmod>2022-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-excluded-for-motor-vehicle-used-as-tool-of-trade-aus/35534</loc>  <lastmod>2022-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/motor-policy-indemnity-refused-for-kidnap-and-assault-by-insured-using-insured-vehicle-us/35507</loc>  <lastmod>2022-09-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-circumstances-must-be-disclosed-by-a-director-negotiating-a-contract-aus/35472</loc>  <lastmod>2022-09-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-are-circumstances-known-to-a-director-under-a-d-o-policy-aus/35452</loc>  <lastmod>2022-09-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/keeping-a-company-s-contract-alive-creates-a-personal-advantage-for-a-director-under-d-o-policy-exclusion-aus/35431</loc>  <lastmod>2022-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/email-to-unattended-mailbox-is-a-claim-made-under-insurance-policy-aus/35420</loc>  <lastmod>2022-09-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/optimise-your-family-business-and-safeguard-your-relationships-with-a-family-business-constitution/35398</loc>  <lastmod>2022-09-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claim-rejected-for-misrepresentation-and-fraudulent-claim-aus/35383</loc>  <lastmod>2022-09-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/slips-trips-and-independent-contractors/35370</loc>  <lastmod>2022-09-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-occurrence-and-aggregation-clauses/35331</loc>  <lastmod>2022-08-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-professional-services-exclusion-applies-to-a-sleep-study-company-us/35332</loc>  <lastmod>2022-08-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/learning-from-the-medical-malpractice-crisis-avoiding-the-boiled-frog/35318</loc>  <lastmod>2022-08-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/information-regulator-issues-guidance-on-popia-data-breach-notifications/35305</loc>  <lastmod>2022-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/more-about-peremption/35274</loc>  <lastmod>2022-08-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cybercrime-held-to-be-a-social-engineering-loss-not-computer-fraud-under-policy/35259</loc>  <lastmod>2022-08-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-bit-about-follow-the-lead-clauses/35249</loc>  <lastmod>2022-08-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurtech-confidential-information-and-passing-off/35227</loc>  <lastmod>2022-08-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-of-d-o-claims-made-insurance-claims-australia/35210</loc>  <lastmod>2022-08-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/vicarious-liability-when-an-employee-commits-an-intentional-wrong/35205</loc>  <lastmod>2022-08-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-and-officers-insurance-and-material-non-disclosure-misrepresentation-australia/35177</loc>  <lastmod>2022-08-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/composite-insurance-policies/35163</loc>  <lastmod>2022-08-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-co-insurance-and-car-insurance-policies/35145</loc>  <lastmod>2022-08-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/developments-in-the-regulation-of-open-finance/35116</loc>  <lastmod>2022-07-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-causation-and-a-sasria-peril/35093</loc>  <lastmod>2022-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-advice-for-entrepreneurs-what-does-popi-mean-for-my-business/35101</loc>  <lastmod>2022-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-of-insurance-claim/35075</loc>  <lastmod>2022-07-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/are-you-a-drone-spy-legal-implications-of-the-private-operation-of-drones-and-the-right-to-privacy/35076</loc>  <lastmod>2022-07-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/shooting-death-excluded-from-insurance-by-battery-and-weapons-exception-us/35050</loc>  <lastmod>2022-07-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fsca-continues-its-clean-up-of-the-online-broking-industry/35026</loc>  <lastmod>2022-07-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-policies-and-the-quality-of-the-drafting-australian-judgment/34988</loc>  <lastmod>2022-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-esg/34963</loc>  <lastmod>2022-07-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-insurance-and-esg/34936</loc>  <lastmod>2022-07-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/all-risks-claimant-is-required-by-law-to-prove-cause-of-event-for-insurance-claim-us/34916</loc>  <lastmod>2022-07-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/double-insurance-australia/34887</loc>  <lastmod>2022-07-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/negligent-conduct-does-not-automatically-attract-liability/34853</loc>  <lastmod>2022-06-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pending-covid-19-cases-uk/34840</loc>  <lastmod>2022-06-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-insurance-derivative-claims-and-esg-uk/34821</loc>  <lastmod>2022-06-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contractual-liability-exclusions-in-insurance-policies-canada/34792</loc>  <lastmod>2022-06-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/commissioner-of-oaths-can-you-depose-an-affidavit-virtually/34812</loc>  <lastmod>2022-06-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/breach-of-claims-co-operation-obligation-and-rejection-and-cancellation-of-a-policy/34783</loc>  <lastmod>2022-06-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-metaverse-non-fungible-tokens-and-how-to-protect-your-brand-within-this-digital-phenomenon/34798</loc>  <lastmod>2022-06-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-metaverse-non-fungible-tokens-how-to-protect-your-brand-in-this-new-world/34799</loc>  <lastmod>2022-06-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/copyright-and-non-fungible-tokens-nfts-the-basic-principles-remain/34800</loc>  <lastmod>2022-06-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claim-is-not-made-during-claims-made-policy-period-until-formally-made/34691</loc>  <lastmod>2022-06-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/storm-insurance-and-landslip/34669</loc>  <lastmod>2022-06-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/damages-for-data-breach-require-actual-harm-us/34662</loc>  <lastmod>2022-06-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-liability-of-a-shop-owner-in-a-slip-and-trip-incident/34639</loc>  <lastmod>2022-05-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/shop-owners-need-to-reasonably-protect-their-patrons/34616</loc>  <lastmod>2022-05-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-test-for-negligence/34577</loc>  <lastmod>2022-05-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/baby-sitting-may-be-a-business-under-an-insurance-policy-exclusion-and-a-word-on-ambiguity-us/34587</loc>  <lastmod>2022-05-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurable-interest-england/34564</loc>  <lastmod>2022-05-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-liquidation-and-business-rescue/34560</loc>  <lastmod>2022-05-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/warranty-and-indemnity-insurance/34546</loc>  <lastmod>2022-05-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/entitlement-to-indemnity-and-interests-of-other-parties-clause-australia/34534</loc>  <lastmod>2022-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/third-party-cell-captive-conduct-standard-tabled-in-parliament/34543</loc>  <lastmod>2022-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-insurance-cover-for-assault-because-of-assault-battery-exclusion-us/34515</loc>  <lastmod>2022-05-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-insurance-claims/34496</loc>  <lastmod>2022-05-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-african-competition-commission-publishes-practice-note-on-the-promotion-of-competition-and-inclusion-in-supplier-panels-of-banks-and-insurers/34452</loc>  <lastmod>2022-05-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/section-37c-and-the-allocation-of-fund-death-benefits-how-much-weight-does-a-beneficiary-nomination-really-carry/34422</loc>  <lastmod>2022-05-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dismissal-on-fair-ground/34387</loc>  <lastmod>2022-04-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-recourse-for-employees-who-are-injured-as-a-result-of-vaccinations/34372</loc>  <lastmod>2022-04-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/declining-to-quote-is-not-a-refusal-to-insure/34343</loc>  <lastmod>2022-04-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-reasonable-precautions-clauses-australia/34287</loc>  <lastmod>2022-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-and-meaning-of-self-insured-retention-us/34288</loc>  <lastmod>2022-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pollution-exclusions-and-a-possible-claim-us/34266</loc>  <lastmod>2022-04-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/data-hack-leading-to-payment-card-replacements-indemnified-under-general-liability-policy/34232</loc>  <lastmod>2022-04-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/beneficiaries-rights-to-information-in-a-trust/34179</loc>  <lastmod>2022-03-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-insurance-claims-and-denial-of-access-non-damage-cover-uk/34080</loc>  <lastmod>2022-03-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-supreme-court-of-appeal-delivers-a-strong-message-to-sa-s-insolvent-post-office/34051</loc>  <lastmod>2022-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insuring-cyber-risks-remember-its-ot-as-well-as-it/34017</loc>  <lastmod>2022-03-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-contamination-exclusion-upheld-as-unambiguous-and-properly-located-in-policy/34008</loc>  <lastmod>2022-03-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/consequent-upon-in-policy-wording-connotes-but-for-causation-us/33950</loc>  <lastmod>2022-02-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/review-of-a-decision-by-the-life-insurance-ombudsman/33938</loc>  <lastmod>2022-02-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ten-things-to-know-about-insurance-regulation-in-the-asia-pacific-region-2022/33867</loc>  <lastmod>2022-02-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/meaning-of-accident-in-zambian-insurance-law/33773</loc>  <lastmod>2022-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/are-personal-rights-assets-for-capital-gains-tax-purposes/33778</loc>  <lastmod>2022-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-is-liable-if-the-covid-vaccine-goes-wrong/33748</loc>  <lastmod>2022-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-ccma-finds-a-company-s-decision-to-dismiss-an-unvaccinated-employee-substantively-fair/33738</loc>  <lastmod>2022-01-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/meaning-of-whatsoever-nature-and-howsoever-arising/33712</loc>  <lastmod>2022-01-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-disclaimer-clause-lives/33696</loc>  <lastmod>2022-01-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-claims-and-virus-exclusions-usa/33620</loc>  <lastmod>2022-01-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-law-does-not-require-impossibilities-and-its-effect-on-prescription/33604</loc>  <lastmod>2021-12-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-fall-walking-from-bed-to-desk-at-home-is-a-workplace-accident-germany/33612</loc>  <lastmod>2021-12-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-proceeds-of-an-insurance-life-policy-benefitting-an-insolvent-belong-to-their-trustee/33572</loc>  <lastmod>2021-12-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-insurance-claims-and-closure-orders-by-civil-authorities-usa-part-4/33566</loc>  <lastmod>2021-12-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/are-valid-claims-tainted-by-fraud-recoverable/33568</loc>  <lastmod>2021-12-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-insurance-claims-and-absence-of-a-virus-exclusion-usa-part-3/33555</loc>  <lastmod>2021-12-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-insurance-claims-and-suspension-due-to-direct-physical-loss-usa-part-2/33554</loc>  <lastmod>2021-12-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-insurance-claims-and-direct-physical-damage-usa-part-1/33531</loc>  <lastmod>2021-12-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ombud-must-apply-appropriate-processes-to-disputes-of-fact/33524</loc>  <lastmod>2021-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-claims-and-rental-remission/33513</loc>  <lastmod>2021-12-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/avoidance-of-insurance-policies-moral-hazard-and-inducement-uk/33502</loc>  <lastmod>2021-12-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fitness-and-propriety-re-significant-owner-s-deadline-1-december-2021/33413</loc>  <lastmod>2021-11-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-insurance-and-joint-retainer-privilege/33403</loc>  <lastmod>2021-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/professional-indemnity-insurance-and-aggregation-of-claims-uk/33350</loc>  <lastmod>2021-11-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fais-debarment-and-what-constitutes-honesty-and-integrity/33347</loc>  <lastmod>2021-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/wrongfulness-and-liability-for-injury-by-animals/33328</loc>  <lastmod>2021-11-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/householders-liability-insurance-exclusion-for-anyone-who-usually-lives-at-the-insured-address-australia/33313</loc>  <lastmod>2021-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/conversion-of-non-life-licence-results-in-lapse-of-accident-and-health-policies/33288</loc>  <lastmod>2021-11-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/business-interruption-non-damage-extension-insurance-indemnity-periods/33273</loc>  <lastmod>2021-11-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-jury-rejects-restaurant-covid-19-insurance-claim/33248</loc>  <lastmod>2021-10-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/silent-cyber-and-ransomeware-cover-us/33241</loc>  <lastmod>2021-10-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/disclaimer-of-liability-clauses/33242</loc>  <lastmod>2021-10-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sca-reverses-liquidation-of-jp-markets/33213</loc>  <lastmod>2021-10-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/motor-collision-claimants-can-recover-diminished-value-of-repaired-vehicles/33186</loc>  <lastmod>2021-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulation-of-crypto-assets-at-the-door-a-further-step-following-the-declaration-of-crypto-assets/33187</loc>  <lastmod>2021-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/indemnity-insurance-involves-payment-for-loss-actually-suffered-by-insured-australian-court/33164</loc>  <lastmod>2021-10-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tribunal-upholds-prudential-authority-penalty-for-unrecorded-loan-dividends-directive/33127</loc>  <lastmod>2021-10-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-of-boom-operator-for-personal-injury/33120</loc>  <lastmod>2021-10-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-australian-judgment-mostly-favours-insurers/33109</loc>  <lastmod>2021-10-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-risks-again/33084</loc>  <lastmod>2021-10-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-can-an-insured-institute-action-to-recover-its-excess-from-a-third-party-wrongdoer/33046</loc>  <lastmod>2021-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-of-business-interruption-insurance-claims-uk/33029</loc>  <lastmod>2021-10-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/unconditional-performance-guarantees-are-unconditional/33006</loc>  <lastmod>2021-09-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strategic-response-costs-v-ex-gratia/32991</loc>  <lastmod>2021-09-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/litigation-funding-is-not-insurance/32933</loc>  <lastmod>2021-09-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insured-loss-to-value-of-damaged-and-repaired-vehicles/32895</loc>  <lastmod>2021-09-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/there-is-no-direct-access-to-the-pension-funds-adjudicator/32856</loc>  <lastmod>2021-09-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-rejects-claim-on-the-ground-of-contravening-lockdown-regulations-are-you-covered/32812</loc>  <lastmod>2021-09-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-silver-lining-the-dawn-of-a-new-digital-era-for-south-african-dispute-resolution/32820</loc>  <lastmod>2021-09-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exploding-vape-excluded-from-policy-by-products-completed-exclusion/32726</loc>  <lastmod>2021-08-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/extended-business-cover-confined-to-physical-not-financial-loss-by-government-covid-19-action-aus/32691</loc>  <lastmod>2021-08-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/burglary-claim-fails-for-failure-to-install-a-burglar-alarm-us/32630</loc>  <lastmod>2021-08-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-policies-and-time-bar-clauses/32578</loc>  <lastmod>2021-08-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/claim-denied-for-professional-services-exclusion-and-interpretation-rules-us/32574</loc>  <lastmod>2021-08-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/misrepresentation-inducing-a-contract-is-not-a-breach-excluded-by-the-contractual-exclusion-clause-in-a-policy-us/32561</loc>  <lastmod>2021-08-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulation-of-private-equity-managers-what-you-need-to-know/32547</loc>  <lastmod>2021-08-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/informed-patient-revered-doctor/32532</loc>  <lastmod>2021-08-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/non-disclosure-did-not-induce-lower-premium-for-insurers-uk/32491</loc>  <lastmod>2021-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/social-inflation-a-contemporary-insurance-buzzword-or-cause-for-concern/32493</loc>  <lastmod>2021-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-pension-fund-cannot-challenge-the-pension-fund-adjudicator-s-section-37c-decision/32431</loc>  <lastmod>2021-07-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sa-riots-does-force-majeure-apply/32403</loc>  <lastmod>2021-07-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/riots-in-sa-what-happens-under-a-state-of-emergency-declaration/32404</loc>  <lastmod>2021-07-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/psychiatric-centre-not-covered-for-excluded-sex-assault-claim-us/32348</loc>  <lastmod>2021-07-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contra-proferentem-and-standard-contracts-including-insurance-policies-aus/32339</loc>  <lastmod>2021-07-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-vaccines-a-step-towards-mandatory-vaccination-in-the-workplace/32265</loc>  <lastmod>2021-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-for-omission/32266</loc>  <lastmod>2021-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/terminal-illness-claim-rejected-for-lack-of-proof-of-life-expectancy-aus/32216</loc>  <lastmod>2021-06-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/indemnity-clauses-and-the-consumer-protection-act/32201</loc>  <lastmod>2021-06-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusion-of-deliberate-acts-in-insurance-policies-uk/32181</loc>  <lastmod>2021-06-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/security-companies-vicarious-liability-and-joint-wrongdoers/32173</loc>  <lastmod>2021-06-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/days-of-grace-do-not-apply-to-a-repudiated-life-insurance-policy/32138</loc>  <lastmod>2021-06-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-must-remember-to-kiss-keep-it-simple-stupid-tips-on-the-use-of-plain-language-in-insurance-contracts/32068</loc>  <lastmod>2021-06-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-tax-treatment-of-retail-loyalty-programmes-decided-by-the-constitutional-court/32060</loc>  <lastmod>2021-06-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/true-brokers-may-be-paid-a-secret-commission-uk/31990</loc>  <lastmod>2021-05-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-insurance-claim-for-shooting-because-of-assault-exception-us/31967</loc>  <lastmod>2021-05-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-insurance-claims-and-physical-loss-us/31924</loc>  <lastmod>2021-05-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/powers-of-the-financial-services-tribunal/31893</loc>  <lastmod>2021-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/making-the-covid-19-vaccine-injury-no-fault-compensation-scheme-work/31894</loc>  <lastmod>2021-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pension-fund-adjudicator-complainants-cannot-keep-raising-new-issues/31815</loc>  <lastmod>2021-05-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-complexities-of-group-governance/31782</loc>  <lastmod>2021-04-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-person-cannot-be-ordered-to-restore-possession-of-goods-not-in-their-possession/31761</loc>  <lastmod>2021-04-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-fraud-and-fraud-clauses/31751</loc>  <lastmod>2021-04-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/excess-reinsurances-and-the-applicable-jurisdiction-regime/31717</loc>  <lastmod>2021-04-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-claim-rejected-because-of-virus-exception-us/31683</loc>  <lastmod>2021-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-policies-and-absolute-and-relative-warranties/31684</loc>  <lastmod>2021-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ccma-reinstates-employee-dismissed-for-absence-without-permission/31644</loc>  <lastmod>2021-04-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/avoid-complacency-in-business-rescue-retrenchments/31631</loc>  <lastmod>2021-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/business-interruption-insurance-and-the-absence-of-damage/31611</loc>  <lastmod>2021-04-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/always-on-culture-is-no-excuse-to-bend-annual-leave-rules/31622</loc>  <lastmod>2021-04-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-interpretation-interruption/31593</loc>  <lastmod>2021-04-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogated-claim-against-fire-causing-students-rejected-because-students-were-insureds-us/31564</loc>  <lastmod>2021-03-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-interpretation-inability-to-use/31545</loc>  <lastmod>2021-03-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-commission-gets-financial-provider-s-representative-debarred/31431</loc>  <lastmod>2021-03-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/m-a-deals-have-you-thought-about-popi/31427</loc>  <lastmod>2021-03-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-not-required-to-pay-for-medical-marijuana-us/31344</loc>  <lastmod>2021-03-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/amendment-of-a-matrimonial-property-system-without-a-court-order/31348</loc>  <lastmod>2021-03-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/concourt-decision-re-inheritance-summary-from-fisa/31323</loc>  <lastmod>2021-03-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/payment-to-broker-may-not-be-payment-to-insurer-us/31165</loc>  <lastmod>2021-02-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/considering-mandatory-workplace-vaccinations/31172</loc>  <lastmod>2021-02-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-york-regulator-issues-a-cyber-insurance-risk-framework/31155</loc>  <lastmod>2021-02-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/life-policy-proceeds-due-to-insolvent-must-be-paid-to-their-trustees/31147</loc>  <lastmod>2021-02-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-fsca-issues-warning-on-investing-in-crypto-assets/31138</loc>  <lastmod>2021-02-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-liability-for-cricket-ball-injury/31076</loc>  <lastmod>2021-02-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/application-of-the-bump-up-exclusion-in-a-d-o-policy-us/31046</loc>  <lastmod>2021-01-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-part-7-causation/31017</loc>  <lastmod>2021-01-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-part-6-objective-interpretation/30951</loc>  <lastmod>2021-01-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lawful-reasonable-and-procedurally-fair-fais-debarment-process/30897</loc>  <lastmod>2020-12-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-insurance-cover-because-of-exclusion-of-contract-based-claims-us/30899</loc>  <lastmod>2020-12-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-restraint-of-trade-enforceable-if-you-are-retrenched/30881</loc>  <lastmod>2020-12-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tacit-agreement-on-intermediary-commission/30845</loc>  <lastmod>2020-12-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-contra-proferentem-rule-and-insurance-policies-again/30747</loc>  <lastmod>2020-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-insurance-and-reflective-loss-claims/30695</loc>  <lastmod>2020-11-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-infectious-disease-extensions-and-the-fca-test-case/30677</loc>  <lastmod>2020-11-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-covid-19-restrictions-and-impact-in-insurance-claims/30629</loc>  <lastmod>2020-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/gbv-in-the-workplace-where-to-from-here/30528</loc>  <lastmod>2020-10-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lawyer-why-you-should-avoid-social-media-altogether-if-you-have-a-medical-malpractice-claim/30466</loc>  <lastmod>2020-10-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-policy-interpretation-contra-proferentum-armed-robbery-theft-and-hijacking/30366</loc>  <lastmod>2020-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/conduct-of-financial-institutions/30352</loc>  <lastmod>2020-10-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/de-bloedige-hand-principle-and-its-application-in-s37c-pension-fund-distributions/30304</loc>  <lastmod>2020-09-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/defences-to-liability-for-dog-bites/30242</loc>  <lastmod>2020-09-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-insurance-closure-orders-are-not-physical-loss-usa/30041</loc>  <lastmod>2020-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-applies-arising-out-of-the-operations-exclusion-in-liability-policy-us/29942</loc>  <lastmod>2020-08-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-a-refresher-part-5-fairness-and-reasonableness/29875</loc>  <lastmod>2020-08-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-insurance-claim-denied/29796</loc>  <lastmod>2020-07-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-more-silence-free-legal-advice-for-gender-based-violence/29774</loc>  <lastmod>2020-07-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-a-refresher-part-4-fraudulent-claims/29772</loc>  <lastmod>2020-07-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fsca-clamps-down-on-fica-non-compliance/29773</loc>  <lastmod>2020-07-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-labour-appeal-court-decision-on-pregnancy-discrimination/29722</loc>  <lastmod>2020-07-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-business-interruption-and-physical-damage/29666</loc>  <lastmod>2020-07-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-a-refresher-part-3-ambiguity/29661</loc>  <lastmod>2020-07-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-a-refresher-part-2/29611</loc>  <lastmod>2020-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/employers-may-be-ordered-to-pay-up-for-ignoring-mental-health-issues/29616</loc>  <lastmod>2020-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/jurisdiction-of-the-financial-services-tribunal-medical-scheme-matters/29594</loc>  <lastmod>2020-07-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-risk-cover-the-pandemic-lesson/29551</loc>  <lastmod>2020-07-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpreting-insurance-contracts-a-refresher-part-1/29519</loc>  <lastmod>2020-07-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/progressive-changes-for-the-retirement-fund-industry-in-fsca-draft-conduct-standards/29475</loc>  <lastmod>2020-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/refund-of-overpayment-of-insurance-benefit-because-error-was-excusable/29449</loc>  <lastmod>2020-06-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-renewal-not-concluded-by-emails-in-the-absence-of-clear-acceptance-aus/29355</loc>  <lastmod>2020-06-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/equitable-jurisdiction-the-pension-funds-adjudicator-cannot-make-orders-disregarding-statutory-provisions/29135</loc>  <lastmod>2020-05-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sign-of-the-times-electronic-signatures-in-south-africa/29027</loc>  <lastmod>2020-05-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/big-data-and-the-south-african-financial-services-sector/29030</loc>  <lastmod>2020-05-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ruling-by-supreme-court-of-appeal-changes-the-law-on-the-treatment-of-living-annuities-in-divorce/29008</loc>  <lastmod>2020-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/discovery-liberty-and-group-wrong/29014</loc>  <lastmod>2020-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/submit-insurance-claims-timeously/28974</loc>  <lastmod>2020-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dui-proved-despite-no-conclusive-blood-test/28956</loc>  <lastmod>2020-05-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/defending-an-insured-s-third-party-claim-and-reserving-insurer-s-rights/28911</loc>  <lastmod>2020-04-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/covid-19-electronic-signatures-in-lockdown-times/28624</loc>  <lastmod>2020-03-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/occurrence-in-insurance-policies/28597</loc>  <lastmod>2020-03-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/council-for-medical-schemes-banning-of-low-cost-benefit-options/28578</loc>  <lastmod>2020-03-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liability-for-independent-contractors-and-the-legal-fiction-of-non-delegability/28427</loc>  <lastmod>2020-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/supreme-court-of-appeal-curbs-abuse-of-section-24c/28433</loc>  <lastmod>2020-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-rule-of-court-forces-south-africans-to-consider-mediation-as-a-form-of-dispute-resolution-before-turning-to-courts/28394</loc>  <lastmod>2020-02-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/indemnity-and-disclaimer-clauses-relating-to-school-children-12-things-to-know/28285</loc>  <lastmod>2020-02-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-personal-injury-damages-and-medical-expenses/28230</loc>  <lastmod>2020-02-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-possible-date-of-full-commencement-1-april-2020/28214</loc>  <lastmod>2020-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reviewing-the-law-on-reasonable-precautions/28207</loc>  <lastmod>2020-01-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/higher-premiums-for-renewing-customers-investigated-by-uk-regulator/28174</loc>  <lastmod>2020-01-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-proceedings-against-organs-of-state-and-condonation-application/28164</loc>  <lastmod>2020-01-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/that-sinking-feeling-proximate-cause-and-insurance/28152</loc>  <lastmod>2020-01-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-consensus-and-non-existent-property/28123</loc>  <lastmod>2020-01-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/common-law-development-state-can-compensate-a-plaintiff-for-future-medical-expenses-in-kind-in-lieu-of-paying-damages/28106</loc>  <lastmod>2020-01-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/offers-of-settlement-and-time-bars-in-insurance-policies/28097</loc>  <lastmod>2020-01-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-does-a-claim-under-a-liability-policy-prescribe/28070</loc>  <lastmod>2019-12-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/specific-terms-override-general-terms-and-insurers-bound-by-agents-us/27959</loc>  <lastmod>2019-11-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/medical-malpractice-a-usa-birth-injury-comparison/27916</loc>  <lastmod>2019-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/loss-adjusters-reports-may-not-be-privileged/27906</loc>  <lastmod>2019-11-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-scope-of-vicarious-liability/27845</loc>  <lastmod>2019-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/norton-rose-fulbright-s-insurance-practice-launches-its-big-read-book-series/27827</loc>  <lastmod>2019-11-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/loss-of-profits-claim-for-damaged-taxi-uk/27783</loc>  <lastmod>2019-10-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/five-golden-rules-to-reduce-patient-harm-or-risk/27782</loc>  <lastmod>2019-10-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/holder-of-trust-money-is-liable-for-paying-incorrect-party/27768</loc>  <lastmod>2019-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/repercussions-for-all-attorneys-that-appear-on-the-non-practising-roll-as-the-south-african-legal-practice-council-sets-to-implement-fee/27732</loc>  <lastmod>2019-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/understanding-the-legal-principles-that-distinguish-a-retirement-fund-from-the-employer/27714</loc>  <lastmod>2019-10-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/animals-cannot-commit-vandalism-and-malicious-mischief-us/27686</loc>  <lastmod>2019-10-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/russian-roulette-is-self-inflicted-injury-not-suicide-us/27642</loc>  <lastmod>2019-10-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pension-fund-disputes-could-be-caught-in-perfect-circle/27631</loc>  <lastmod>2019-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/been-cheated-by-your-lawyer-here-s-what-to-do/27622</loc>  <lastmod>2019-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/important-clauses-to-include-in-settlement-agreements/27624</loc>  <lastmod>2019-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/considering-moving-to-the-us-know-these-imminent-changes-to-the-immigration-program/27608</loc>  <lastmod>2019-10-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/act-of-god-defence-fails/27582</loc>  <lastmod>2019-09-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/removing-gender-based-discrimination-in-customary-marriages/27592</loc>  <lastmod>2019-09-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-top-legal-concern-even-regulators-cannot-keep-up/27556</loc>  <lastmod>2019-09-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-a-relief/27547</loc>  <lastmod>2019-09-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/presenting-your-evidence-in-the-small-claims-court/27479</loc>  <lastmod>2019-09-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-claims-for-pedestrians-injured-or-killed-in-road-accidents/27450</loc>  <lastmod>2019-09-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/think-twice-before-rejecting-a-calderbank-offer/27374</loc>  <lastmod>2019-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africans-soon-to-be-forced-to-consider-mediation-before-turning-to-courts/27350</loc>  <lastmod>2019-08-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/entire-building-cladding-replaced-despite-only-two-sides-damaged/27325</loc>  <lastmod>2019-08-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/warranty-and-indemnity-insurance-in-south-africa-s-m-a-environment/27327</loc>  <lastmod>2019-08-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/improved-cybersecurity-laws-needed-to-deal-with-rising-sa-cybercrime/27321</loc>  <lastmod>2019-08-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/damages-under-insurance-contract-with-reinstatement-value-conditions/27311</loc>  <lastmod>2019-08-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-s-paying-who/27273</loc>  <lastmod>2019-08-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/imagine-underwriting-a-claim-using-social-media/27188</loc>  <lastmod>2019-07-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-difference-between-voluntary-and-involuntary-retrenchment/27187</loc>  <lastmod>2019-07-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bin-with-wheels-is-not-a-vehicle-us/27151</loc>  <lastmod>2019-07-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/before-paying-death-benefits-retirement-funds-must-check-that-a-dependant-is-still-dependant/27093</loc>  <lastmod>2019-07-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/evidence-of-sudden-and-accidental-pollution-rejected-us/27083</loc>  <lastmod>2019-07-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/guaranteeing-the-best-possible-outcome/27031</loc>  <lastmod>2019-06-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-risk-warnings-for-insurers/26987</loc>  <lastmod>2019-06-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/section-37c-and-nominees-can-an-artificial-person-be-nominated/26904</loc>  <lastmod>2019-06-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/work-vs-business-trip-visas-department-of-home-affairs-picking-up-on-misuse/26833</loc>  <lastmod>2019-05-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sanlam-paid-out-close-to-r4-billion-in-claims-in-2018/26835</loc>  <lastmod>2019-05-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-does-conduct-constitute-financial-advice/26744</loc>  <lastmod>2019-05-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/natmed-releases-its-annual-survey-of-medical-malpractice-judgments-of-2018/26727</loc>  <lastmod>2019-05-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/guidance-on-conducting-insurance-business-in-terms-of-section-5-of-the-insurance-act/26690</loc>  <lastmod>2019-05-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/draft-conduct-standard-for-banks-published/26670</loc>  <lastmod>2019-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-does-conduct-constitute-financial-advice/26676</loc>  <lastmod>2019-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/plastic-surgery-and-malpractice-when-can-you-claim/26678</loc>  <lastmod>2019-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/section-37c-and-settlement-agreements/26631</loc>  <lastmod>2019-04-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/difference-between-advice-and-information-provided-by-a-professional-for-example-a-broker-english-law/26608</loc>  <lastmod>2019-04-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/informing-the-uninformed-doctors-patients-communication-is-key/26579</loc>  <lastmod>2019-04-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/financial-matters-amendment-bill-to-amend-laws-for-over-the-counter-derivatives/26539</loc>  <lastmod>2019-04-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/use-of-a-vehicle-includes-a-passenger-opening-a-car-door/26507</loc>  <lastmod>2019-04-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-a-settlement-agreement-is-not-a-credit-agreement/26486</loc>  <lastmod>2019-04-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tightening-the-noose-on-foreign-trusts/26468</loc>  <lastmod>2019-04-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/investigating-insurance-indemnities/26455</loc>  <lastmod>2019-03-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-role-in-losses-caused-by-malfunctioning-technology/26421</loc>  <lastmod>2019-03-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-liability-insurance-it-s-in-the-detail/26410</loc>  <lastmod>2019-03-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sca-decision-a-shake-up-for-insurers-who-underwrite-pi-insurance-advisers-intermediaries-brokers/26389</loc>  <lastmod>2019-03-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-cybercrimes-bill-doesn-t-replace-caution/26305</loc>  <lastmod>2019-03-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-victory-enables-asylum-seekers-to-claim-unemployment-benefits/26286</loc>  <lastmod>2019-03-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyrim-warns-of-up-to-193-billion-cyber-risk-insurers-beware/26138</loc>  <lastmod>2019-02-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/draft-expropriation-bill-published/26082</loc>  <lastmod>2019-01-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/personalised-medicine-implications-for-the-insurance-industry-and-for-consumers/26058</loc>  <lastmod>2019-01-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-effect-of-legalisation-of-cannabis-on-the-insurance-industry/26048</loc>  <lastmod>2019-01-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lawyer-festive-season-drunk-driving-figures-highlights-catastrophic-effects-of-proposed-no-fault-rabs-system/26036</loc>  <lastmod>2019-01-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/consider-your-verdict-does-motor-insurer-pay-for-fire-caused-while-immobilised-vehicle-being-repaired/25997</loc>  <lastmod>2019-01-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/conduct-of-financial-institutions-bill-published-for-comment/25989</loc>  <lastmod>2018-12-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bad-subcontractor-work-not-an-accident-ohio-usa/25963</loc>  <lastmod>2018-12-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/will-drunk-driving-cost-me-my-job/25933</loc>  <lastmod>2018-12-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-breach-claim-fails-under-glp-because-information-not-published-us/25918</loc>  <lastmod>2018-12-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/understanding-non-disclosure/25888</loc>  <lastmod>2018-11-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/enforceability-of-the-sanctions-exception-in-policies-uk/25873</loc>  <lastmod>2018-11-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bitcoin-held-to-be-property-not-money-for-insurance-policy-us/25831</loc>  <lastmod>2018-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pi-policy-cannot-be-ceded-to-third-party/25768</loc>  <lastmod>2018-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-entitled-to-rely-on-third-party-expert-s-conclusions-us/25731</loc>  <lastmod>2018-11-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulatory-changes-impacting-the-dynamics-of-in-house-law/25727</loc>  <lastmod>2018-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proposed-state-liability-amendment-bill-will-limit-payments-to-victims/25684</loc>  <lastmod>2018-10-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-employment-equity-amendment-bill-2018/25658</loc>  <lastmod>2018-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/good-news-for-medical-practitioners/25634</loc>  <lastmod>2018-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/defiance-of-law-the-collateral-challenge-defence-by-namibian-insurers/25609</loc>  <lastmod>2018-10-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-labour-laws-amendment-bill-will-usher-in-new-rules-for-parental-leave/25611</loc>  <lastmod>2018-10-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/amazon-has-no-product-liability-for-third-party-product-warehoused-and-shipped-us/25591</loc>  <lastmod>2018-10-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/natmed-medical-defence-comments-on-the-recent-judgement-of-the-supreme-court-of-appeal-in-life-healthcare-and-dr-a-s-suliman/25538</loc>  <lastmod>2018-10-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bought-a-lemon-can-the-cpa-turn-sour-into-sweet/25489</loc>  <lastmod>2018-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-s-yours-is-mine-and-what-s-mine-is-mine/25456</loc>  <lastmod>2018-09-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-devices/25457</loc>  <lastmod>2018-09-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/non-compliance-may-bear-severe-consequences/25411</loc>  <lastmod>2018-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strip-club-not-covered-for-credit-card-theft-by-employees-us/25374</loc>  <lastmod>2018-09-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lawyer-putting-the-breaks-on-the-rabs-bill-is-the-only-option/25368</loc>  <lastmod>2018-09-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/damage-arising-from-marijuana-operations-not-covered-by-policy-us/25318</loc>  <lastmod>2018-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-and-loss-adjusters-to-take-care-when-investigating-claims/25285</loc>  <lastmod>2018-08-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/competition-commission-proposes-tough-measures-on-motor-insurers/25255</loc>  <lastmod>2018-08-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tightening-up-on-the-offshore-trust-rules/25192</loc>  <lastmod>2018-08-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lawyer-rabs-bill-will-result-in-fuel-levies-rising-by-75/25157</loc>  <lastmod>2018-08-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/wrongful-death-claims-at-bar-fails-on-assault-exclusion-us/25134</loc>  <lastmod>2018-08-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/hiring-a-sexual-offender-who-causes-harm-is-an-insured-accident-us/25058</loc>  <lastmod>2018-07-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/carbon-monoxide-death-liability-claim-fails-on-pollution-exclusion-us/25035</loc>  <lastmod>2018-07-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-court-refuses-collapse-cover-for-decayed-building/25036</loc>  <lastmod>2018-07-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proof-of-online-questions-in-insurance-application/25008</loc>  <lastmod>2018-07-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/asbestos-the-law-and-insurance/25018</loc>  <lastmod>2018-07-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-dependency-cycle-needs-to-be-broken/24989</loc>  <lastmod>2018-07-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-is-a-stationary-tractor-spraying-herbicide-being-used/24959</loc>  <lastmod>2018-07-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/alleged-costs-to-avert-business-interruption-loss-rejected-us/24789</loc>  <lastmod>2018-06-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/action-over-stolen-trade-secrets-does-not-fall-under-defamation-cover-us/24753</loc>  <lastmod>2018-06-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/all-risks-policy-does-not-cover-non-existent-cargo/24745</loc>  <lastmod>2018-06-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-continuing-to-use-ship-s-engine-after-alarm-accidental-loss-aus/24663</loc>  <lastmod>2018-06-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusion-of-loss-arising-from-arrest-restraint-detainment/24610</loc>  <lastmod>2018-06-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-do-not-have-to-indemnify-lawyer-for-overbilling-claim-us/24591</loc>  <lastmod>2018-06-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/as-a-business-what-should-you-do-to-deal-with-public-liability-claims/24588</loc>  <lastmod>2018-05-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cocaine-planted-on-ship-by-smugglers-not-an-insured-malicious-act-uk/24546</loc>  <lastmod>2018-05-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/five-things-your-domestic-worker-contract-must-entail/24510</loc>  <lastmod>2018-05-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/settlement-not-authorised-by-insurers-is-not-an-occurrence-australian-case/24434</loc>  <lastmod>2018-05-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ambiguous-limits-of-indemnity-uk/24400</loc>  <lastmod>2018-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/good-faith-requirement-in-a-guarantee/24401</loc>  <lastmod>2018-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dependants-can-t-sue-road-accident-fund-where-breadwinner-dies-in-single-vehicle-accident/24282</loc>  <lastmod>2018-04-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/arising-out-of-or-in-connection-with-use-of-land-in-liability-insurance-exclusion/24259</loc>  <lastmod>2018-04-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/day-zero-and-your-employees-what-an-employer-needs-to-know/24209</loc>  <lastmod>2018-04-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/two-bridge-collapses-from-same-design-flaws-are-related-claims-us/24175</loc>  <lastmod>2018-04-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/spotlight-on-malicious-complaints-to-professional-regulators/24147</loc>  <lastmod>2018-04-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subcontractor-required-to-provide-own-insurance-held-not-entitled-to-project-insurance-uk/24136</loc>  <lastmod>2018-04-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/financial-sector-regulation-act-in-force-from-1-april-2018/24116</loc>  <lastmod>2018-04-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/short-term-insurance-act-1998-proposed-amendments-to-the-regulations-made-under-section-70-affecting-premium-collection/24070</loc>  <lastmod>2018-03-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-cover-for-racing-school-accident-even-though-exclusion-not-read-by-insured-us/23993</loc>  <lastmod>2018-03-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-personal-lines-business/23885</loc>  <lastmod>2018-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/duty-of-disclosure-is-the-refusal-to-renew-residential-policy-material-to-a-commercial-policy/23816</loc>  <lastmod>2018-02-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strict-compliance-with-policy-cancellation-provisions-is-necessary/23810</loc>  <lastmod>2018-02-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/information-regulator-makes-first-statement-about-unlawful-processing/23792</loc>  <lastmod>2018-02-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/uk-chief-executive-fined-1-15-million-over-trust-funds/23703</loc>  <lastmod>2018-02-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-act-assented-by-state-president/23619</loc>  <lastmod>2018-01-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/amended-long-term-insurance-regulations/23537</loc>  <lastmod>2018-01-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-massive-cost-of-medical-negligence-cases-is-an-international-problem/23506</loc>  <lastmod>2017-12-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/iais-calls-for-simple-insurance-products/23479</loc>  <lastmod>2017-12-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/speak-up-or-shut-up/23433</loc>  <lastmod>2017-11-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/rising-tide-for-directors/23298</loc>  <lastmod>2017-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-legal-recourse-is-available-to-south-african-cybercrime-victims/23286</loc>  <lastmod>2017-11-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-can-sell-financial-products-in-south-africa/23272</loc>  <lastmod>2017-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/department-of-labour-gets-serious-about-employment-equity-compliance/23274</loc>  <lastmod>2017-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-requirement-to-comply-with-statutory-or-regulatory-standards-requires-reasonable-care-not-absolute-compliance/23231</loc>  <lastmod>2017-10-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/attention-shoppers-the-law-is-on-your-side/23202</loc>  <lastmod>2017-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/number-of-exploding-appliances-and-digital-devices-skyrocket-what-are-your-rights/23154</loc>  <lastmod>2017-10-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proceedings-before-enforcement-committee-under-security-services-act-apply-civil-standard-of-proof/23125</loc>  <lastmod>2017-10-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sitting-is-not-an-accident-us/23126</loc>  <lastmod>2017-10-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/taxation-of-cryptocurrencies-buying-and-selling-bitcoin/23046</loc>  <lastmod>2017-10-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-low-can-we-go/23032</loc>  <lastmod>2017-09-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/two-year-insurance-time-bar-upheld-us/23012</loc>  <lastmod>2017-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fais-debarment-does-not-entitle-dishonest-representative-to-damages/23013</loc>  <lastmod>2017-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/personal-information-regulations-no-longer-a-vague-consideration-for-businesses/23022</loc>  <lastmod>2017-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/be-careful-how-you-draft-resolutions-empowering-someone-to-sign/23005</loc>  <lastmod>2017-09-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/shooting-of-wife-not-covered-by-employers-liability-policy-usa/23007</loc>  <lastmod>2017-09-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/aggregation-of-claims-for-related-transactions/22987</loc>  <lastmod>2017-09-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-claim-barred-because-of-once-and-for-all-rule-us/22989</loc>  <lastmod>2017-09-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-exclusion-for-that-particular-part-on-which-performing-operations-us/22978</loc>  <lastmod>2017-09-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-restates-principles-relating-to-the-duty-of-utmost-good-faith-in-insurance-contracts-uk/22957</loc>  <lastmod>2017-09-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/struck-off-doctor-practising-without-insurance-refused-appeal-uk/22936</loc>  <lastmod>2017-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/appeal-court-confirms-insurer-liable-to-indemnify-insured-for-failure-to-assess-the-risk-of-a-schizophrenic-prison-inmate-australia/22946</loc>  <lastmod>2017-09-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cover-under-us-liability-policy-does-not-extend-to-arson-by-hospital-patients/22910</loc>  <lastmod>2017-09-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-court-upholds-lloyd-s-flood-exclusion/22876</loc>  <lastmod>2017-09-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/relief-for-homeowners-banks-as-concourt-rules-on-historical-debt/22843</loc>  <lastmod>2017-08-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/one-tree-falling-on-three-victims-is-one-insurance-occurrence/22833</loc>  <lastmod>2017-08-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reinstatement-of-cover-only-when-claim-paid/22824</loc>  <lastmod>2017-08-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-is-cover-extended-to-companies-in-which-insured-has-majority-interest-us/22760</loc>  <lastmod>2017-08-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pension-funds-and-commercial-transactions/22711</loc>  <lastmod>2017-08-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/due-observance-and-condition-precedent-policy-terms/22637</loc>  <lastmod>2017-07-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/breach-of-policy-requirement-not-to-settle-or-disclaim-liability-does-not-include-plea-in-criminal-proceedings/22581</loc>  <lastmod>2017-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/petya-or-notpetya-under-popi-you-must-report/22512</loc>  <lastmod>2017-07-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/commutation-of-a-living-annuity-on-emigration/22451</loc>  <lastmod>2017-06-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-businesses-need-popi-consultants-now-more-than-ever/22433</loc>  <lastmod>2017-06-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/watch-out-for-the-devil-in-the-detail/22283</loc>  <lastmod>2017-05-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-inadequacy-of-law-in-the-digital-age/22279</loc>  <lastmod>2017-05-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusions-for-faulty-workmanship-recalls-rejected-us/22255</loc>  <lastmod>2017-05-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ifrs-17-deloitte-comments-on-new-international-accounting-standard-for-insurance-contracts/22235</loc>  <lastmod>2017-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/obligation-to-pay-the-premium-as-condition-precedent-to-insurance-policy-cover-uk/22176</loc>  <lastmod>2017-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-cover-for-botched-real-estate-deal-usa/22169</loc>  <lastmod>2017-05-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/homeowners-policy-does-not-cover-insured-as-fitness-instructor-us/22136</loc>  <lastmod>2017-05-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/digitizing-the-insurance-value-chain/22120</loc>  <lastmod>2017-05-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/laws-amendment-to-accommodate-demarcation-regulations/22102</loc>  <lastmod>2017-04-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-a-written-demand-for-damages-or-relief/21999</loc>  <lastmod>2017-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyberattack-by-telephone-held-not-computer-fraud-us/21980</loc>  <lastmod>2017-03-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/heirs-immigrants-expatriates-and-investors-take-note/21973</loc>  <lastmod>2017-03-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/failure-of-pi-insured-to-report-potential-malpractice-suit-us/21960</loc>  <lastmod>2017-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-insurance-for-sexual-assault-suit-against-employer-because-not-accidental-us/21938</loc>  <lastmod>2017-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/paris-to-pretoria-high-court-to-adjudicate-on-climate-change-for-the-first-time/21870</loc>  <lastmod>2017-03-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/entitlement-of-a-non-member-spouse-in-a-marriage-in-community-of-property-in-respect-of-pension-interest-in-a-divorce/21871</loc>  <lastmod>2017-03-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/information-regulator-more-than-a-popi-regulator/21844</loc>  <lastmod>2017-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-limits-for-credit-life-insurance-premiums/21798</loc>  <lastmod>2017-02-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interest-free-loans-to-trusts/21783</loc>  <lastmod>2017-02-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/notification-of-event-likely-to-give-rise-to-a-claim-requires-at-least-50-chance-of-claim-uk-case/21775</loc>  <lastmod>2017-02-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-devil-is-in-the-detail-national-minimum-wage/21742</loc>  <lastmod>2017-02-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/national-minimum-wage-on-the-way-may-2018/21730</loc>  <lastmod>2017-02-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/trusts-the-new-position/21731</loc>  <lastmod>2017-02-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/attorney-s-malpractice-cover-limited-because-only-one-claim-us/21692</loc>  <lastmod>2017-02-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cybercrimes-and-cybersecurity-bill-to-be-tabled-in-parliament/21678</loc>  <lastmod>2017-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/will-we-get-reciprocal-reinsurance-arrangements/21628</loc>  <lastmod>2017-01-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/my-phone-my-photos/21617</loc>  <lastmod>2017-01-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-registrar-s-exemption-powers-impacted-by-the-financial-sector-regulation-bill/21546</loc>  <lastmod>2017-01-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/marriage-in-community-of-property-the-ndaba-judgement-is-pension-interest-now-automatically-an-asset-in-the-joint-estate/21517</loc>  <lastmod>2016-12-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/king-iv-extends-application-to-retirement-funds/21492</loc>  <lastmod>2016-11-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-little-extra-festive-cheer-in-employee-leave-calendars-this-year/21498</loc>  <lastmod>2016-11-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prove-liquidation-claims-in-three-months/21436</loc>  <lastmod>2016-11-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strict-liability-applies-only-to-consumer-actions-says-supreme-court/21400</loc>  <lastmod>2016-11-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fais-and-power-of-attorney/21351</loc>  <lastmod>2016-11-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-regulator-to-commence-duties-on-1-december-2016/21297</loc>  <lastmod>2016-10-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mudslide-is-not-an-explosion-us/21253</loc>  <lastmod>2016-10-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/maintenance-upon-divorce-what-happens-when-your-ex-spouse-dies/21227</loc>  <lastmod>2016-10-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-and-officers-policy-does-not-cover-executive-induced-decline-of-company-us/21162</loc>  <lastmod>2016-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/broker-beats-negligence-claim-for-not-pointing-out-copper-exclusion-us/21117</loc>  <lastmod>2016-09-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/failure-to-assess-risk-of-schizophrenic-prison-inmate-covered-by-policy/21095</loc>  <lastmod>2016-09-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/communication-via-brokers-held-not-to-be-privileged/21078</loc>  <lastmod>2016-09-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/guidance-from-the-uk-for-south-african-insurers-regarding-fraudulent-claims/21045</loc>  <lastmod>2016-09-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deterioration-of-plastic-bags-by-sun-as-an-accidental-occurrence/20991</loc>  <lastmod>2016-09-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/child-born-with-cerebral-palsy-due-to-medical-negligence-can-you-still-sue-for-pain-and-suffering/20983</loc>  <lastmod>2016-09-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/wilful-act-and-business-activity-exclusions-applied-to-defamation-claim/20975</loc>  <lastmod>2016-09-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/permanent-life-partners-can-you-claim-fund-death-benefits-when-your-partner-dies/20959</loc>  <lastmod>2016-08-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-us-double-insurance-contribution-case/20953</loc>  <lastmod>2016-08-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-anti-competitive-behaviour-insurable/20924</loc>  <lastmod>2016-08-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulating-crowdfunding-in-south-africa/20892</loc>  <lastmod>2016-08-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/rugby-intentional-conduct-insurance-and-insolvency-all-in-one/20895</loc>  <lastmod>2016-08-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/us-liability-policy-covers-consequential-loss-from-faulty-workmanship/20831</loc>  <lastmod>2016-08-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proposed-changes-to-interest-free-loans-to-trusts/20834</loc>  <lastmod>2016-08-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/poor-air-quality-as-physical-damage/20736</loc>  <lastmod>2016-07-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/take-care-with-interest-free-loans-to-trusts/20717</loc>  <lastmod>2016-07-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-coverage-for-landfill-clean-up-not-sudden-and-accidental/20701</loc>  <lastmod>2016-07-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/skydiving-accident-excluded/20679</loc>  <lastmod>2016-07-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-coverage-for-false-vehicle-repair-history/20657</loc>  <lastmod>2016-07-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/paintball-injury-excluded-by-homeowners-policy/20490</loc>  <lastmod>2016-06-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/medical-scheme-member-savings-accounts-are-trust-property/20486</loc>  <lastmod>2016-06-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusion-for-trading-and-personal-debts-in-attorneys-pi-policy/20458</loc>  <lastmod>2016-06-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/proximate-cause-hacked-computer-of-negligent-employee/20447</loc>  <lastmod>2016-06-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/acceleration-clauses-and-prescription/20436</loc>  <lastmod>2016-06-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/consequences-of-the-relationships-of-unmarried-couples-in-sa/20424</loc>  <lastmod>2016-06-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-s-failure-to-pay-claims-in-time-or-fully-may-be-a-wrongful-act/20416</loc>  <lastmod>2016-06-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/difficulty-in-interpreting-a-policy-does-not-mean-it-is-ambiguous/20404</loc>  <lastmod>2016-06-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/confusion-over-reinstatement-value-conditions/20399</loc>  <lastmod>2016-05-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/shedding-light-on-restraints-of-trade-in-sale-of-business-agreements/20401</loc>  <lastmod>2016-05-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/bank-held-liable-for-the-fraudulent-conduct-of-a-former-director-of-its-customer/20348</loc>  <lastmod>2016-05-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/suicide-not-covered-despite-brain-disease/20319</loc>  <lastmod>2016-05-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/d-o-policy-voided-for-non-disclosure/20303</loc>  <lastmod>2016-05-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strict-process-for-companies-wishing-to-recover-stolen-money-from-employee-pension-fund-pay-outs-cautions-gtc/20301</loc>  <lastmod>2016-05-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/general-liability-cover-does-not-cover-own-faulty-work/20288</loc>  <lastmod>2016-05-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/failure-to-respond-to-complaint-lodged-against-fsp/20276</loc>  <lastmod>2016-05-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/gross-negligence-and-reasonable-precautions/20266</loc>  <lastmod>2016-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-duty-of-financial-service-providers/20256</loc>  <lastmod>2016-05-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-not-liable-for-claim-settled-without-consent/20247</loc>  <lastmod>2016-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policy-amendment-and-events/20186</loc>  <lastmod>2016-04-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/maritime-claim-jurisdiction-over-freight-forwarders-demand-guarantee/20138</loc>  <lastmod>2016-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cover-for-a-cyber-breaches-under-general-liability-policies/20134</loc>  <lastmod>2016-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/don-t-use-regulations-to-interpret-an-act/20124</loc>  <lastmod>2016-04-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/temporary-removal-clause-in-policies/20102</loc>  <lastmod>2016-04-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpretation-of-contract-what-is-a-supermarket/20085</loc>  <lastmod>2016-04-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fsb-can-t-challenge-the-decision-of-appeal-board/20078</loc>  <lastmod>2016-04-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/misrepresentation-of-past-losses-avoids-policy/20045</loc>  <lastmod>2016-03-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interest-on-insurance-awards/20038</loc>  <lastmod>2016-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/policyholder-can-assign-benefits-without-consent/20005</loc>  <lastmod>2016-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-is-the-user-of-an-insured-vehicle/19989</loc>  <lastmod>2016-03-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/challenge-to-regulations-and-other-regulatory-action/19974</loc>  <lastmod>2016-03-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-property-damage-under-an-all-risks-policy/19968</loc>  <lastmod>2016-03-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/aggravated-damages-and-the-protection-of-personal-information-act/19907</loc>  <lastmod>2016-03-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/many-refunds-for-force-placed-insurance/19831</loc>  <lastmod>2016-02-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/over-insurance-of-valued-property/19832</loc>  <lastmod>2016-02-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/hacked-private-messages-used-in-court/19808</loc>  <lastmod>2016-02-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ratings-agencies-lawsuits-inconsistent-models-and-overly-optimistic-inputs/19760</loc>  <lastmod>2016-02-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contracting-out-of-legislative-protection/19697</loc>  <lastmod>2016-02-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-interest-on-timely-payment-by-insurer/19679</loc>  <lastmod>2016-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-do-you-measure-fairness/19686</loc>  <lastmod>2016-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-bill-published-by-parliament/19661</loc>  <lastmod>2016-02-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/florida-uber-driver-insurance-bill-consider-the-opportunities/19636</loc>  <lastmod>2016-01-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exclusion-for-owned-or-occupied-property-upheld/19596</loc>  <lastmod>2016-01-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/converting-loans-into-equity-another-sars-ruling/19577</loc>  <lastmod>2016-01-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/protection-of-investment-act-2015-assented-to/19544</loc>  <lastmod>2016-01-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/aircraft-fire-claim-26-years-late/19545</loc>  <lastmod>2016-01-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pmb-coverage-in-medical-scheme-rules-is-a-matter-of-public-policy/19522</loc>  <lastmod>2016-01-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/avoiding-a-policy-for-innocent-over-valuation/19523</loc>  <lastmod>2016-01-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-can-t-use-sexual-misconduct-exception-in-cosby-defamation-suits/19488</loc>  <lastmod>2015-12-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/check-mate-medical-scheme-s-decision-making-and-the-rights-of-the-member/19493</loc>  <lastmod>2015-12-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-from-a-contact-centre-s-perspective/19422</loc>  <lastmod>2015-12-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/annuitisation-of-provident-funds-to-proceed-on-1-march-2016/19399</loc>  <lastmod>2015-12-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/damaged-premises-not-covered-for-aesthetic-improvements/19339</loc>  <lastmod>2015-11-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/non-disclosure-misrepresentation-and-waiver-of-the-insurer-s-right-to-avoid-the-policy/19314</loc>  <lastmod>2015-11-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fellow-employee-clause-not-applied-to-off-duty-employee/19303</loc>  <lastmod>2015-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/liars-cheats-and-thieves/19305</loc>  <lastmod>2015-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/to-disclose-or-not-to-disclose-that-is-the-question/19311</loc>  <lastmod>2015-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/draft-credit-life-insurance-regulations-published/19296</loc>  <lastmod>2015-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/will-collective-investment-scheme-co-named-portfolios-be-safe-under-the-retail-distribution-review/19283</loc>  <lastmod>2015-11-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/employment-law-update-touches-on-burning-issues-of-the-day-such-as-major-increase-in-retrenchment-cases-as-tough-economic-conditions-bite/19280</loc>  <lastmod>2015-11-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/undertaking-to-renew-requires-similar-policy/19264</loc>  <lastmod>2015-11-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-advertising-injury/19214</loc>  <lastmod>2015-11-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-cybercrime-and-cybersecurity-bill-will-affect-you/19205</loc>  <lastmod>2015-11-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/australian-report-on-health-insurers-is-worth-looking-at/19193</loc>  <lastmod>2015-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/will-technology-be-the-downfall-of-chancers/19160</loc>  <lastmod>2015-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contamination-cover-granted-without-proof-of-resulting-injury-or-death/19146</loc>  <lastmod>2015-10-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-structures-to-fight-cybercrime/19137</loc>  <lastmod>2015-10-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-you-be-traced-through-your-internet-activity/19111</loc>  <lastmod>2015-10-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/irish-competition-commission-warns-insurers-about-talking-up-prices/19112</loc>  <lastmod>2015-10-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-africa-to-introduce-new-cybersecurity-legislation/19074</loc>  <lastmod>2015-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-dangers-of-compromising-subrogation-rights/18999</loc>  <lastmod>2015-10-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/taking-cybercrime-seriously-new-offences-in-the-cybercrimes-and-cybersecurity-bill/19000</loc>  <lastmod>2015-10-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/to-disclose-or-not-to-disclose-beware-of-a-one-size-fits-all-approach/18979</loc>  <lastmod>2015-10-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-is-liability-insurance-triggered-in-layered-cover/18932</loc>  <lastmod>2015-10-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/widow-s-penalty-prohibited-in-us-state/18897</loc>  <lastmod>2015-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/holding-a-director-liable-for-the-debts-of-a-company-needs-proof-of-fraud-or-recklessness/18898</loc>  <lastmod>2015-10-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/some-tcf-ideas-from-the-uk/18826</loc>  <lastmod>2015-09-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/10-things-to-know-about-south-african-non-profit-companies/18827</loc>  <lastmod>2015-09-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/follow-the-settlements-clauses/18759</loc>  <lastmod>2015-09-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/work-product-exclusions-defeats-a-claim/18721</loc>  <lastmod>2015-09-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/gift-card-does-not-fall-in-policy-contractual-exclusion/18674</loc>  <lastmod>2015-09-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-proving-material-non-disclosure/18645</loc>  <lastmod>2015-09-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ny-insurer-fined-for-violating-sanctions/18635</loc>  <lastmod>2015-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-does-the-duty-to-submit-proofs-reasonably-required-for-a-claim-entail/18623</loc>  <lastmod>2015-09-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-cannot-rely-on-misrepresentation-if-it-fails-to-investigate-doubtful-facts/18615</loc>  <lastmod>2015-09-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cybercrimes-and-cybersecurity-bill-draft-for-public-comment/18607</loc>  <lastmod>2015-08-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fais-act-debarment-is-industry-wide/18591</loc>  <lastmod>2015-08-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/without-prejudice-letter-with-admission-of-liability-interrupts-prescription/18577</loc>  <lastmod>2015-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/material-non-disclosures-cancellation-of-policy-and-serious-financial-difficulty/18557</loc>  <lastmod>2015-08-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/175-000-south-african-have-an-affair-details-posted-on-dark-net/18549</loc>  <lastmod>2015-08-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deductible-for-one-person-or-organisation/18500</loc>  <lastmod>2015-08-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-importance-of-preserving-medical-records/18469</loc>  <lastmod>2015-08-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-loading-and-unloading-in-policy-exclusion/18456</loc>  <lastmod>2015-08-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fatca-legislation-to-dramatically-impact-sa-financial-services-sector/18462</loc>  <lastmod>2015-08-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/vorsprung-drafting-technik-preserving-the-no-claim-bonus-and-disclosure/18284</loc>  <lastmod>2015-07-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-s-discretion/18265</loc>  <lastmod>2015-07-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/hedge-funds-declared-collective-investment-schemes/18254</loc>  <lastmod>2015-07-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-bitcoin-be-insured/18255</loc>  <lastmod>2015-07-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-settlement-agreements-and-fraud/18224</loc>  <lastmod>2015-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-is-a-direct-financial-loss-in-a-fidelity-claim/18214</loc>  <lastmod>2015-06-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contracting-with-a-trust/18170</loc>  <lastmod>2015-06-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/you-can-have-tcf-compliant-products-but-be-fined-for-treating-customers-unfairly/18148</loc>  <lastmod>2015-06-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-dangers-of-insurance-premium-collusion/18142</loc>  <lastmod>2015-06-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/marine-war-risk-exclusions-rejected-and-sue-and-labour-expenses-discussed-where-insured-is-faultless/18120</loc>  <lastmod>2015-06-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/medical-malpractice-claims-fall-to-14-year-low-in-pennsylvania-a-lesson-for-south-africa/18085</loc>  <lastmod>2015-06-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-we-all-need-product-liability-and-comprehensive-insurance/18073</loc>  <lastmod>2015-06-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/competition-commission-amends-practitioner-update-on-asset-securitisation-schemes/18036</loc>  <lastmod>2015-06-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/error-omission-or-negligent-act-does-not-include-wilfulness/18027</loc>  <lastmod>2015-05-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/endorsement-overrides-policy-terms/17998</loc>  <lastmod>2015-05-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/capping-of-medmal-claims-a-look-at-missouri-s-proposed-scheme/17985</loc>  <lastmod>2015-05-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/regulatory-rules-must-be-rational/17986</loc>  <lastmod>2015-05-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/guarantees-and-suretyships-may-be-guarantee-policies-and-therefore-unlawful/17987</loc>  <lastmod>2015-05-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurer-s-duty-to-defend-us-judgment/17931</loc>  <lastmod>2015-05-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/there-is-no-fire-without-smoke-and-the-smoke-is-not-pollution/17923</loc>  <lastmod>2015-05-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ambiguity-in-contracts/17924</loc>  <lastmod>2015-05-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-contribute-equally-to-20-million-goldman-hq-event/17906</loc>  <lastmod>2015-05-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-and-assisted-suicide/17892</loc>  <lastmod>2015-05-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/be-careful-what-you-say-damages-for-misrepresentation/17852</loc>  <lastmod>2015-05-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/interpret-contracts-according-to-words-purpose-and-context/17827</loc>  <lastmod>2015-04-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/two-storms-one-or-two-deductibles/17787</loc>  <lastmod>2015-04-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/botswana-insurance-industry-bill/17735</loc>  <lastmod>2015-04-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fracking-and-insurance/17623</loc>  <lastmod>2015-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/house-owners-insurance-cost-of-rebuilding-on-the-original-site/17477</loc>  <lastmod>2015-02-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-disclosure-test-is-in-the-insurance-act/17436</loc>  <lastmod>2015-02-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/power-outage-is-not-direct-physical-loss-or-damage-usa-case/17401</loc>  <lastmod>2015-02-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/who-owns-your-instagram-content/17366</loc>  <lastmod>2015-02-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ten-things-to-know-about-the-governance-and-risk-management-framework-for-insurers/17290</loc>  <lastmod>2015-01-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sword-removed-from-the-head-of-home-owners-associations/17255</loc>  <lastmod>2015-01-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-coverage-for-bullying/17241</loc>  <lastmod>2015-01-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/big-win-for-banks-against-sureties-in-context-of-business-rescue/17194</loc>  <lastmod>2014-12-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/household-insurance-break-in-by-physical-damage-required/17156</loc>  <lastmod>2014-11-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cyber-risk-loss-what-should-board-members-do/17126</loc>  <lastmod>2014-11-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pi-is-necessary-but-so-is-avoiding-the-courts-altogether/17115</loc>  <lastmod>2014-11-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/apartment-gas-leak-one-occurrence-despite-multiple-injuries/17102</loc>  <lastmod>2014-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tcf-directors-fined-for-mis-selling/17071</loc>  <lastmod>2014-11-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-insurance-claims-and-private-prosecutions/17044</loc>  <lastmod>2014-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-insurance-claims/16954</loc>  <lastmod>2014-10-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fraudulent-insurance-claims/16941</loc>  <lastmod>2014-10-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/60-not-40-days-notice-to-fsb-to-end-binders/16913</loc>  <lastmod>2014-10-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sars-takes-another-stab-at-interpreting-the-group-of-companies-definition/16789</loc>  <lastmod>2014-09-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/think-carefully-before-becoming-a-trustee/16516</loc>  <lastmod>2014-08-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/value-added-tax-and-the-disposal-of-a-partnership-interest-to-the-remaining-partner/16421</loc>  <lastmod>2014-07-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pension-funds-a-massive-force-for-development-in-africa/16365</loc>  <lastmod>2014-07-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/strikes-put-employers-in-awkward-position-over-pension-contributions/16357</loc>  <lastmod>2014-07-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/participation-bonds/16292</loc>  <lastmod>2014-07-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/death-benefits-and-section-37c-the-burden-on-the-board-of-trustees/16295</loc>  <lastmod>2014-07-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-popi-act-brings-operational-financial-and-legal-burden-to-businesses-and-their-third-party-outsource-service-providers/16087</loc>  <lastmod>2014-05-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/contractual-liability-exclusions-in-insurance-policies/15995</loc>  <lastmod>2014-05-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/duties-and-potential-liability-of-the-independent-expert/15970</loc>  <lastmod>2014-05-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exhaust-the-primary-insurance-cover-before-claiming-under-excess-policies/15931</loc>  <lastmod>2014-04-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/mediation-increasingly-preferred-over-litigation/15909</loc>  <lastmod>2014-04-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-of-companies-that-fail-to-pay-retirement-fund-contributions-now-personally-liable/15885</loc>  <lastmod>2014-04-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-takes-its-first-steps/15848</loc>  <lastmod>2014-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-personally-liable-for-unpaid-pension-contributions-and-other-changes/15849</loc>  <lastmod>2014-04-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/kpmg-popi-takes-effect/15832</loc>  <lastmod>2014-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/notification-to-an-insurer-of-circumstances-likely-to-give-rise-to-a-claim/15708</loc>  <lastmod>2014-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-professional-privilege-and-invoices-from-attorneys/15715</loc>  <lastmod>2014-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/withdrawal-of-assessments-under-the-tax-administration-act/15716</loc>  <lastmod>2014-03-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-liable-for-bad-faith-settlement-in-usa/15658</loc>  <lastmod>2014-03-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-declares-war-on-personal-injury-lawyers/15585</loc>  <lastmod>2014-03-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sa-businesses-are-not-ready-for-new-privacy-protection-legislation/15533</loc>  <lastmod>2014-03-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/broker-liable-for-under-insurance-of-business-interruption/15496</loc>  <lastmod>2014-03-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/power-of-attorney-in-south-africa-the-shortfalls/15497</loc>  <lastmod>2014-03-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/pension-fund-investments-a-changing-landscape/15482</loc>  <lastmod>2014-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/1-emotional-shock-damages-for-michael-jackson-fans/15458</loc>  <lastmod>2014-02-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-banks-amendment-act/15224</loc>  <lastmod>2014-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-jse-rules-on-hybrid-financial-instruments/15225</loc>  <lastmod>2014-01-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/calling-up-bank-guarantees-in-tranches/14947</loc>  <lastmod>2013-11-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-becomes-law/14936</loc>  <lastmod>2013-11-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/business-advised-to-align-with-new-data-protection-legislation/14898</loc>  <lastmod>2013-11-21</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/shuttleworth-v-the-south-african-reserve-bank/14707</loc>  <lastmod>2013-10-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/disclaimers-may-prove-unconstitutional/14680</loc>  <lastmod>2013-10-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/lost-or-stolen-cheques-who-assumes-the-risk/14646</loc>  <lastmod>2013-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/court-s-discussion-as-to-residing-in-your-household/14265</loc>  <lastmod>2013-09-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/protection-of-personal-information-bill/14189</loc>  <lastmod>2013-09-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/common-and-recurring-practical-questions-under-the-companies-act-2008/14123</loc>  <lastmod>2013-08-29</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-does-material-non-disclosure-void-an-insurance-contract/14031</loc>  <lastmod>2013-08-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/living-longer-but-also-outliving-your-finances/13947</loc>  <lastmod>2013-07-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/affinity-and-partnership-marketing-in-uk-legal-services/13916</loc>  <lastmod>2013-07-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/top-questions-to-ask-about-life-insurance-cover/13840</loc>  <lastmod>2013-07-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/what-to-do-with-your-first-paycheck/13727</loc>  <lastmod>2013-06-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-the-insurance-industry-should-consider-mediation/13396</loc>  <lastmod>2013-04-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/doctors-cautioned-not-to-allow-agreements-with-medical-schemes-to-influence-patient-care-decisions/13365</loc>  <lastmod>2013-04-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/debt-review-applications-do-not-constitute-an-act-of-insolvency/13311</loc>  <lastmod>2013-03-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-electronic-litigation-age-cometh/13264</loc>  <lastmod>2013-03-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/employer-s-failure-to-pay-pension-fund-contributions-to-become-a-criminal-offence/13019</loc>  <lastmod>2013-01-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/exemption-notices/12961</loc>  <lastmod>2012-12-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/keeping-tax-records-in-the-cloud/12888</loc>  <lastmod>2012-11-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-voetstoots-clause-no-longer-always-a-defence/12824</loc>  <lastmod>2012-11-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-other-measures-that-popi-creates-in-relation-to-the-processing-of-personal-information/12672</loc>  <lastmod>2012-10-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/examining-the-impact-of-the-protection-of-personal-information-bill/12649</loc>  <lastmod>2012-10-05</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-financial-services-laws-general-ammendment-bill-and-other-reforms-for-pension-funds/12643</loc>  <lastmod>2012-10-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-and-business-owners-don-t-get-bitten-company-law-v-tax-law-sale-of-shares-business-or-assets/12472</loc>  <lastmod>2012-09-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/apple-vs-samsung-ruling-the-start-of-a-new-wave-of-legal-battles/12446</loc>  <lastmod>2012-08-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/dependents-claim-for-loss-of-support-and-the-application-of-the-assessment-of-damages-act-no-9-of-1969/12385</loc>  <lastmod>2012-08-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/changes-to-local-and-international-anti-corruption-laws-could-leave-sa-corporates-in-hot-water/12376</loc>  <lastmod>2012-08-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/ground-breaking-ruling-regarding-ip-protection-of-motor-replacement-parts-bmw-and-grandmark-part-company/12326</loc>  <lastmod>2012-08-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/raf-don-t-dread-costs-of-fair-compensation-expert/12280</loc>  <lastmod>2012-07-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/oceana-the-presumption-of-collusion-in-competition-law/12137</loc>  <lastmod>2012-07-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescription-be-careful-it-bites/12139</loc>  <lastmod>2012-07-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/constitution-amendment-bill-has-potential-to-significantly-affect-competition-law-in-sa/12100</loc>  <lastmod>2012-06-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-financial-markets-bill-set-to-significantly-impact-on-sa-financial-markets/11987</loc>  <lastmod>2012-05-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-also-requires-protection-of-information-about-companies/11758</loc>  <lastmod>2012-04-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-fiction-becomes-reality-admissibility-of-recorded-telephonic-discussions/11759</loc>  <lastmod>2012-04-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/conversion-of-a-public-company-to-a-private-company/11743</loc>  <lastmod>2012-04-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-dangers-of-alternate-trustees/11548</loc>  <lastmod>2012-02-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-changing-landscape-of-third-party-compensation-in-south-africa-how-does-it-affect-you/11477</loc>  <lastmod>2012-02-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-conversion-of-par-value-shares-into-no-par-value-shares-for-company-law-purposes/11200</loc>  <lastmod>2012-01-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-law-places-legal-liability-on-homeowners-for-pool-accidents/11174</loc>  <lastmod>2011-12-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/german-businessman-s-multimillion-raf-claim-is-turned-down/11145</loc>  <lastmod>2011-12-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/south-african-legal-issues-keeping-lawyers-busy/11130</loc>  <lastmod>2011-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-interest-at-60-a-year-lawful-how-about-72/11131</loc>  <lastmod>2011-12-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/promotion-of-access-to-information-is-your-manual-ready/11084</loc>  <lastmod>2011-11-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/director-disqualification-new-companies-act-and-competition-act/11049</loc>  <lastmod>2011-11-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sureties-cannot-hide-behind-the-moratorium-granted-to-companies-in-business-rescue/11055</loc>  <lastmod>2011-11-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/how-to-find-a-reputable-attorney/11013</loc>  <lastmod>2011-11-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/prescribed-debt-the-clock-is-ticking/10893</loc>  <lastmod>2011-10-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/unfair-labour-practices-benefits-where-are-we/10894</loc>  <lastmod>2011-10-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-new-financial-markets-bill/10797</loc>  <lastmod>2011-10-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/removing-directors-even-minority-shareholders-now-have-a-foot-in-the-door/10704</loc>  <lastmod>2011-09-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/companies-act-dealing-with-the-memorandum-of-incorporation-moi/10705</loc>  <lastmod>2011-09-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/changing-the-landscape-of-preference-share-transactions/10380</loc>  <lastmod>2011-07-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/employers-not-obliged-to-pay-employer-s-contributions-during-strikes/10313</loc>  <lastmod>2011-07-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/why-the-companies-act-2008-will-benefit-smme-s/10228</loc>  <lastmod>2011-07-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-impact-of-the-new-companies-act-on-debt-capital-market-issuances/10073</loc>  <lastmod>2011-06-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/be-careful-big-brother-really-is-watching/9795</loc>  <lastmod>2011-05-24</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/consumer-protection-act-risks-of-non-compliance/9596</loc>  <lastmod>2011-05-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/farewell-to-small-print-unfair-contract-terms-and-reasonable-cancellation-penalties/9388</loc>  <lastmod>2011-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-the-cpa-the-final-word-on-product-liability/9389</loc>  <lastmod>2011-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-consumer-protection-act-and-government-services-with-a-word-about-property-and-the-voetstoots-clause/9390</loc>  <lastmod>2011-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/collective-misconduct-and-discipline/9342</loc>  <lastmod>2011-04-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/a-real-gender-bender-from-the-european-court-of-justice/9184</loc>  <lastmod>2011-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/freedom-of-contract-and-the-consumer-protection-act/9217</loc>  <lastmod>2011-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-company-car-legislation-results-in-increased-taxation-and-administration-nightmare/9218</loc>  <lastmod>2011-03-10</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurance-law-vs-equity/9190</loc>  <lastmod>2011-03-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/implications-of-the-consumer-protection-act-for-sa-businesses-in-plain-language/9164</loc>  <lastmod>2011-03-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-pension-fund-boards-and-the-principal-officer/9118</loc>  <lastmod>2011-02-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/popi-the-vehicle-to-achieving-customer-trust-and-performing-business-across-borders-pwc/9127</loc>  <lastmod>2011-02-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sa-institutional-investors-to-adapt-to-new-playing-fields/8980</loc>  <lastmod>2011-01-25</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-policyholder-protection-rules-action-list/8941</loc>  <lastmod>2011-01-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/road-accident-fund-amendment-act-the-constitutional-court-decides/8907</loc>  <lastmod>2010-12-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/retirement-fund-surpluses-continue-to-court-controversy/8877</loc>  <lastmod>2010-11-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/subrogation-hooray-the-kzn-court-gets-it-right/8836</loc>  <lastmod>2010-11-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-consumer-protection-act-and-cross-border-transactions/8781</loc>  <lastmod>2010-11-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/health-practitioner-insurance-on-hold/8765</loc>  <lastmod>2010-11-08</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-the-financial-services-board-and-the-consumer/8750</loc>  <lastmod>2010-11-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/consumer-protection-continues/8606</loc>  <lastmod>2010-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-consumer-protection-act-in-full-force-31-march-2011/8565</loc>  <lastmod>2010-09-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/implementation-of-the-new-companies-act-delayed/8572</loc>  <lastmod>2010-09-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/good-news-for-members-of-loyalty-programmes/8529</loc>  <lastmod>2010-09-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/fisa-calls-for-probate-system/8381</loc>  <lastmod>2010-08-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/no-commission-after-cancelling-policy-during-cooling-off/8008</loc>  <lastmod>2010-06-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/when-a-gift-is-not-a-gift-but-a-bribe/7990</loc>  <lastmod>2010-06-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/concurrent-causes-in-light-of-the-judgement-of-m-f-v-ingram-no-and-others/7901</loc>  <lastmod>2010-05-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/application-of-disclaimer-clauses-to-third-parties/7902</loc>  <lastmod>2010-05-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/don-t-trip-up-monitoring-legal-and-regulatory-change-april-2010/7733</loc>  <lastmod>2010-04-14</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/cgf-puts-company-officers-on-the-fast-track-to-success/7719</loc>  <lastmod>2010-04-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-loyalty-schemes-fall-foul-of-insurance-legislation/7627</loc>  <lastmod>2010-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/insurers-warned-to-ensure-baseline-compliance-with-cpa-or-face-penalties/7501</loc>  <lastmod>2010-02-22</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sale-of-property-as-a-going-concern/7426</loc>  <lastmod>2010-02-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/new-treaty-addresses-the-issues-of-expropriation-and-compensation-for-investors-affected-by-expropriation-after-27-november-2009/7394</loc>  <lastmod>2010-01-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/absa-consultants-and-actuaries-latest-pension-fund-adjudicator-cases/7278</loc>  <lastmod>2009-12-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/property-sale-agreements-being-altered-after-they-have-been-signed-are-they-valid/7243</loc>  <lastmod>2009-11-26</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-new-companies-act-of-2008-what-about-close-corporations/7169</loc>  <lastmod>2009-11-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-protection-of-personal-information-bill/6959</loc>  <lastmod>2009-10-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/directors-beware-antitrust-criminal-liability-arrives-in-south-africa/6769</loc>  <lastmod>2009-08-31</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deliberate-manipulation-of-securities-prices-will-invariably-and-inevitably-be-harshly-penalised/6489</loc>  <lastmod>2009-07-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/administrative-penalties-a-deterrent-to-market-abuse/6486</loc>  <lastmod>2009-06-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/trading-as-no-more/6416</loc>  <lastmod>2009-06-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/is-the-registration-of-a-mortgage-bond-a-disposal-of-assets/6391</loc>  <lastmod>2009-06-09</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/can-a-transfer-of-immovable-property-be-valid-even-if-the-underlying-sale-agreement-is-not/6268</loc>  <lastmod>2009-05-18</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/short-selling/6201</loc>  <lastmod>2009-05-07</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/retrenchment-seven-things-an-employee-ought-to-know/6202</loc>  <lastmod>2009-05-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/let-s-face-it-notification-of-default-judgment-on-facebook/6098</loc>  <lastmod>2009-04-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/determining-the-rights-of-spouses-in-polygamous-marriages/6023</loc>  <lastmod>2009-03-23</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/e-commerce-is-there-such-a-thing-as-consumer-protection-in-internet-transactions/6017</loc>  <lastmod>2009-03-20</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-companies-bill-61-of-2008-new-categories-of-companies/5973</loc>  <lastmod>2009-03-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/sold-your-property-against-all-odds-a-warning-when-to-sign-is-as-important-as-what-to-sign/5839</loc>  <lastmod>2009-02-16</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reckless-trading-can-lead-to-personal-liability/5740</loc>  <lastmod>2009-02-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/werksmans-brief-the-new-busines-rescue-procedure/5624</loc>  <lastmod>2008-12-12</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/reversal-of-fortunes/5620</loc>  <lastmod>2008-12-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/tipping-the-environmental-scale-again/5568</loc>  <lastmod>2008-12-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-case-law-update-subrogation-can-insurer-sue-in-its-own-name-without-cession/5456</loc>  <lastmod>2008-11-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-case-law-update-unintended-damage-in-the-context-of-contract-works-policies/5457</loc>  <lastmod>2008-11-15</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/increased-risk-for-companies-and-directors-implicated-in-contravening-the-competition-act/5409</loc>  <lastmod>2008-11-06</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-comment-on-recent-supreme-court-of-appeal-judgement-regarding-2004-makro-fire/5368</loc>  <lastmod>2008-10-30</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-legal-standing-of-trusts/5260</loc>  <lastmod>2008-10-13</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/guarding-against-banana-skin-lawsuits/5192</loc>  <lastmod>2008-10-01</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/implications-of-section-34-of-insolvency-act-on-commercial-transfers/5007</loc>  <lastmod>2008-09-02</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/trusts-how-can-they-fail-you/4650</loc>  <lastmod>2008-07-03</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/deneys-reitz-section-3-of-the-state-liability-act-unconstitutional/4485</loc>  <lastmod>2008-06-04</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/private-hospital-networks-carrying-professional-indemnity/4072</loc>  <lastmod>2008-03-27</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-current-law-on-restraints-of-trade/3465</loc>  <lastmod>2007-11-19</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/the-misuse-of-liquidation/2906</loc>  <lastmod>2007-10-11</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/legal-updates/3115</loc>  <lastmod>2007-06-28</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url> <url>  <loc>https://www.fanews.co.za/article/legal-affairs/10/general/1120/time-running-out-for-claiming-free-shares/3</loc>  <lastmod>2004-06-17</lastmod>  <changefreq>weekly</changefreq>  <priority>0.5</priority> </url></urlset>