<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//koljarafferty.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" 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 http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://koljarafferty.com/</loc>
		<lastmod>2026-05-13T06:25:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/08/09/good-chairman-non-executive-board/</loc>
		<lastmod>2025-08-08T18:00:59+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/07/Roz-Ellis-Selected-as-USA-Field-Hockey-Womens-National.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/abigail-keenan-YMVGhdhEgLY-unsplash-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/06/Executive-Stress-drivers-3.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/08/2-Stress-Factor-01.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/09/The-Good-Coach-01-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/06/28/the-rucksack-principle-how-leaders-and-organizations-survive-when-systems-fail/</loc>
		<lastmod>2025-08-11T19:30:16+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/06/bergen-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2015/01/30/chf-appreciation/</loc>
		<lastmod>2025-08-17T07:46:56+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/09/MOV_a2f92787_b-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2015/06/27/prepare-for-disruptive-innovation/</loc>
		<lastmod>2025-08-17T09:09:59+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2015/06/lego-1205178_1280-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2015/10/25/swiss-ma-transactions/</loc>
		<lastmod>2025-08-17T11:24:21+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/09/Casino-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/04/Acquisition-in-Swiss-Media-industry-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/02/startup-management/</loc>
		<lastmod>2025-08-17T11:35:23+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/8e189384-a909-4183-b9d1-8162a65fb90b-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/screen-shot-2017-05-02-at-15-23-54-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/02/digital-economy/</loc>
		<lastmod>2025-08-17T13:30:34+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/b2af69c4-135c-4e99-a87a-eb1d470b489a-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/screen-shot-2017-05-02-at-23-48-48-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/screen-shot-2017-05-02-at-23-49-47-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/screen-shot-2017-05-02-at-23-50-13-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/02/digital-transformation-national-state/</loc>
		<lastmod>2025-08-17T13:54:50+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/3a6cedae-f0dc-4354-9ef5-b22e80c33e40-1-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/06/stages-of-bankruptcy/</loc>
		<lastmod>2025-08-17T14:52:21+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/autopsy-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/screen-shot-2017-05-02-at-15-23-54-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment11-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment22-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment3-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment4-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment5-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment6-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment7-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment8-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment9-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment10-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment111-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment12-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment13-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment14-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment15-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/comment16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/08/facts-about-turnaround-situations/</loc>
		<lastmod>2025-08-17T14:58:49+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/white-water-rafting-1-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/internal-reasons-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/external-reasons-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/2-10-facts-on-turnaround-situations-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/15/how-long-should-a-turnaround-take/</loc>
		<lastmod>2025-08-17T15:04:10+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/mrwolf-cx2-ring-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/past-reasons-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/phasis-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/past-reasons2-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/15/4-stages-of-turnaround/</loc>
		<lastmod>2025-08-17T15:19:39+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/8fa4a3e34310fe847001e37272d7b9aa-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/past-reasons3-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/25/performance-turnaround-management/</loc>
		<lastmod>2025-08-17T15:27:06+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/shutterstock_samebooks-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/Types-of-Executives-878846225-1495703680703-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/Types-of-Executives-in-distress-1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/23/when-should-you-begin-the-turnaround-process/</loc>
		<lastmod>2025-08-17T15:33:03+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/shutterstock_lasvegas-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/5-Turnaround-a-company-for-going-concern_Page_2-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/5-Turnaround-a-company-for-going-concern_Page_1-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/05/24/identify-a-distress-situation/</loc>
		<lastmod>2025-08-17T15:40:06+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Navy-Air-insertion-1232x600-1716665527-1574116633707-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/How_to_Create_resilient_organizations_13-05-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/05/stages-of-depression-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/10/06/why-businesses-fail/</loc>
		<lastmod>2025-08-17T18:37:19+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/10/death-title-image_tcm7-187855-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/10/Why-do-Companies-Fail-Survey-2014-Turnaround-Management-Society-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/10/Unbenannt-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/10/005_Corporate-Life_10-2017_All-good-things-come-to-an-end-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2017/10/12/strategic-leadership-in-the-boardroom/</loc>
		<lastmod>2025-08-17T18:48:00+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2017/10/toothless-tiger.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2018/01/06/types-of-investors/</loc>
		<lastmod>2025-08-17T18:55:59+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/8188302_orig-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/category-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/3-All-investors-are-equal-but-some-are-more-equal-than-others_Page_1-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/3-All-investors-are-equal-but-some-are-more-equal-than-others_Page_2-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2018/01/27/activist-investors/</loc>
