<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://johnappel.com/about/terms-of-use/</loc><lastmod>2014-01-16T22:14:33+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2009/03/27/jamba-inc-new-ceo-gives-company-a-boost/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/03/jmba-value-jpg3.jpg</image:loc><image:title>jmba-value-jpg3</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/03/jmba-projection-qtr-jpg.jpg</image:loc><image:title>jmba-projection-qtr-jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/03/jmba-projection-is-jpg.jpg</image:loc><image:title>jmba-projection-is-jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/03/jmba-store-model.jpg</image:loc><image:title>jmba-store-model</image:title></image:image><lastmod>2012-06-07T00:56:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/12/12/aig%e2%80%99s-bailout-needs-a-bailout-a-150-billion-problem/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/12/aig-table1-jpg2.jpg</image:loc><image:title>aig-table1-jpg2</image:title><image:caption>click to enlarge</image:caption></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/12/aig-table2-jpg.jpg</image:loc><image:title>aig-table2-jpg</image:title><image:caption>click to enlarge</image:caption></image:image><lastmod>2009-11-18T06:27:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/about/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/john_bio.gif</image:loc><image:title>John Appel Picture</image:title></image:image><lastmod>2009-10-25T14:53:02+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2009/05/29/jamba-inc-q1-first-impressions/</loc><lastmod>2009-06-01T15:23:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2009/05/14/xl-capital-ubs-still-bullish-after-recent-run-up/</loc><lastmod>2009-05-16T01:44:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2009/04/24/jda-software-outlook-improves-as-pipeline-grows/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/04/jda-model-jpg3.jpg</image:loc><image:title>jda-model-jpg3</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/04/jda-model-jpg2.jpg</image:loc><image:title>jda-model-jpg2</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/04/jda-model-jpg1.jpg</image:loc><image:title>jda-model-jpg1</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/04/jda-model-jpg.jpg</image:loc><image:title>jda-model-jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/04/jda-value-jpg.jpg</image:loc><image:title>jda-value-jpg</image:title></image:image><lastmod>2009-04-26T13:39:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2009/04/24/featured-articles/</loc><lastmod>2009-04-25T05:12:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/long-ideas/</loc><lastmod>2009-04-25T05:03:18+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2009/01/27/cott-corp-to-lose-wal-mart-exclusive/</loc><lastmod>2009-04-15T17:38:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/12/18/2009-will-be-jamba%e2%80%99s-comeback-year/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/12/jmba-numbers2jpg1.jpg</image:loc><image:title>jmba-numbers2jpg1</image:title></image:image><lastmod>2009-02-11T04:52:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/11/25/reinsurer-stocks-a-fear-driven-market-creates-opportunity/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/ins-stk-compare-tff.gif</image:loc><image:title>Reinsurer Stock Price Comparison</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/cds-spiral.jpg</image:loc><image:title>cds-spiral</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/table3jpg.jpg</image:loc><image:title>table3jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/table1jpg.jpg</image:loc><image:title>table1jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/cmbx-2-spread-11-24jpg.jpg</image:loc><image:title>cmbx-2-spread-11-24jpg</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/table2.jpg</image:loc><image:title>Reinsurer Portfolio Information</image:title><image:caption>Reinsurer Portfolio Information</image:caption></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/table1.jpg</image:loc><image:title>Insurer Market Values, Key Metrics, and Target Prices</image:title></image:image><lastmod>2009-02-11T04:51:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/short-ideas/</loc><lastmod>2009-02-09T19:47:52+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/imho/</loc><lastmod>2009-02-09T17:53:39+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2009/02/05/xl-capital-short-interest-poised-to-drop-%e2%80%93-will-the-stock-pop/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/02/xl-shorts-since-05.gif</image:loc><image:title>xl-shorts-since-05</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/02/xl-stock-price-feb09-ltm.gif</image:loc><image:title>xl-stock-price-feb09-ltm</image:title></image:image><lastmod>2009-02-09T18:31:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/10/15/cott-corp-%e2%80%93-could-go-far-but-somebody-needs-to-grab-the-wheel/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/10/financial-summary4.jpg</image:loc><image:title>financial-summary</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/10/enterprise-value-calc.jpg</image:loc><image:title>enterprise-value-calc</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/10/cott-big-chart.gif</image:loc><image:title>Stock