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Photo courtesy Trinidad Guardian</image:title><image:caption>Calder Hart</image:caption></image:image><lastmod>2025-09-01T19:41:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/08/29/letter-to-the-editor-the-hdcs-program-paradox/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/08/jearline-john-guardian-story.jpg</image:loc><image:title>jearline john guardian story</image:title></image:image><lastmod>2025-08-31T03:07:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/10/30/public-secrets-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/10/darryl-smith.jpg</image:loc><image:title>darryl-smith</image:title></image:image><lastmod>2025-08-22T19:01:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2020/12/10/video-interview-on-the-morning-edition-8-december-2020/</loc><lastmod>2025-08-18T23:27:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/08/04/letter-to-the-editor-publish-the-colman-report-into-cl-financial-now/</loc><lastmod>2025-08-14T20:46:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/08/11/letter-to-the-editor-publish-details-of-state-office-rentals-now/</loc><lastmod>2025-08-16T11:51:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2020/12/27/public-procurement-collapse-part-three/</loc><lastmod>2025-06-24T11:35:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2020/12/21/public-procurement-collapse-part-i/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/12/pm-keith-rowley.jpg</image:loc><image:title>PM keith rowley</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/12/ramlogan-ramdeen.jpg</image:loc><image:title>ramlogan-ramdeen</image:title></image:image><lastmod>2025-06-23T23:44:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2012/11/05/cl-financial-bailout-without-rhyme-or-reason/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/11/senator_the_honourable_larry_howai.jpg</image:loc><image:title>senator_the_honourable_larry_howai</image:title><image:caption>Sen. Larry Howai, Minister of Finance</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/11/karlhudsonphillips.jpg</image:loc><image:title>karlhudsonphillips</image:title><image:caption>Karl Hudson-Phillips, QC</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/11/seenathjairam.jpg</image:loc><image:title>seenathjairam</image:title><image:caption>Seenath Jairam, SC</image:caption></image:image><lastmod>2025-05-09T16:11:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/04/09/letter-to-the-editor-on-proposed-restart-of-tobago-sandals-talks/</loc><lastmod>2025-04-16T02:47:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/04/09/jamp-citizen-perspectives-fighting-corruption-via-parliament-webinar-1-april-2025/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/jamp-logo.png</image:loc><image:title>jamp-logo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/jamp-cover.jpg</image:loc><image:title>jamp-cover</image:title></image:image><lastmod>2025-04-10T04:08:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2025/04/09/no-tax-holiday-for-sandals-trinidad-and-tobago-guardian/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/gaston-browne-pm-1.jpg</image:loc><image:title>Gaston-Browne-PM</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/official-web-bartlett-tourism-640x425-1.jpg</image:loc><image:title>official-web-Bartlett-tourism-640x425</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/official-web-bartlett-tourism-640x425-1-1.jpg</image:loc><image:title>official-web-Bartlett-tourism-640x425</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2025/04/gaston-browne-pm.jpg</image:loc><image:title>Gaston-Browne-PM</image:title></image:image><lastmod>2025-04-09T19:59:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2021/09/21/govts-property-tax-gamble-trinidad-and-tobago-guardian/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2021/09/guardianlogoblack.png</image:loc><image:title>GuardianLogoBlack</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2021/09/guardianlogowhite.png</image:loc><image:title>GuardianLogoWhite</image:title></image:image><lastmod>2025-04-09T04:05:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/05/15/legal-fees-dis-ease/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/05/legal-fees-1200x857-1.jpg</image:loc><image:title>Legal-Fees-1200x857</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/05/ramlogan-ramdeen-nelson.jpg</image:loc><image:title>ramlogan-ramdeen-nelson</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/05/brigid_annisette_george.jpg</image:loc><image:title>Brigid_Annisette_George</image:title></image:image><lastmod>2025-03-23T06:35:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2020/01/29/the-accountability-arc/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/01/arl10.jpg</image:loc><image:title>ARL10</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/01/bag01.jpg</image:loc><image:title>BAG01</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/01/matt-forum.jpg</image:loc><image:title>matt-forum</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/01/ctb-ord.jpg</image:loc><image:title>ctb-ord</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2020/01/inward-hunger.jpg</image:loc><image:title>inward hunger</image:title></image:image><lastmod>2025-03-02T10:16:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/01/23/from-thabolt-to-calcutta-tangled-webs-part-1/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/timhamelsmith.jpg</image:loc><image:title>timhamelsmith</image:title><image:caption>Senate president, Timothy Hamel-Smith</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/orvillelondon.jpg</image:loc><image:title>orvillelondon</image:title><image:caption>Orville London, THA Chief Secretary</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/tha-bolt1.jpg</image:loc><image:title>tha-bolt1</image:title></image:image><lastmod>2025-02-19T02:24:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/12/23/invaders-bay-review/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/12/invadersbay-bare.jpg</image:loc><image:title>invadersbay-bare</image:title><image:caption>2. 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2019</image:title></image:image><lastmod>2019-10-12T01:02:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/10/08/video-bussin-files-4-affordable-housing/</loc><lastmod>2019-10-09T00:05:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/09/18/property-matters-in-dependence-part-three/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/09/cancelled-hdc-contract.jpg</image:loc><image:title>cancelled-hdc-contract</image:title></image:image><lastmod>2019-09-28T11:39:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/09/21/video-interview-on-morning-edition-on-affordable-housing-19-sep-2019/</loc><lastmod>2019-09-22T17:32:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/09/11/property-matters-in-dependence-part-two/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/09/affordable-housing.jpg</image:loc><image:title>affordable housing</image:title></image:image><lastmod>2019-11-09T13:59:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/09/09/video-interview-on-the-morning-brew-on-cancellation-of-cggc-contract-9-sep-2019/</loc><lastmod>2019-09-10T14:20:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2019/09/04/property-matters-in-dependence/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/09/south-quay-apts2.jpg</image:loc><image:title>south quay apts2</image:title><image:caption>South Quay Apartments conceptual drawing</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/09/south-quay-apts.jpg</image:loc><image:title>south quay apts</image:title><image:caption>Conceptual Design of the proposed HDC South Quay, Port of Spain, Apartments. 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Image courtesy The Ministry of Housing and Urban Development</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2019/09/ladyhailes-apts.jpg</image:loc><image:title>ladyhailes apts</image:title><image:caption>Lady Hailes Avenue Apartments conceptual 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Integrity</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/11/rajiv-persad.jpg</image:loc><image:title>rajiv-persad</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/11/melville-baird.jpg</image:loc><image:title>melville-baird</image:title></image:image><lastmod>2018-11-16T00:41:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2018/11/15/video-bussin-files-3-our-season-of-reflection-in-this-information-war/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/11/bussin-files3.jpg</image:loc><image:title>bussin-files3</image:title></image:image><lastmod>2018-11-16T02:58:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2018/08/08/cl-financial-bailout-the-information-war/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/08/pain-whereisthatfileican_tseemedtofindit1.jpg</image:loc><image:title>Pain..+Where+is+that+file+!+I+can_t+seemed+to+find+it</image:title><image:caption>How soon can you  ? I need the doc URGENTLY. Which is the latest version? Where is that file?!? I can’t seemed to find it. I don’t have access to that document. I need to get into the office to send you the file.