		<lastmod>2025-08-17T19:03:44+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/Dwerf_new.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/contact-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/activist-outcome-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/01/framework-2-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/02/underlying-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2018/02/04/manage-activist-shareholders/</loc>
		<lastmod>2025-08-17T19:15:55+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/02/Pretorian-guard-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2018/02/4-The-Non-Executive-Board-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2019/11/17/ceo-behavior-and-distress/</loc>
		<lastmod>2025-08-17T19:22:45+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/why-do-you-avoid-the-truth-about-yourself-and-how-seeking-reality-can-transform-your-life-696x464-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/MossKanter-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/08/known-unknowns-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/03/23/coronavirus-economy-sme/</loc>
		<lastmod>2025-08-17T19:37:07+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/03/shutterstock_1670847745_corona-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/03/markus-spiske-3_SvgDspSTE-unsplash-1-scaled.jpg?fit=736%2C491&amp;ssl=1</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/03/coronavirus-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/01/01/ceo-divorce-and-firm-performance/</loc>
		<lastmod>2025-08-17T19:41:24+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/img_1459-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/04/25/survive-coronavirus-crisis/</loc>
		<lastmod>2025-08-20T15:44:32+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/04/Tsunami_iStock-186041798-1024x640-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/04/graph.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/05/7-MANAGEMENT-TECHNIQUES-TO-SURVIVE-THE-CORONA-CRISIS_final-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/05/13/bankruptcy/</loc>
		<lastmod>2025-08-21T05:46:52+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/bankrupcy-an-avalanche-in-slow-motion.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Dynamic-of-bankruptcy.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/research-2.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/05/An-Avalanche-in-3-Stages-01.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/06/08/corporate-turnaround/</loc>
		<lastmod>2025-08-21T06:31:09+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/06/female-100319_1280-1024x682-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/06/Turnaround-Quick-Check-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/07/13/cash-constraints/</loc>
		<lastmod>2025-08-21T06:51:38+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/06/plane-2662098_1280.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/07/RETAINING-LIQUIDITY-in-Situations-01-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/07/Flying-On-Sight-01.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2020/10/29/covid-catalyst/</loc>
		<lastmod>2025-08-24T04:54:38+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/10/pexels-cottonbro-3952245-scaled-e1603989543381.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/10/Picture2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/10/Picture1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2020/10/12-The-Corona-misconception-01-1-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2023/01/16/nepotism-in-business/</loc>
		<lastmod>2025-08-24T17:32:19+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/01/hunters-race-MYbhN8KaaEc-unsplash-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/01/greiner-curve.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2019/11/Kolja-Rafferty.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2023/05/22/the-paratrooper-mindset/</loc>
		<lastmod>2025-08-24T17:42:27+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/05/the-paratrooper-mindset.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/05/the-cynefin-framework.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/05/troubled-companys-cycle-of-decline.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2023/05/research-stress-factors.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/05/30/out-the-door-at-1200-feet-rationalization-and-the-illusion-of-control-in-business/</loc>
		<lastmod>2025-08-24T17:46:03+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/05/Paratrooper.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/05/cynefin.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/06/02/the-curse-of-competence-when-capability-becomes-a-systemic-risk/</loc>
		<lastmod>2025-08-24T17:52:50+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/06/40739-2021-02-06T180520Z_65807071_UP1EH261E8WXL_RTRMADP_3_RU.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/07/07/through-the-fog-how-to-think-when-the-rules-stop-working/</loc>
		<lastmod>2025-08-28T05:14:55+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/07/1_g3mQdyhPmLbGFy2SwWq96w.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/09/23/digital-fdi-the-new-battleground-for-capital/</loc>
		<lastmod>2025-09-23T09:21:41+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/09/premium_photo-1661962249814-f0294a3846e6.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/10/27/south-south-fdis-the-gccs-expanding-investment-horizon-in-africa/</loc>
		<lastmod>2025-10-27T07:05:00+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/09/africa-1000x600-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/09/Table-1-scaled.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/12/03/resource-nationalism-control-sovereignty-and-the-shifting-logic-of-fdi/</loc>
		<lastmod>2025-12-03T07:34:00+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/09/Most-Valuable-Rocks-And-Minerals.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/07/19/we-are-all-family-at-work-is-misleading-and-dangerously-toxic/</loc>
		<lastmod>2026-02-25T15:15:40+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/07/adrian-appalsamy-GUJMq60cw3s-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/12/14/china-as-mirror-not-master-what-beijings-role-reveals-about-africas-development-challenge/</loc>
		<lastmod>2026-03-02T11:02:19+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-14-2025-10_41_46-PM.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/12/image.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2026/03/02/fdi-vs-portfolio-capital-the-myth-of-lasting-loyalty/</loc>
		<lastmod>2026-03-11T06:50:22+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2026/03/ChatGPT-Image-Mar-2-2026-10_35_30-AM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2026/04/14/situations-of-rapid-change-when-control-starts-slipping/</loc>
		<lastmod>2026-04-14T08:49:00+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/12/common-pcb-defects-what-causes-a-circuit-board-to-burn.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/12/SRC.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2026/04/07/uaes-1-billion-ai-initiative-in-africa-a-strategic-fdi-move-amid-transformative-demographics-digital-opportunity/</loc>
		<lastmod>2026-04-07T20:58:00+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/12/Digital-Africa.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://koljarafferty.com/2025/07/10/the-company-under-martial-law-the-governance-gap-in-corporate-distress-why-boards-fail-when-companies-need-them-most/</loc>
		<lastmod>2026-05-13T06:25:43+00:00</lastmod>
		<image:image>
			<image:loc>https://koljarafferty.com/wp-content/uploads/2025/07/pointersam.png</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->