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    <loc>https://www.m-institute.com.au/ready-to-discover-your-competitive-advantage</loc>
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    <lastmod>2017-08-21</lastmod>
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    <loc>https://www.m-institute.com.au/ready-to-take-your-next-move</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2017-08-21</lastmod>
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  <url>
    <loc>https://www.m-institute.com.au/home</loc>
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    <lastmod>2017-10-26</lastmod>
    <image:image>
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      <image:title>M-Institute (ANZ)</image:title>
    </image:image>
    <image:image>
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      <image:title>M-Institute (ANZ)</image:title>
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  <url>
    <loc>https://www.m-institute.com.au/cash-flow</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-11</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59082605414fb5db54115fdd/1507763578449/</image:loc>
      <image:title>Cash Flow - Cash Flow</image:title>
      <image:caption>One major impediment for Medium Sized Businesses (MSBs) is cash flow. Research by the M-Institute identified cash flow - or the lack of it - to be one of the most misunderstood areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5906c8cdd482e95dce76a5df/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Cash Flow</image:title>
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  <url>
    <loc>https://www.m-institute.com.au/digital-technology</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-11</lastmod>
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      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5906cd1be58c6203097d72ca/1507763621764/</image:loc>
      <image:title>Digital Technology - Digital Technology  </image:title>
      <image:caption>This is often referred to as digital disruption due to significant changes that have occurred in some traditional markets. A number of examples being Airbnb, UBER, Seek and RealEstate.com.au to name just a few.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5906c913a5790a97f0038c6a/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Digital Technology</image:title>
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    <loc>https://www.m-institute.com.au/contact-us</loc>
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    <priority>0.75</priority>
    <lastmod>2017-10-25</lastmod>
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      <image:title>Contact Us</image:title>
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  </url>
  <url>
    <loc>https://www.m-institute.com.au/sales-growth</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-11</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59082653f5e231058f185c3b/1518044214590/</image:loc>
      <image:title>Sales Growth - Sales Growth</image:title>
      <image:caption>Is the major focus of owners wanting to increase profitability. The vast majority of MSBs that wish to grow look for growth in sales to achieve this. Of these, the vast majority focus on winning new customers from their competitors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5908273da5790ae9a24d1cb5/1518044214592/Business+Formula.png</image:loc>
      <image:title>Sales Growth</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5906d275db29d650783762bb/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Sales Growth</image:title>
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  <url>
    <loc>https://www.m-institute.com.au/assistance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-11</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59dea716e9bfdf9612311bdd/1507764006370/shutterstock_398214109+copy.jpg</image:loc>
      <image:title>Assistance - Assistance</image:title>
      <image:caption>Research by the M-Institute, which is supported by wider anecdotal evidence, shows that over half of medium sized businesses do not know who they can turn to for objective, independent advice.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/590824b0b8a79be0571fe6a8/1507761361029/</image:loc>
      <image:title>Assistance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5906d61cb8a79b7addbaa7d9/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Assistance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/six-barriers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-01-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/597184ae893fc0e2229bad87/1500611767187/</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5971847bb8a79b30ee14c821/1500611715221/</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/597184d94c0dbf7175f3ad68/1500611814900/</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/597184966b8f5bd22f1304bb/1500611748644/</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/597184c2414fb5d02bd12b46/1500611790093/</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59718461ff7c503da0ac1e54/1500611693328/Six+Barriers+Icons+New-01.png</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5907e4c6579fb3276d64bdb3/1469729761345/hero_pattern.png</image:loc>
      <image:title>MSBs Six Barriers</image:title>
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  <url>
    <loc>https://www.m-institute.com.au/selling-your-business</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-01-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5907f363d2b8574b000db150/1507763733605/</image:loc>
      <image:title>Selling Your Business - Selling Your Business</image:title>