Price Chart</image:title></image:image><lastmod>2009-02-07T23:04:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/09/23/jamba-juice-work-in-process-but-rumors-of-its-demise-greatly-overstated/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jmba-ent-value1.jpg</image:loc><image:title>jmba-ent-value1</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jmba-numbers4.jpg</image:loc><image:title>jmba-numbers4</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jmba-numbers.jpg</image:loc><image:title>jmba-numbers</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jamba-4.jpg</image:loc><image:title>jamba-4</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jamba-3.jpg</image:loc><image:title>jamba juice small logo</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/09/jamba-juice1.gif</image:loc><image:title>Jamb Juice</image:title></image:image><lastmod>2009-02-07T23:02:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/11/08/jdas-retrade-is-justified/</loc><lastmod>2009-02-07T23:00:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2008/12/17/aig%e2%80%99s-bond-sale-is-no-cause-to-celebrate/</loc><lastmod>2009-04-15T17:43:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2009/01/13/private-equity-group-takes-stake-in-jamba/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/jmba-bigchart.gif</image:loc><image:title>JMBA stock chart</image:title></image:image><lastmod>2009-02-07T22:49:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/2009/01/15/mysterious-silence-from-cott-corporation/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/value-multiplesjpg1.jpg</image:loc><image:title>value-multiplesjpg1</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/stkchrt1-091.gif</image:loc><image:title>COT 12 Mo. Stock Prices</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/stkchrt1-09.gif</image:loc><image:title>1 Yr Stock Prices</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/value-multiplesjpg.jpg</image:loc><image:title>COT Valuation - Multiples</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/leveragejpg1.jpg</image:loc><image:title>COT Leverage Ratios</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/leveragejpg.jpg</image:loc><image:title>COT Leverage Ratios</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/pf3q08ajpg1.jpg</image:loc><image:title>COT Projections (JGA)</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2009/01/pf3q08ajpg.jpg</image:loc><image:title>COT Projections (JGA)</image:title></image:image><lastmod>2009-02-07T22:47:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/contact-me/</loc><lastmod>2009-01-28T03:40:13+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/about/cmbs-speads-through-121208/</loc><lastmod>2008-12-12T22:06:01+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/about/aig-pro-forma-pl-and-capitalization-ratios/</loc><lastmod>2008-12-12T15:04:45+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2008/10/11/jamba-juice-not-the-rights-offering-i-was-looking-for%e2%80%a6/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/10/jmbachart1.gif</image:loc><image:title>Jamba Stock Price Latest 12 Months</image:title></image:image><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/10/jmbachart.gif</image:loc><image:title>jmbachart</image:title><image:caption>JMBA Stock Price Latest 12 Months</image:caption></image:image><lastmod>2008-12-05T07:22:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com/about/reinsurer-market-multiples-and-target-prices/</loc><lastmod>2008-11-25T18:43:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/about/xl-capital-summary-of-q3-2008-fixed-income-portfolio/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/xl-fixed-income-portfolio-summary-jpg.jpg</image:loc><image:title>xl-fixed-income-portfolio-summary-jpg</image:title></image:image><lastmod>2008-11-25T18:07:17+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/about/jda-i2-enterprise-value-calculations/</loc><image:image><image:loc>https://johnappel.com/wp-content/uploads/2008/11/jda-i2-ev1.jpg</image:loc><image:title>jda-i2-ev1</image:title></image:image><lastmod>2008-11-09T15:48:45+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://johnappel.com/2008/09/29/ge-francise-finance-hits-the-brakes/</loc><lastmod>2008-11-04T22:44:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://johnappel.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2014-01-16T22:14:33+00:00</lastmod></url></urlset>