</image:caption></image:image><lastmod>2018-11-07T17:53:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2018/10/03/cl-financial-bailout-a-summary/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/10/cl-financial-bailout-a-summary.png</image:loc><image:title>CL Financial Bailout -- A summary</image:title></image:image><lastmod>2018-11-07T17:51:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2018/07/18/cl-financial-bailout-filling-the-gaps/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2018/07/vishnu-dhanpaul_1_0.jpg</image:loc><image:title>Vishnu Dhanpaul_1_0</image:title><image:caption>Vishnu Dhanpaul, PS Min of Finance. Courtesy Central Bank of 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Bailout</image:title></image:image><lastmod>2017-06-09T13:35:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/31/cl-financial-bailout-marooning-the-pirates/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/05/wilson-king-symmetry.png</image:loc><image:title>wilson-king-symmetry</image:title></image:image><lastmod>2017-05-31T16:02:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/25/cl-financial-bailout-the-endgame/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/05/papers.png</image:loc><image:title>papers</image:title></image:image><lastmod>2017-05-29T02:02:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/23/audio-interview-on-the-return-of-the-cl-financial-chief/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/05/power102fm.png</image:loc><image:title>power102fm</image:title></image:image><lastmod>2017-05-25T18:12:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/11/audio-property-tax-interview-on-96-1fm/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/05/96-1fm.png</image:loc><image:title>96.1fm</image:title></image:image><lastmod>2017-05-10T22:27:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/10/response-from-central-bank-on-the-cl-financial-bailout/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/05/disclosure-today-logo.png</image:loc><image:title>disclosure today logo</image:title></image:image><lastmod>2017-05-11T02:30:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/09/audio-the-afra-mandate-on-i95-5-fm/</loc><lastmod>2017-05-09T21:21:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/10/16/integrity-commission-public-notice/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/10/ic-response2013.jpg</image:loc><image:title>ic-response2013</image:title></image:image><lastmod>2017-05-07T16:27:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/08/27/integrity-threat-from-the-appeal-court/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/ictt-vs-tstt.jpg</image:loc><image:title>ictt-vs-tstt</image:title></image:image><lastmod>2017-05-07T12:39:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/05/03/video-interview-on-107-7-fm-on-property-tax-and-cl-financial/</loc><lastmod>2017-05-04T16:47:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/04/11/video-morning-brew-12-april-2016/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/04/cnc3-logo.jpg</image:loc><image:title>CNC3 Logo</image:title></image:image><lastmod>2017-04-11T19:13:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/02/13/audio-95-mandate-interview-6-feb-2015/</loc><lastmod>2017-04-07T18:55:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/04/05/cl-financial-bailout-fear-of-the-facts/</loc><lastmod>2017-04-06T04:06:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/04/03/audio-property-tax-facts-interview-on-sky-99-5-fm/</loc><lastmod>2017-04-05T17:38:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/09/16/property-matters-pay-day-part-two/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/09/past-due.png</image:loc><image:title>past-due</image:title></image:image><lastmod>2017-03-28T00:10:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/03/08/property-matters-the-affordability-hoax/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/randal-mitchell2.png</image:loc><image:title>randal-mitchell2</image:title><image:caption>Hon Randall Mitchell, MP, Minister of Housing and Urban Development</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/randal-mitchell1.png</image:loc><image:title>randal-mitchell1</image:title><image:caption>Hon Randall Mitchell, MP, Minister of Housing and Urban Development</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/affordability-hoax-sml.jpg</image:loc><image:title>affordability hoax-sml</image:title><image:caption>The Affordability Hoax. Drawing by David Cave.</image:caption></image:image><lastmod>2017-03-15T15:28:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/03/15/property-matters-achieving-affordability/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/newmangeorge.jpg</image:loc><image:title>newmangeorge</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/randall-mitchell1.jpg</image:loc><image:title>Randall Mitchell</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/03/hdclogo.png</image:loc><image:title>hdclogo</image:title></image:image><lastmod>2017-03-15T04:44:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/05/02/cl-financial-bailout-dupreys-gambit/</loc><lastmod>2017-03-06T22:50:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/09/09/is-the-integrity-commission-being-willfully-blind-towards-cl-financial/</loc><lastmod>2017-03-03T17:43:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/03/03/audio-interview-on-power-102-fm-on-cl-financial-bailout-21-february-2017/</loc><lastmod>2017-03-03T13:34:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/11/16/6793/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/11/nh-hdc-ppp.jpg</image:loc><image:title>nh-hdc-ppp</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/11/nh.png</image:loc><image:title>nh</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/11/jsc-ttmf.jpg</image:loc><image:title>jsc-ttmf</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/11/mitchell-at-pppdebut.jpg</image:loc><image:title>mitchell-at-pppdebut</image:title></image:image><lastmod>2017-02-21T01:43:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/02/20/video-the-secret-society/</loc><lastmod>2017-03-04T15:10:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/02/16/cl-financial-bailout-doublethink/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/02/doublethink.jpg</image:loc><image:title>doublethink</image:title></image:image><lastmod>2017-02-21T01:12:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/06/03/cl-financial-bailout-dupreys-story-sifi-vs-pifi/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/06/colm-duprey1.jpg</image:loc><image:title>colm-duprey</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/06/pullquote11.png</image:loc><image:title>pullquote1</image:title></image:image><lastmod>2017-02-17T12:47:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/02/06/video-public-procurement-progress/</loc><lastmod>2017-02-06T18:10:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/02/05/open-letter-to-central-bank-governor-on-cl-financial-bailout/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2017/02/dr-hilaire-photo-2.jpg</image:loc><image:title>dr-hilaire-photo-2</image:title></image:image><lastmod>2017-02-06T03:47:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/01/08/property-matters-state-housing-facts/</loc><lastmod>2017-02-16T22:12:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/01/18/video-afra-raymond-invaders-bay-mystery/</loc><lastmod>2017-01-18T16:22:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2017/01/13/video-tt-hotel-facts/</loc><lastmod>2017-01-13T07:03:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/12/20/6558/</loc><lastmod>2016-12-20T17:42:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/12/12/audio-facing-the-issues-interview-with-tony-fraser-along-with-drerek-chin-on-the-invaders-bay-judgement/</loc><lastmod>2016-12-13T21:46:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/12/07/property-matters-invaders-bay-part-two/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/12/invaders-bay-artist-rendering.jpg</image:loc><image:title>invaders-bay-artist-rendering</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/12/invaders-bay-artist-rendering-672x372.jpg</image:loc><image:title>invaders-bay-artist-rendering-672x372</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/12/dr-james-armstrong_1.jpg</image:loc><image:title>dr-james-armstrong_1</image:title></image:image><lastmod>2016-12-07T19:00:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/12/01/property-matters-invaders-bay/</loc><lastmod>2016-12-03T20:28:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/11/29/6497/</loc><lastmod>2016-11-29T21:38:34+00:00</lastmod><changefreq>monthly</changefreq></url><u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press conference with Dr. James Armstrong at left. Photo: AYANNA KINSALE. © 2016, Trinidad Express</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/09/hiway-report-tag.jpg</image:loc><image:title>hiway-report-tag</image:title></image:image><lastmod>2016-09-19T18:54:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/09/03/video-the-state-of-the-construction-industry-on-c-tv-11-aug-2016/</loc><lastmod>2016-09-03T03:02:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/08/28/video-afra-raymond-at-tobago-benchmark-symposium-on-18-aug-2016/</loc><lastmod>2016-09-01T21:03:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/08/23/the-colman-report/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/08/keith-rowley-emai.png</image:loc><image:title>Keith Rowley emai</image:title><image:caption>PM issues Statement on CLICO Report of Sir Anthony David Colman, QC. Courtesy news.gov.tt</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/08/colman.jpg</image:loc><image:title>colman report submission</image:title><image:caption>President Anthony Carmona receives the report of the commission of enquiry into Clico from secretary to the commission, Judith Gonzales, at the Office of the President, St Ann’s, yesterday. © 2016, T&amp;T Guardian.