      <image:caption>Most business owners are relying on selling their business to retire, whether this is through an IPO, trade sale or the transition of ownership to family members and management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5907f77e59cc68a9a76bd30f/1493694371404/DIA+-+Value+Drivers.png</image:loc>
      <image:title>Selling Your Business</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5907f0e7e6f2e1e21c765a5f/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Selling Your Business</image:title>
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  </url>
  <url>
    <loc>https://www.m-institute.com.au/time-to-think</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-23</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/590819319f7456d3d9c07735/1518043486710/</image:loc>
      <image:title>Time to Think - Time to Think</image:title>
      <image:caption>Business owners find time to be their most precious resource and nothing can give a business owner more than 24 hours in a day! How time is utilised, how business owners organise their affairs and interact with others have an enormous impact.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/590814902e69cf0188d20797/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Time to Think</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-sales-growth-v2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-04</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59aceb17cd0f687db8f07afe/1504504607150/Sales+growth+landing+image+%28vertical%29.jpg</image:loc>
      <image:title>Sales Growth V2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-time-to-think-v2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-04</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ace79d9f7456bae975e541/1504504885249/Time+to+Think+landing+image+%28vertical%29.jpg</image:loc>
      <image:title>Time to Think V2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-time-to-think</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59acf5b949fc2b19c932b622/1504507328543/Time+to+Think+landing+image.jpg</image:loc>
      <image:title>Time to Think</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-cash-flow</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59acf4178fd4d2d716cf79ba/1504507146222/Cash+flow+landing+image.jpg</image:loc>
      <image:title>Cash Flow</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-sales-growth</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59acf637893fc0f529d63338/1504566795058/Sales+growth+landing+image.jpg</image:loc>
      <image:title>Sales Growth</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-digital-technology</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ade4bae4fcb54ed5cb2e4a/1504569064393/Marketing+%26+Marketing+Technology+landing+image.jpg</image:loc>
      <image:title>Digital Technology</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-selling-your-business</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-02-06</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ade894197aeadddee6e0a3/1504571960432/Succession+Issues+-+landing+image.jpg</image:loc>
      <image:title>Selling Your Business</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/edm-assistance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59adf213e9bfdff520615d3a/1519168014163/Assistance+landing+image.jpg</image:loc>
      <image:title>Assistance</image:title>
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  <url>
    <loc>https://www.m-institute.com.au/sponsors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-26</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ded19532601ead7f55fb48/1507774961721/Directors+2.jpg</image:loc>
      <image:title>Sponsors - nem Australasia</image:title>
      <image:caption>nem is Australasia’s leading mid-market consultancy firm, specialising in assisting businesses to achieve their objectives far quicker than they can using their own resources. The firm was founded in 2001 by three former senior corporate executives and has grown to over 45 Partners with offices across Australia, New Zealand and Singapore. Partners come from a diverse range of industries and disciplines, with the majority having run or owned substantial businesses.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ded4fb017db2023d6c203d/1507775746350/Screen-Shot-2017-08-31-at-9.23.41-am-610x396.png</image:loc>
      <image:title>Sponsors - Attaché</image:title>
      <image:caption>Attaché provides an all-in-one solution for medium businesses with annual turnover typically between $2 million and $100 million. Combining mid-sized accounting software with fully integrated payroll and real-time business intelligence, Attaché has the performance and capability to fill reporting gaps, integrate specialist systems and connect the entire business. →  SMES Label Thats Killing Growth</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ded03a4c326db04deb2b37/1507774528769/Attache+%26+nem-02.png</image:loc>
      <image:title>Sponsors</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59ded02790badef914bb0988/1507774510783/Attache+%26+nem-01.png</image:loc>
      <image:title>Sponsors</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/59de9cd132601ead7f537d66/1493616886440/Screen+Shot+2017-05-01+at+3.33.43+PM.png</image:loc>
      <image:title>Sponsors</image:title>
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  </url>
  <url>
    <loc>https://www.m-institute.com.au/privacy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-23</lastmod>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/disclaimer</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-10-23</lastmod>
  </url>
  <url>
