<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://www.decodeecon.com/p/what-if-college-didnt-cost-45000</loc><news:news><news:publication><news:name>Decode Econ</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-16T11:36:13+00:00</news:publication_date><news:title>What If College Didn’t Cost $45,000?</news:title></news:news></url><url><loc>https://www.decodeecon.com/p/when-risk-isnt-rational-the-economics</loc><news:news><news:publication><news:name>Decode Econ</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-15T11:35:44+00:00</news:publication_date><news:title>When Risk Isn’t Rational: The Economics of Scarcity, Survival, and War</news:title></news:news></url></urlset>