</image:caption></image:image><lastmod>2016-08-23T22:55:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2012/08/27/get-to-hell-outta-here/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/08/1288382533_audio.png</image:loc><image:title>1288382533_audio</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/08/rogues-gallery.jpg</image:loc><image:title>rogues-gallery</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/08/roguesgallery1.jpg</image:loc><image:title>roguesgallery</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/08/ericwilliams.jpg</image:loc><image:title>ericwilliams</image:title><image:caption>Eric Williams</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/08/patricksolomon.jpg</image:loc><image:title>patricksolomon</image:title><image:caption>Patrick Solomon</image:caption></image:image><lastmod>2016-08-08T13:41:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/06/06/board-games-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/06/state-boards-logos.jpg</image:loc><image:title>state-boards-logos</image:title></image:image><lastmod>2016-08-03T02:16:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/07/28/video-interview-on-the-colman-report-and-its-delayed-publication-on-107-7-fm/</loc><lastmod>2016-07-29T04:37:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/multimedia/sunday-talk-c-tv/</loc><lastmod>2016-07-29T04:02:35+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2010/11/13/current-affairs-24-october-2010/</loc><lastmod>2016-07-29T04:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/06/19/video-interview-on-cl-financial-bailout-and-auditor-generals-report-on-107-7-fm/</loc><lastmod>2016-07-17T18:57:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/07/15/audio-the-power-breakfast-show-interview-on-102-1-fm-13-july-2016/</loc><lastmod>2016-07-15T07:33:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/06/10/audio-the-power-breakfast-show-interview-on-102-1-fm-1-june-2016/</loc><lastmod>2016-07-15T07:30:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/05/30/board-games/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/05/tdc-letters.jpg</image:loc><image:title>tdc letters</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/05/terrence-farrell.jpg</image:loc><image:title>terrence farrell</image:title><image:caption>Dr. Terrence Farrell</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/05/demming-xed-out.jpg</image:loc><image:title>demming xed out</image:title></image:image><lastmod>2016-07-08T21:49:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/06/25/property-matters-invaders-bay-reboot/</loc><lastmod>2016-07-09T20:13:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/07/01/video-interview-on-good-morning-trinidad-and-tobago-15-june-2016/</loc><lastmod>2016-07-08T21:28:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/30/property-matters-housing-issues-part-5/</loc><lastmod>2016-07-08T20:52:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/10/property-matters-housing-issues-part-4/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/03/victoriakeys.png</image:loc><image:title>victoriakeys</image:title><image:caption>Victoria Keys</image:caption></image:image><lastmod>2016-06-25T14:01:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/05/24/privacy-pros-cons/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/05/farisalrawi.jpg</image:loc><image:title>farisalrawi</image:title><image:caption>Sen. Faris Al Rawi, Attorney General</image:caption></image:image><lastmod>2016-06-24T18:52:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/04/20/video-update-on-invaders-bay-the-las-alturas-enquiry-plus-more-on-107-7-fm/</loc><lastmod>2016-06-19T20:36:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/10/27/audio-the-power-breakfast-show-interview-on-102-1-fm/</loc><lastmod>2016-06-10T22:07:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/05/16/change-not-exchange-the-two-tendencies/</loc><lastmod>2016-05-04T19:24:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/26/audio-the-breakfast-roundtable-interview-on-sky-99-5fm-23march2016/</loc><lastmod>2016-04-08T19:19:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/26/call-for-open-data-for-parliamentary-expenses/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/03/opendata.jpg</image:loc><image:title>opendata</image:title></image:image><lastmod>2016-03-31T15:47:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/22/video-ttti-couch-session-with-reginald-armour-sc/</loc><lastmod>2016-03-23T02:51:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/01/21/property-matters-housing-issues-part-1/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/01/marlenemcdonald.jpg</image:loc><image:title>marlenemcdonald</image:title><image:caption>Marlene McDonald</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/01/fidelisheights.jpg</image:loc><image:title>fidelisheights</image:title></image:image><lastmod>2016-03-05T20:27:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/03/03/the-proposed-changes-to-the-new-public-procurement-act/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/03/procurement-bill.jpg</image:loc><image:title>procurement-bill</image:title></image:image><lastmod>2016-03-09T20:09:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/02/17/video-update-on-cl-financial-bailout-and-court-matter-on-107-7-fm/</loc><lastmod>2018-12-02T16:42:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/01/08/video-2015-year-in-review-on-107-7-fm/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/01/1077fm-logo.jpg</image:loc><image:title>1077fm-logo</image:title></image:image><lastmod>2016-02-17T20:33:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/02/13/formal-submission-to-joint-select-committee-the-whistleblower-protection-bill-2015/</loc><lastmod>2016-02-14T02:43:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/01/28/audio-the-breakfast-roundtable-interview-on-sky-99-5fm-28-january-2016/</loc><lastmod>2016-01-28T21:25:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/01/13/property-matters-state-offices-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2016/01/nib-headquarters.jpg</image:loc><image:title>NIB-headquarters</image:title></image:image><lastmod>2016-01-14T15:17:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2016/01/08/property-matters-state-offices/</loc><lastmod>2016-01-09T23:03:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/12/05/audio-the-showdown-show-interview-i95-5fm-7-june-2015/</loc><lastmod>2016-01-01T00:35:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/12/04/tedx-talks-is-it-only-white-people-who-can-be-racist/</loc><lastmod>2020-06-18T16:58:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/11/22/cl-financial-bailout-finding-the-facts/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/11/minfin-colm-imbert.jpg</image:loc><image:title>MinFin-Colm-Imbert</image:title><image:caption>Min of FInance, Colm Imbert, MP</image:caption></image:image><lastmod>2016-01-01T00:32:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/03/19/riding-the-dragon/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/03/las-alturas.png</image:loc><image:title>las alturas</image:title></image:image><lastmod>2015-12-24T01:46:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/property-matters/our-land/</loc><lastmod>2015-11-05T19:47:30+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2015/11/02/setting-the-table/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/11/tag.jpg</image:loc><image:title>TAG</image:title></image:image><lastmod>2015-11-04T01:49:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/10/22/2016-budget-review/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/10/tt-budgets05-16.jpg</image:loc><image:title>tt budgets05-16</image:title></image:image><lastmod>2015-10-24T17:17:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/10/11/video-sangre-grande-plenty-pepper-a-community-event/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/10/15-tti-051-plenty-pepper-sangre-grande-e-flyer-01.jpg</image:loc><image:title>15-TTI-051 Plenty Pepper Sangre Grande E-flyer-01</image:title></image:image><lastmod>2015-10-12T03:39:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/10/10/audio-the-breakfast-roundtable-interview-7-october-2015/</loc><lastmod>2015-10-10T18:42:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/09/29/dismantling-the-code-of-silence/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/09/lasalturas-sign.png</image:loc><image:title>lasalturas-sign</image:title></image:image><lastmod>2017-09-30T17:45:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/09/26/video-in-the-chair-on-synergy-tv/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/09/synergytv.jpg</image:loc><image:title>SynergyTV</image:title></image:image><lastmod>2015-09-26T16:20:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/09/17/our-land-the-review/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/09/caroni1975_logo_small.png</image:loc><image:title>caroni1975_logo_small</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/09/foodplan-2012-15.jpg</image:loc><image:title>foodplan-2012-15</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/09/embd-logo.jpg</image:loc><image:title>embd logo</image:title></image:image><lastmod>2015-09-20T14:21:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/06/25/our-land-land-for-everybody-part-2/</loc><lastmod>2015-09-17T04:57:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/05/01/our-land-the-caroni-case-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/chandreshsharma.jpg</image:loc><image:title>chandreshsharma</image:title><image:caption>Chandresh Sharma MP</image:caption></image:image><lastmod>2015-09-17T04:37:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/04/08/our-land-the-meaning-of-the-1992-land-policy/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/jairam.jpg</image:loc><image:title>jairam</image:title><image:caption>Hon. Jairam Seemungal, MP. Minister of Land and Marine Resources</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/jairamseemungal.jpg</image:loc><image:title>jairamseemungal</image:title><image:caption>Hon Jairam Seemungal, MP, Minister of Land &amp; Marine Resources</image:caption></image:image><lastmod>2015-09-17T04:26:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/04/02/our-land/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/popdensitymap-tt.jpg</image:loc><image:title>popdensitymap-tt</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/tt-land-map.jpg</image:loc><image:title>tt-land-map</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/min-lmr-logo.png</image:loc><image:title>min-lmr-logo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/lsa_logonew.png</image:loc><image:title>LSA_logonew</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/04/landpolicy.jpg</image:loc><image:title>landpolicy</image:title></image:image><lastmod>2016-09-28T14:17:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/09/05/too-big-to-hide/</loc><lastmod>2016-05-23T17:01:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/27/cl-financial-bailout-studied-disdain/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/08/howai-cartel.jpg</image:loc><image:title>howai-cartel</image:title><image:caption>Sen