<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://josephphall.com/research/</loc><lastmod>2025-11-21T01:54:16+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://josephphall.com/original-teaching-materials/</loc><lastmod>2025-11-06T17:12:39+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://josephphall.com/2023/11/09/curriculum-vitae/</loc><lastmod>2023-11-09T21:33:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://josephphall.com/scoop/</loc><lastmod>2023-11-09T20:50:11+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://josephphall.com/2023/11/09/how-do-borrowers-respond-to-a-debt-moratorium/</loc><lastmod>2023-11-09T20:09:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://josephphall.com/2023/11/08/job-market-paper/</loc><lastmod>2023-11-08T21:21:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://josephphall.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2025-11-21T01:54:16+00:00</lastmod></url></urlset>
