<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://barryzalma.substack.com/p/offer-made-and-accepted-creates-enforceable</loc><news:news><news:publication><news:name>Excellence in Claims Handling</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-26T13:08:19+00:00</news:publication_date><news:title>Offer Made and Accepted Creates Enforceable Contract</news:title></news:news></url><url><loc>https://barryzalma.substack.com/p/just-being-wrong-is-not-bad-faith</loc><news:news><news:publication><news:name>Excellence in Claims Handling</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-25T13:04:09+00:00</news:publication_date><news:title>Just Being Wrong is not Bad Faith</news:title></news:news></url></urlset>