the Hon. Larry Howai, Minister of Finance and the Economy</image:caption></image:image><lastmod>2015-08-30T01:59:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/13/facing-the-facts/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/08/purelogo_final.gif</image:loc><image:title>purelogo_final</image:title></image:image><lastmod>2020-11-18T10:23:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/19/video-good-morning-tt-7-august-2015/</loc><lastmod>2015-08-19T13:06:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/12/facing-the-facts-on-invaders-bay-invaders-bay-corrective/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/08/guardian-story-invaders-bay.jpg</image:loc><image:title>guardian-story-invaders-bay</image:title></image:image><lastmod>2015-08-13T02:12:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/11/audio-the-breakfast-round-table-interview-on-sky-99-5fm-10aug2015/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/08/sky995fm.png</image:loc><image:title>sky995fm</image:title></image:image><lastmod>2015-08-11T07:52:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/11/audio-afra-raymond-on-cruise-control-on-isaac-98-1-fm-30-jul-2015/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/08/isaac981fm.png</image:loc><image:title>isaac981fm</image:title></image:image><lastmod>2015-08-11T11:13:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/08/05/cl-financial-bailout-the-hidden-truth/</loc><lastmod>2015-08-12T13:49:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/07/30/cl-financial-bailout-the-real-case/</loc><lastmod>2015-08-03T09:47:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/07/17/audio-election-hardtalk-interview-on-power-102fm-16-jul-2015/</loc><lastmod>2015-07-18T13:19:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/07/09/cl-financial-bailout-impunity-insanity/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/07/duprey-cartoon.jpg</image:loc><image:title>duprey cartoon</image:title><image:caption>© 2015 Dion Jennings</image:caption></image:image><lastmod>2021-05-08T14:23:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/07/02/cl-financial-bailout-false-firing/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/07/kamla_clico.png</image:loc><image:title>kamla_clico</image:title><image:caption>OK, Nigel, this is the version to publish now...please use this photo prominently...



Prime Minister Kamla Persad-Bissessar greets former Clico chairman Gerard Yetming, second left, and former Senate president Timothy Hamel-Smith, second right, after they showed up at a UNC “foot soldiers” mobilisation meeting in Debe on Tuesday. Also in photo are Oropouche East MP Dr Roodal Moonilal and UNC campaign manager Rodney Charles, left. PHOTO: RISHI RAGOONATH</image:caption></image:image><lastmod>2015-07-07T05:29:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/06/22/couch-discussion-making-legislation-work-ian-chinapoo-catherine-kumar-afra-raymond/</loc><lastmod>2015-06-25T11:41:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/06/10/our-land-land-for-everybody/</loc><lastmod>2015-06-25T11:38:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/06/10/integrity-inquiry/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/06/gordondeane-johnmartin1.jpg</image:loc><image:title>gordondeane-johnmartin</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/06/max-and-martin.jpg</image:loc><image:title>max-and-martin</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/06/3-wise-monkeys.jpg</image:loc><image:title>3-wise-monkeys</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/06/gordondeane-johnmartin.jpg</image:loc><image:title>gordondeane-johnmartin</image:title></image:image><lastmod>2015-06-25T11:32:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/06/03/land-for-everybody/</loc><lastmod>2015-06-05T14:03:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/03/04/integrity-reflections-the-background/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/03/pp-founders.jpg</image:loc><image:title>pp-founders</image:title><image:caption> David Abdullah of the Movement for Social Justice, Congress of the People (COP) political leader Winston Dookeran, Tobago Organisation of the People (TOP) leader Ashworth Jack, United National Congress (UNC) leader Kamla Persad-Bissessar, National Joint Action Committee (NJAC) leader Makandal Daaga, and chairman of the Movement for Social Justice Errol McLeod.</image:caption></image:image><lastmod>2015-05-05T00:15:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/02/26/integrity-reflections/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/02/deane-martin.jpg</image:loc><image:title>deane-martin</image:title></image:image><lastmod>2015-05-05T00:16:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/09/13/integrity-threat-part-2-3/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/integrity-equation1.jpg</image:loc><image:title>integrity-equation</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/integrity-equation.jpg</image:loc><image:title>integrity-equation</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/johnmartin.jpg</image:loc><image:title>johnmartin</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/ic-report.jpg</image:loc><image:title>ic-report</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/bridget.jpg</image:loc><image:title>bridget</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/09/gordondeane.jpg</image:loc><image:title>gordondeane</image:title></image:image><lastmod>2015-02-20T19:52:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/02/15/carlton-savannah-swirl/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/02/wademark-cartoon1.jpg</image:loc><image:title>wademark-cartoon</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/02/larryhowai.jpg</image:loc><image:title>larryhowai</image:title><image:caption>Sen. Larry Howai, Min of Finance</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2015/02/carlton-savannah.jpg</image:loc><image:title>carlton-savannah</image:title></image:image><lastmod>2015-05-05T00:17:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2015/01/21/balancing-the-scale/</loc><lastmod>2015-02-06T02:36:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/05/29/the-elephant-in-the-room-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/05/pos.jpg</image:loc><image:title>pos</image:title><image:caption>Port of Spain</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/05/alexandra-place.png</image:loc><image:title>Alexandra Place</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/05/costatt2-595x340.jpg</image:loc><image:title>COSTATT2-595x340</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/05/governmentcampus.jpg</image:loc><image:title>governmentcampus</image:title></image:image><lastmod>2014-12-28T21:59:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/07/09/money-is-the-problem/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/07/winstondookeran.jpg</image:loc><image:title>winstondookeran</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/07/marianobrowne2.jpg</image:loc><image:title>marianobrowne2</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/07/marianobrowne.jpg</image:loc><image:title>marianobrowne</image:title></image:image><lastmod>2014-12-23T02:57:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/12/11/integrity-strategy/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/12/lifesport-logo.jpg</image:loc><image:title>LifeSport-logo</image:title></image:image><lastmod>2014-12-12T16:28:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/12/03/cl-financial-bait-switch/</loc><lastmod>2015-02-01T14:28:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/11/26/invaders-bay-suspicious-motives/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/11/invadersbay-bw.jpg</image:loc><image:title>invadersbay-bw</image:title></image:image><lastmod>2014-11-27T03:34:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/10/29/re-route-reboot/</loc><lastmod>2014-12-03T17:31:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/09/24/re-route-truth/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/cover-tilt.jpg</image:loc><image:title>cover-tilt</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/hrm-proposed-reroute.jpg</image:loc><image:title>hrm-proposed-reroute</image:title></image:image><lastmod>2014-10-15T18:47:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/09/12/unconquered-discussion-series/</loc><lastmod>2014-09-12T16:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/09/10/a-fistful-of-dollars/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/ministry-finance-budget-statement.jpg</image:loc><image:title>Ministry-Finance-Budget-Statement</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/tt-budget-overview-2005-2015.jpg</image:loc><image:title>T&amp;T Budget overview 2005-2015</image:title></image:image><lastmod>2014-09-10T23:19:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/09/03/for-a-few-dollars-more/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/fistrful-of-dollars2.jpg</image:loc><image:title>fistrful of dollars</image:title></image:image><lastmod>2014-09-05T01:27:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/08/25/raymond%e2%80%88tt-in-danger-of-repeating-housing-mistakes/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/08/afra-raymond-guardian.jpg</image:loc><image:title>Afra Raymond-guardian</image:title><image:caption>© Guardian Media Ltd. Photo by Shirley Bahadur</image:caption></image:image><lastmod>2014-09-03T03:08:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/09/02/raymond-housing-strategy-requires-disciplined-effort/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/09/housing_0.jpg</image:loc><image:title>housing_0</image:title><image:caption>HDC housing in central Trinidad. Chaguanas is the fastest growing town in T&amp;T.