    <loc>https://www.m-institute.com.au/resource-library</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-02-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a7b9a1c0d9297c2352773b1/1519165538311/Digital+Technology</image:loc>
      <image:title>Resources - Digital Technology</image:title>
      <image:caption>This is often referred to as digital disruption due to significant changes that have occurred in some traditional markets. A number of examples being Airbnb, UBER, Seek and RealEstate.com.au to name just a few.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a84c4808165f5ac7e958f07/1519165538348/Selling+Your+Business</image:loc>
      <image:title>Resources - Selling Your Business</image:title>
      <image:caption>Most business owners are relying on selling their business to retire, whether this is through an IPO, trade sale or the transition of ownership to family members and management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a7b989924a694140633f535/1519165538309/Basics+of+delegation+-+image.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a84c4e5652deaeccfe51246/1519165538357/Sell+your+Business+ebook+7-9.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a812a4571c10b61a504feb9/1519165538282/Referral+Marketing+-+image.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a8126b3c830253b86533def/1519165538288/Email+%232+VE+-+Why+it+Works.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a7b8e0a9140b786249ca7cf/1519165538276/How+to+Grow+Sales+-+ebook.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a83b57d0852297178456256/1519165538340/Cash+Flow+-+Debtors+Reduction+-+image.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a84c4c271c10b7697dbddfe/1519165538352/Sell+your+Business+ebook+3-4.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a83b5c753450a84f622eb15/1519165538345/Cash+Flow+-+Expense+Reduction+-+image.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a84df6624a69403d71b6a32/1519165538278/Sales+%26+Marketing</image:loc>
      <image:title>Resources - Sales &amp; Marketing</image:title>
      <image:caption>The most efficient, cost effective and most rapid way of achieving sales growth is to focus on the existing products and services that are sold to existing customers in existing markets. The key is to know what product are more competitive and within which markets should growth be pursued!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a81269df9619ab1a98b8914/1519165538285/Email+%231+VE+-+How+it+Works.jpg</image:loc>
      <image:title>Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a7b8bade2c4839694f57e95/1519165538264/Developing+Your+USP+-+image.jpg</image:loc>
      <image:title>Resources</image:title>
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    <image:image>
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      <image:caption>One major impediment for Medium Sized Businesses (MSBs) is cash flow. Research by the M-Institute identified cash flow - or the lack of it - to be one of the most misunderstood areas.</image:caption>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a811f7424a694ef196adcc2/1519165538321/Email+%236+The+High+Performance+Marketing+Plan.jpg</image:loc>
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      <image:caption>Is the major focus of owners wanting to increase profitability. The vast majority of MSBs that wish to grow look for growth in sales to achieve this. Of these, the vast majority focus on winning new customers from their competitors.</image:caption>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a8ca06253450a95a9a8bef1/1518481219466/Increasing+your+average+-+image.jpg</image:loc>
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      <image:caption>The most efficient, cost effective and most rapid way of achieving sales growth is to focus on the existing products and services that are sold to existing customers in existing markets. The key is to know what product are more competitive and within which markets should growth be pursued!</image:caption>
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      <image:caption>Business owners find time to be their most precious resource and nothing can give a business owner more than 24 hours in a day! How time is utilised, how business owners organise their affairs and interact with others have an enormous impact.</image:caption>
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    <image:image>
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      <image:caption>This is often referred to as digital disruption due to significant changes that have occurred in some traditional markets. A number of examples being Airbnb, UBER, Seek and RealEstate.com.au to name just a few.</image:caption>
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    <image:image>
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      <image:title>Selling Your Business Resources - Selling Your Business</image:title>
      <image:caption>Most business owners are relying on selling their business to retire, whether this is through an IPO, trade sale or the transition of ownership to family members and management.</image:caption>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/5906b6b1197aeab0a1fa85aa/t/5a8ca341085229671a497d37/1519165538357/Sell+your+Business+ebook+7-9.jpg</image:loc>
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    <lastmod>2018-02-20</lastmod>
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      <image:caption>One major impediment for Medium Sized Businesses (MSBs) is cash flow. Research by the M-Institute identified cash flow - or the lack of it - to be one of the most misunderstood areas.</image:caption>
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    <image:image>
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