</image:caption></image:image><lastmod>2014-09-03T13:51:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/08/13/people-say/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/08/pos-waterfront.jpg</image:loc><image:title>pos-waterfront</image:title><image:caption>The Port of Spain International Waterfront Centre</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/08/cover-tilt.jpg</image:loc><image:title>cover-tilt</image:title></image:image><lastmod>2014-08-15T14:12:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/07/30/reality-check/</loc><lastmod>2014-08-02T12:31:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/07/18/none-so-blind/</loc><lastmod>2014-07-24T01:19:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/property-matters/%e2%80%a2-the-efcl-query/</loc><lastmod>2014-07-09T17:43:37+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2014/06/25/paying-the-price/</loc><lastmod>2014-06-29T19:48:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/integrity-threat/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/12/ic-logo.jpg</image:loc><image:title>ic-logo</image:title></image:image><lastmod>2017-05-06T23:24:41+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2014/06/20/what-lies-beneath/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/06/ic-response2013-full.jpg</image:loc><image:title>IC-response2013-full</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/06/pointing-finger-md.jpg</image:loc><image:title>pointing-finger-md</image:title></image:image><lastmod>2014-06-25T22:25:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/05/28/judgment-time-moral-hazard-part-iii/</loc><lastmod>2014-06-25T02:42:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/05/29/compliance-of-cl-financial-directors-with-the-integrity-in-public-life-act-a-correspondence/</loc><lastmod>2014-06-20T19:37:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/06/12/everything-but-the-truth/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/06/jwala-howai.jpg</image:loc><image:title>jwala-howai</image:title></image:image><lastmod>2014-06-13T04:42:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/07/27/cl-financial-bailout-lessons-from-the-financial-crisis/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/not-wall-street.jpg</image:loc><image:title>not-wall-street</image:title></image:image><lastmod>2014-06-03T15:14:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/05/15/tstt-inquiry-2/</loc><lastmod>2014-05-24T12:33:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/05/05/submission-to-joint-select-committee-inquiry-into-the-administration-and-operations-of-tstt/</loc><lastmod>2014-05-06T20:03:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/04/20/audio-the-showdown-show-interview-i95-5fm-6-april-2014/</loc><lastmod>2014-04-22T04:16:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2012/07/08/audio-the-john-wayne-show-interview-30-june-2012/</loc><lastmod>2014-04-21T04:22:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/multimedia/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/01/radio-more-fm-104-7.png</image:loc><image:title>Radio 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25,000sf)</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/02/elephant-tablet.jpg</image:loc><image:title>elephant tablet</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/02/elephant-in-the-room.jpg</image:loc><image:title>elephant in the room</image:title></image:image><lastmod>2014-02-16T19:56:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/01/10/the-uff-bluff/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/01/procurement_notic.jpg</image:loc><image:title>Procurement_Notic</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/01/moore-volney.jpg</image:loc><image:title>moore-volney</image:title></image:image><lastmod>2014-02-15T13:57:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/01/27/public-procurement-pressure/</loc><lastmod>2014-03-01T19:52:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2014/01/29/cl-financial-bailout-paying-the-devil/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/01/paying-the-devil.jpg</image:loc><image:title>paying the devil</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2014/01/cl-bailout-timeline.jpg</image:loc><image:title>cl-bailout-timeline</image:title></image:image><lastmod>2014-02-15T13:37:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/12/23/letter-to-the-editor-udecotts-failure-to-consult-response/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/12/udecott-complaint.jpg</image:loc><image:title>udecott-complaint</image:title></image:image><lastmod>2013-12-27T19:24:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/12/11/audio-heritage-radio-interview-public-procurement-etc-04-december-2013/</loc><lastmod>2013-12-26T22:37:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/04/26/the-cl-financial-bailout-taking-in-front-the-ngc-element/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/04/franklookkin.jpg</image:loc><image:title>Frank 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Michael Annisette. Photo courtesy TTParliament.org</image:title><image:caption>Sen. Michael Annisette</image:caption></image:image><lastmod>2013-12-03T13:22:14+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2013/09/26/integrity-threat-part-4/</loc><lastmod>2013-12-03T11:54:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/11/15/the-integrity-account/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/ictt.gif</image:loc><image:title>ictt</image:title></image:image><lastmod>2013-12-03T11:47:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/11/21/cl-financial-bailout-really-learning-from-the-past/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/farisbhoe.jpg</image:loc><image:title>farisbhoe</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/cb-gov-ttcsi.jpg</image:loc><image:title>CB-gov - TTCSI</image:title></image:image><lastmod>2013-12-03T11:47:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/11/27/integrity-omission/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/anand.jpg</image:loc><image:title>anand</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/kengordon.jpg</image:loc><image:title>kengordon</image:title></image:image><lastmod>2013-12-03T11:46:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/11/02/pre-action-letter-to-the-minister-of-finance-and-the-economy/</loc><lastmod>2013-12-03T10:45:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/11/08/invaders-bay-part-3/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/11/invaders.jpg</image:loc><image:title>invaders</image:title><image:caption>Invaders' Bay</image:caption></image:image><lastmod>2013-11-13T03:45:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/10/24/audio-forward-thinkers-on-more-104-7fm-24-october-2013/</loc><lastmod>2013-10-30T23:15:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/10/18/cl-financial-bailout-lawsuit-against-minister-of-finance/</loc><lastmod>2013-10-30T23:13:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/10/09/invaders-bay-payday/</loc><lastmod>2013-10-18T18:43:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/10/05/property-tax-facts/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/10/category_expand.png</image:loc><image:title>category_expand</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/10/mc-funding-chart_20091.jpg</image:loc><image:title>mc-funding-chart_2009</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/10/mc-funding_2009.jpg</image:loc><image:title>mc-funding_2009</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/10/property-tax_93-09.jpg</image:loc><image:title>property-tax_93-09</image:title></image:image><lastmod>2013-10-07T14:31:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/09/01/audio-heritage-radio-interview-treasury-scandal-27-august-2013/</loc><lastmod>2013-10-05T17:36:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/08/23/the-treasury-scandal/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/newsday-clip.jpg</image:loc><image:title>newsday-clip</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/russell-martineau.jpg</image:loc><image:title>russell-martineau</image:title><image:caption>Russell Martineau, SC</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/devant-anand.jpg</image:loc><image:title>devant-anand</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/dookeran-portrait.jpg</image:loc><image:title>dookeran-portrait</image:title></image:image><lastmod>2013-10-05T17:32:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/07/06/property-matters-%e2%80%93-the-efcl-query/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-4.png</image:loc><image:title>efcl excerpt 4</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-3.png</image:loc><image:title>efcl excerpt 3</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-21.png</image:loc><image:title>efcl excerpt 2</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-2.png</image:loc><image:title>efcl excerpt 2</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-1.png</image:loc><image:title>efcl excerpt 1</image:title></image:image><lastmod>2013-09-13T05:46:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/08/16/audio-state-enterprises/</loc><lastmod>2013-08-23T19:08:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/08/07/ministry-of-finance-dance/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/08/minfaffidavit.jpg</image:loc><image:title>minFaffidavit</image:title></image:image><lastmod>2013-08-14T13:36:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/06/03/video-time-to-face-the-facts-26-may-2013-part2/</loc><lastmod>2013-06-10T14:24:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/05/25/time-to-face-the-facts/</loc><lastmod>2013-05-26T01:03:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/05/09/charting-our-losses-a-picture-is-worth-a-thousand-words/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/05/acquisition-options-hdc-chart-2-20130405.png</image:loc><image:title>Acquisition options HDC chart 2 20130405</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/05/stamp-duty-eden-gardens-chart-1-20130405-1.png</image:loc><image:title>stamp duty Eden gardens Chart 1 20130405-1</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/05/rental-increase-chart-with-table-tha-bolt.png</image:loc><image:title>Rental increase chart with table THA-BOLT</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/05/occupancy-excess-tha-bolt.png</image:loc><image:title>Occupancy Excess THA-BOLT</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/05/rental-rates-tha-bolt-chart.png</image:loc><image:title>Rental Rates THA- BOLT chart</image:title></image:image><lastmod>2013-06-10T23:30:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/cl-financial-bailout/colman-commission-of-enquiry-into-the-failure-of-cl-financial-et-al/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/03/colmanatcommission.jpg</image:loc><image:title>colmanatcommission</image:title><image:caption>Sir Anthony Colman, QC. Photo courtesy GML</image:caption></image:image><lastmod>2013-04-10T02:51:52+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://afraraymond.net/2013/03/31/order-granting-leave-to-file-judicial-review-in-afra-raymond-vs-ministry-of-finance-and-the-economy/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/03/order-tilt.jpg</image:loc><image:title>order-tilt</image:title></image:image><lastmod>2013-11-26T02:35:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/03/30/application-for-judicial-review-in-afra-raymond-vs-ministry-of-finance-and-the-economy/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/03/appl-tilt.jpg</image:loc><image:title>appl-tilt</image:title></image:image><lastmod>2013-04-01T14:50:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/03/14/calcutta-settlement-review/</loc><lastmod>2013-03-15T14:50:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/03/13/pre-action-protocol-letter-to-ministry-of-finance-pursuant-to-foi-application-of-11-may-2012/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/03/preaction.jpg</image:loc><image:title>preaction</image:title></image:image><lastmod>2013-03-15T14:48:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/02/20/calcutta-settlement-again/</loc><lastmod>2013-02-22T05:08:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/02/20/afra-joins-the-top-1tedxtalks-featured-on-the-ted-com-website/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/02/teddotcom-afra.png</image:loc><image:title>teddotcom-afra</image:title></image:image><lastmod>2013-04-12T14:36:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/02/01/from-thabolt-to-calcutta-tangled-webs-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/02/calcutta-timeline_v4.jpg</image:loc><image:title>calcutta-timeline_v4</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/02/163940.jpg</image:loc><image:title>163940</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/02/edengardensplan.jpg</image:loc><image:title>edengardensplan</image:title></image:image><lastmod>2013-02-21T18:17:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/01/31/ted-featured-afra-raymonds-tedxportofspain-talk-as-a-talk-of-the-week/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/ted-talk.jpg</image:loc><image:title>ted-talk</image:title></image:image><lastmod>2013-05-12T01:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/01/15/video-the-three-sides-of-corruption-afra-raymond-at-tedxportofspain-12-12-12/</loc><lastmod>2013-02-21T03:10:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/01/09/replying-to-the-ministry-of-finance-on-our-freedom-of-information-application-of-8th-may-2012/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/letter-tilt.jpg</image:loc><image:title>letter-tilt</image:title></image:image><lastmod>2013-01-09T17:47:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2013/01/09/the-plot-to-pervert-parliament/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/volneyarchie.jpg</image:loc><image:title>volneyarchie</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2013/01/kamla-firing-volney.jpg</image:loc><image:title>kamla-firing-volney</image:title><image:caption>The Prime Minister explains her decision to fire the Justice Minister</image:caption></image:image><lastmod>2013-01-09T16:28:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2012/12/18/video-morning-edition-10-december-2012/</loc><lastmod>2012-12-21T22:27:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2012/11/19/cl-financial-bailout-colmans-endgame/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/11/dpp.png</image:loc><image:title>dpp</image:title><image:caption>Roger Gaspard, SC, DPP</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2012/11/dziadyk.jpg</image:loc><image:title>dziadyk</image:title><image:caption>Gene 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Photo: Jennifer Watson. Courtesy Trinidad Guardian</image:title><image:caption>Legal Affairs Minister Prakash Ramadhar, left, Fazal Karim, Science, Technology and Tertiary Education Minister, right, listen attentively to the landlords during yesterday’s discussion. 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Illustration by NiCam 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MP</image:caption></image:image><lastmod>2011-07-26T22:55:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/07/13/property-matters-%e2%80%93-the-efcl-query-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/efcl-confidential2.png</image:loc><image:title>efcl-confidential</image:title></image:image><lastmod>2011-07-13T22:19:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/07/06/colman-commission-considerations/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/07/scoon.jpg</image:loc><image:title>farid scoon</image:title><image:caption>Farid 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king</image:title></image:image><lastmod>2011-07-01T22:48:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/04/28/retirement-planning/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/04/hear_no_evil_see_no_evil_speak_no_evil.jpg</image:loc><image:title>hear_no_evil_see_no_evil_speak_no_evil</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/04/clico-timeline.png</image:loc><image:title>clico-timeline</image:title></image:image><lastmod>2011-07-01T22:46:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/29/cl-financial-bailout-what-is-this-campaign/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/clicocrowd1.jpg</image:loc><image:title>CLICO Policyholders Group 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Photo © newsday.co.tt</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/03/magnifyheader.jpg</image:loc><image:title>magnifyheader</image:title></image:image><lastmod>2011-04-11T12:51:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/04/08/freedom-of-information-in-the-cl-financial-bailout/</loc><lastmod>2011-04-10T15:07:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/05/23/cl-financial-bailout-the-peoples%e2%80%99-partnership-position/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/05/the_outsiders.jpg</image:loc><image:title>The Outsiders</image:title><image:caption>The Outsiders: (l - r) former MPs Trevor Sudama and Ramesh Lawrence Maharaj</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/05/cl_players.jpg</image:loc><image:title>The Insiders</image:title><image:caption>The Insiders: (l - r) Robert Mayers, Mervyn Assam, Dr. Bhoendradatt Tewarie, Carlos John</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/05/robert_mayers.jpg</image:loc><image:title>Robert Mayers</image:title><image:caption>Robert Mayers</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/05/kamla_16.png</image:loc><image:title>Kamla Persad-Bissessar, M.P. Photo courtesy Guardian Media</image:title><image:caption>Kamla Persad-Bissessar, M.P., leader of the Peoples’ Partnership</image:caption></image:image><lastmod>2011-04-07T23:33:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/16/did-cmmb-collapse-or-not/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/cmmb_logo.gif</image:loc><image:title>cmmb_logo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/howai.jpg</image:loc><image:title>Larry Howai, First Citizens CEO</image:title><image:caption>Larry Howai, First Citizens CEO</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/ksbm.png</image:loc><image:title>KSBM</image:title><image:caption>KSBM directors, </image:caption></image:image><lastmod>2011-04-02T15:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/03/23/cl-financials-annual-return-as-at-17th-february-2009/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/03/clico-annual-returns.jpg</image:loc><image:title>CLICO ANNUAL RETURNS</image:title></image:image><lastmod>2011-03-24T23:19:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/02/24/property-matters-reforming-udecott/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/02/udecottboard.png</image:loc><image:title>UDeCOTT Board</image:title><image:caption>UDeCOTT Board with Planning Minister Sen. Mary King</image:caption></image:image><lastmod>2011-05-14T21:35:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/08/some-considerations-on-property-tax/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/propertytax1.jpg</image:loc><image:title>property tax</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/propertytax.jpg</image:loc><image:title>property tax</image:title></image:image><lastmod>2011-02-12T00:29:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/01/20/freedom-of-information-request-for-duprey-letter-of-13-january-2009/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/01/foi4.png</image:loc><image:title>foi4</image:title></image:image><lastmod>2011-01-25T19:27:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2011/01/20/property-matters-housing-policy-review-as-an-element-of-the-welfare-state/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2011/01/hdcboard.jpg</image:loc><image:title>hdc board</image:title><image:caption>HDC Board</image:caption></image:image><lastmod>2011-01-20T13:30:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/26/2010-review/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/white-collar-cartoon.jpg</image:loc><image:title>white-collar-cartoon</image:title></image:image><lastmod>2011-01-10T06:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/10/15/cl-financial-bailout-the-code-of-silence/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/article_oct17.jpg</image:loc><image:title>article_oct17</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/ratecompbarchart1.jpg</image:loc><image:title>ratecompbarchart</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/aiclogo.jpg</image:loc><image:title>aiclogo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/farisassam1.jpg</image:loc><image:title>Faris Al-Rawi and Mervyn Assam</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/robert-mayers_thumb1.jpg</image:loc><image:title>Robert Mayers</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/shhh.jpg</image:loc><image:title>shhh</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/ratecompbarchart.jpg</image:loc><image:title>rate comp bar chart</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/trasparency-logo.jpg</image:loc><image:title>transparency-logo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/owtu_logo.png</image:loc><image:title>OWTU_logo</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/patrickwatson.png</image:loc><image:title>Sen. Patrick Watson</image:title><image:caption>Sen. Patrick Watson</image:caption></image:image><lastmod>2011-01-08T18:39:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/11/18/the-state-of-the-media/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/kevinvshenry.png</image:loc><image:title>kevin vs henry</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/opm.jpg</image:loc><image:title>opm website</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/cnmg_logo_trinidad1.jpg</image:loc><image:title>CNMG_Logo_Trinidad</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/c_logo_color-fade-inside-out-converted.jpg</image:loc><image:title>C_Logo_color Fade inside out [Converted]</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/socialmedia.jpg</image:loc><image:title>social media</image:title></image:image><lastmod>2010-12-27T17:50:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/09/video-morning-edition-interview-%e2%80%93-7-dec-2010/</loc><lastmod>2010-12-12T19:48:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/05/cl-financial-bailout-testing-the-code-of-silence/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/patrickmanning.png</image:loc><image:title>Patrick Manning</image:title><image:caption>Patrick Manning</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/anthonycolman.jpg</image:loc><image:title>Sir Anthony Colman</image:title><image:caption>Sir Anthony Colman</image:caption></image:image><lastmod>2010-12-13T04:41:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/22/video-morning-edition-interview-21-sept-2010/</loc><lastmod>2010-12-09T18:02:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/12/08/creating-a-context-%e2%80%93-the-role-of-planning/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/investment-decision.jpg</image:loc><image:title>investment-decision</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/jackwarner2.jpg</image:loc><image:title>Austin 'Jack' Warner, MP, Minister of Works &amp; Transport</image:title><image:caption>Austin 'Jack' Warner, MP, Minister of Works &amp; Transport</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/12/emilydickforde.jpg</image:loc><image:title>Dr. Emily Gaynor Dick-Forde, former Minister of Planning</image:title><image:caption>Dr. Emily Gaynor Dick-Forde, former Minister of Planning, 2007-2010</image:caption></image:image><lastmod>2010-12-08T12:03:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/11/16/termination-of-services/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/kenali.png</image:loc><image:title>Ken Ali</image:title><image:caption>Ken Ali</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/terminationletter.png</image:loc><image:title>termination letter</image:title></image:image><lastmod>2012-06-23T10:07:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/11/30/cl-financial-bailout-amazing-scenes/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/11/dooksvspermell1.jpg</image:loc><image:title>Winston Dookeran vs Peter Permell. Original photo courtesy Trinidad Guardian. Illustration by NiCam Graphics</image:title></image:image><lastmod>2011-01-13T22:16:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/10/19/barbados-free-press-spreads-the-word-for-afraraymond-com/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/bfp.jpg</image:loc><image:title>bfp</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/external1.png</image:loc><image:title>external1</image:title></image:image><lastmod>2010-11-25T01:47:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/11/10/cl-financial-bailout-a-season-of-unreason/</loc><lastmod>2010-11-29T12:32:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/10/03/cl-financial-bailout-closing-the-circle/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/whatwentwrong2.png</image:loc><image:title>Inquiring What Went Wrong. Illustration by NiCam Graphics</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/aic.png</image:loc><image:title>AIC advert</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/carlewart.jpg</image:loc><image:title>The Regulators! Coulda, Woulda, Shoulda!</image:title></image:image><lastmod>2010-10-26T16:22:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/10/24/cl-financial-bailout-these-turbid-times/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/mottleyteam1.png</image:loc><image:title>Wendell Mottley, Colin Soo Ping Chow, Steve Bideshi</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/press1.jpg</image:loc><image:title>Competing agendas?</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/lawrence.jpg</image:loc><image:title>lawrence duprey</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/vasant.png</image:loc><image:title>Sen. Vasant Bharath </image:title><image:caption>Sen. Vasant Bharath</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/attic.gif</image:loc><image:title>attic</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/10/batt_logo.gif</image:loc><image:title>BATT_logo</image:title></image:image><lastmod>2010-11-01T14:39:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/07/07/second-foi-application-for-duprey-letter-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/07/foi3.png</image:loc><image:title>Application #2 for Duprey Letter</image:title></image:image><lastmod>2010-10-02T15:05:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/11/25/freedom-of-information/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2009/11/foi.png</image:loc><image:title>foi</image:title><image:caption>FOI Application</image:caption></image:image><lastmod>2010-10-02T14:16:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/06/11/do-what-is-right/</loc><lastmod>2010-10-01T21:18:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/29/video-first-up-interview-23-august-2010-2/</loc><lastmod>2010-10-01T13:18:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/27/video-sunday-morning-26-september-2010/</loc><lastmod>2010-10-01T13:12:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/19/property-matters-some-comments-on-the-property-and-construction-proposals-of-budget-2011/</loc><lastmod>2010-10-01T02:38:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/22/present-value-of-100000-under-clico-bailout-plan/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/presentvalue-chart1.jpg</image:loc><image:title>presentvalue chart</image:title></image:image><lastmod>2011-04-26T00:30:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/22/cl-financial-bailout-disturbing-arrangements-in-the-2011-budget/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/clicoefpagroup.png</image:loc><image:title>Some members of the  clico efpa group</image:title><image:caption>CLICO EFPA Policyholders group at press conference</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/bailoutcheque1.jpg</image:loc><image:title>A Bailout Cheque payed by taxpayers to CLICO was stopped</image:title></image:image><lastmod>2010-09-29T19:09:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/10/cl-financial-bailout-the-house-on-the-corner-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/luciesmith21.jpg</image:loc><image:title>Well, William?</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/mariadaniel.jpg</image:loc><image:title>Maria Daniel, Partner, Ernst &amp; Young</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/eyvspwc.png</image:loc><image:title>EYvsPwC</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/dookeran_warning1.jpg</image:loc><image:title>Winston Dookeran sounds off on CLICO</image:title></image:image><lastmod>2010-09-14T00:23:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/09/02/cl-financial-bailout-the-house-on-the-corner/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/carlhiralal.png</image:loc><image:title>Carl Hiralal</image:title><image:caption>Carl Hiralal, Inspector of Financial Institutions</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/09/circles.png</image:loc><image:title>Concentric circles</image:title></image:image><lastmod>2011-11-10T16:05:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/08/23/cl-financial-bailout-examining-the-horns/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/08/pwc.png</image:loc><image:title>pwc</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/08/pwc.jpg</image:loc><image:title>PriceWaterhouseCoopers</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/08/rum.jpg</image:loc><image:title>rum</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/08/luciesmith.jpg</image:loc><image:title>William Lucie-Smith</image:title><image:caption>William Lucie-Smith</image:caption></image:image><lastmod>2010-08-31T15:43:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/04/23/rapid-de-rail/</loc><lastmod>2010-08-31T01:33:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/08/27/video-first-up-interview-23-august-2010/</loc><lastmod>2010-09-26T23:54:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/07/19/video-morning-edition-interviews/</loc><lastmod>2010-08-02T20:19:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/07/10/video-first-up-interview-8-july-2010/</loc><lastmod>2010-07-12T13:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/07/03/change-not-exchange-%e2%80%93-part-3-jack-warner/</loc><lastmod>2013-07-27T12:17:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/06/22/video-first-up-interview-clico-%e2%80%93-18-may-2010/</loc><lastmod>2010-06-22T20:18:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/06/11/video-first-up-interview-18-may-2010/</loc><lastmod>2010-06-11T13:47:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/06/10/cl-financial-bailout-testing-the-terms/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/bhoetewarie.jpg</image:loc><image:title>bhoetewarie</image:title><image:caption>Dr. Bhoendradatt Tewarie</image:caption></image:image><lastmod>2010-09-11T03:43:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/06/06/change-not-exchange-%e2%80%93-part-2/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/cabinet.jpg</image:loc><image:title>Trinidad &amp; Tobago ministers after swearing in. Photo © Trinidad and Tobago News</image:title><image:caption>Newly sworn-in TT Cabinet and other high government officials.</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/jackwarner.png</image:loc><image:title>Jack Warner, MP. Photo courtesy Trinidad Guardian</image:title><image:caption>Austin "Jack" Warner, MP</image:caption></image:image><lastmod>2010-07-05T23:55:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/06/02/healing-our-capitals-heritage-buildings/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/publib.jpg</image:loc><image:title>publib</image:title><image:caption>Trinidad Public Library</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/preshouse.jpg</image:loc><image:title>preshouse</image:title><image:caption>President's House</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/06/redhouse.jpg</image:loc><image:title>redhouse</image:title><image:caption>The Red House</image:caption></image:image><lastmod>2024-09-28T09:47:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/04/29/learning-the-lessons-of-the-udecott-fiasco-part-3/</loc><lastmod>2010-05-30T18:47:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/04/15/ten-to-one-is-murder/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/04/carltonbest.png</image:loc><image:title>Justice Carlton Best. 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Michael Annisette, Mr. Anthony Cherrie, Mr. Wendell Dottin</image:caption></image:image><lastmod>2010-04-11T21:19:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/04/08/an-overview-of-the-uff-report/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/04/jearleanjohn.jpg</image:loc><image:title>Jearlean John. Photo courtesy Trinidad Guardian</image:title><image:caption>Jearlean John, Chairman UDeCOTT</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/04/juff.png</image:loc><image:title>Professor John Uff. Photo courtesy Trinidad Guardian</image:title><image:caption>Professor John Uff</image:caption></image:image><lastmod>2010-04-11T21:13:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2008/01/12/an-unhealthy-choice/</loc><lastmod>2010-03-30T03:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/23/video-first-up-interview-17-march-2010/</loc><lastmod>2010-03-28T21:40:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/23/video-early-morning-show-interview-05-march-2010/</loc><lastmod>2010-03-25T21:47:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/23/video-first-up-interview-09-march-2010/</loc><lastmod>2010-03-23T19:15:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/05/video-cock-a-doodle-doo-interview/</loc><lastmod>2010-03-23T07:56:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/18/cl-financial-bailout-timeline/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/03/timeline1.png</image:loc><image:title>CL Fianacial Bailout timeline</image:title></image:image><lastmod>2010-03-19T23:22:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/13/response-to-minister-after-receipt-of-cl-financial-shareholders-agreement/</loc><lastmod>2010-03-14T00:53:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/11/11/nothing-but-the-truth/</loc><lastmod>2010-03-10T13:29:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/04/the-cl-financial-bailout-%e2%80%93-a-matter-of-interest/</loc><lastmod>2010-03-07T05:29:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/03/06/audio-high-noon-interview-26-february-2010/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/03/speaker_icon.gif</image:loc><image:title>speaker_icon</image:title></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/03/power102fm2.jpg</image:loc><image:caption> </image:caption></image:image><lastmod>2010-03-07T02:40:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/02/13/video-up-next-interview-07-feb-2010/</loc><lastmod>2010-03-07T17:26:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/02/28/the-official-version-mystery-of-the-missing-money/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/02/karentesheira.png</image:loc><image:title>Karen Nunez- Tesheira</image:title><image:caption>Karen Nunez- Tesheira</image:caption></image:image><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/02/duprey.jpg</image:loc><image:title>Lawrence Duprey. Photo courtesy the T&amp;T Review</image:title><image:caption>Lawrence Duprey </image:caption></image:image><lastmod>2010-03-01T03:41:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/11/02/dupreys-fate/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2009/12/leechin.jpg</image:loc><image:title>Michael Lee Chin. Photo courtesy Trinidad Guardian</image:title><image:caption>Michael Lee Chin</image:caption></image:image><lastmod>2010-02-24T06:15:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/04/30/who-is-who-and-what-is-what/</loc><lastmod>2010-02-23T02:14:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/01/30/podcast-rics-interview-14-january-2010/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/01/rics.jpg</image:loc><image:title>rics</image:title></image:image><lastmod>2010-02-03T13:46:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/01/30/video-first-up-simulcast-interview-21-january-2010/</loc><lastmod>2010-02-03T13:45:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/08/23/finding-the-assets/</loc><lastmod>2010-02-03T13:44:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/09/03/the-uff-commission-%e2%80%93-the-final-chapter/</loc><lastmod>2010-02-03T13:43:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/09/10/the-uff-commission-%e2%80%93-foundation-failure/</loc><lastmod>2010-02-03T13:43:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/09/17/the-uff-commission-%e2%80%93-a-quality-finish/</loc><lastmod>2010-03-25T16:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/10/01/the-uff-commission-%e2%80%93-a-quality-finish-2/</loc><lastmod>2010-02-03T13:42:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/12/06/the-uff-commission-the-final-sitting/</loc><lastmod>2010-02-03T13:41:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2010/01/28/cl-financial-bailout-%e2%80%93-the-governor-speaks/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2010/01/ewart_williams.jpg</image:loc><image:title>Ewart Williams, Governor of the Central Bank TT. Photo courtesy Trinidad Guardian.</image:title><image:caption>Ewart Williams, Governor of the Central Bank TT</image:caption></image:image><lastmod>2010-01-26T14:04:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/12/31/cl-financial-%e2%80%93-the-bailout-timeline/</loc><image:image><image:loc>https://afraraymond.net/wp-content/uploads/2009/12/hmbreport.png</image:loc><image:title>hmbreport</image:title><image:caption>Home Mortgage Bank Annual Report 2007</image:caption></image:image><lastmod>2010-01-20T16:48:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/03/12/sagacity-and-veracity/</loc><lastmod>2009-12-27T01:06:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/05/07/moral-hazard-part-i/</loc><lastmod>2009-12-27T01:00:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/05/14/payback-time-moral-hazard-part-ii/</loc><lastmod>2009-12-27T00:59:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/07/09/party-of-parties/</loc><lastmod>2009-12-27T00:55:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/10/22/property-matters-property-taxes-2010/</loc><lastmod>2009-11-06T04:10:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/11/03/cl-financial-subsidary-british-american-insurance-company-has-gone-through/</loc><lastmod>2009-11-03T16:19:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/03/19/the-meaning-of-things/</loc><lastmod>2009-10-25T15:02:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/07/02/fit-and-proper/</loc><lastmod>2009-10-25T14:55:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/07/16/figuring-it-out/</loc><lastmod>2009-10-25T14:51:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/07/30/emacipation/</loc><lastmod>2014-08-03T21:15:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/08/13/condonation/</loc><lastmod>2009-10-25T14:50:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/09/19/open-letter-to-minister-of-finance/</loc><lastmod>2010-01-30T19:39:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net/2009/10/05/open-letter-to-the-minister-of-finance-on-the-cl-financial-bailout/</loc><lastmod>2009-10-23T14:05:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://afraraymond.net</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-02-24T08:11:39+00:00</lastmod></url></urlset>
