<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[Financial Cornerstones]]></title><description><![CDATA[Investments | Financial Advisor | Faith Driven Investing | Biblically Responsible Investing |Christian Financial Advisor.   Market Commentary with Mark on the Markets.  Mark on the Charts. Financial Cornerstones.  Aligning Your Investments with the Cornerstones of your Faith.]]></description><link>https://financialcornerstones.com</link><generator>RSS for Node</generator><lastBuildDate>Wed, 11 Nov 2026 21:08:34 GMT</lastBuildDate><atom:link href="https://financialcornerstones.com/market-commentary/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Mark on the Markets September 2026]]></title><description><![CDATA[n July the market broadened out, and the big technology names rested. In August the script flipped. The giants led again, the average stock quietly slipped, and the indexes still finished higher.]]></description><link>/mark-on-the-markets-september-2026</link><guid isPermaLink="false">6aa2fd9674efbb6f87483d5c</guid><pubDate>Tue, 01 Sep 2026 06:58:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/b8nPWZ8UqcpJ/cropped/mark-on-the-markets-september-2026-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets August 2026]]></title><description><![CDATA[For almost two years, a small group of giant technology companies drove nearly all of the market’s gains. In July that changed. The familiar leaders cooled off, and the rest of the market stepped forward to carry the load. ]]></description><link>/mark-on-the-markets-august-2026</link><guid isPermaLink="false">6aa2f8a370b9ed1153f9572c</guid><pubDate>Sat, 01 Aug 2026 06:37:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/QXd9mxPqwDAY/cropped/mark-on-the-markets-august-2026-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets June 2026]]></title><description><![CDATA[Tariffs. Rising yields. A war in the Middle East. And yet the market just posted one of its strongest months in years. Here’s the full story and why what happened in small-cap America may be the most telling signal of all.]]></description><link>/mark-on-the-markets-june-2026</link><guid isPermaLink="false">6a42c62f67fb5226238dcb68</guid><pubDate>Mon, 01 Jun 2026 07:45:34 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/_8n3OAE5KWLl/cropped/mark-on-the-markets-june-2026-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets May 2026]]></title><description><![CDATA[When I last penned our monthly newsletter, markets were contending with elevated oil prices and uncertainty stemming from the conflict with Iran. ]]></description><link>/mark-on-the-markets-may-2026</link><guid isPermaLink="false">6a42c1d0cd4395d090923dc1</guid><pubDate>Fri, 01 May 2026 07:45:22 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/7W4r9dXlgBCv/cropped/mark-on-the-markets-may-2026-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets April 2026]]></title><description><![CDATA[At Financial Cornerstones, we view markets through the lens of stewardship, not speculation. While headlines can stir anxiety, our role is to help you interpret events with clarity, discipline, and a long-term perspective grounded in wise decision-making.]]></description><link>/mark-on-the-markets-april-2026</link><guid isPermaLink="false">6a42baafcd4395d090923699</guid><pubDate>Wed, 01 Apr 2026 07:45:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/o-8d-mhAV5V4/cropped/mark-on-the-markets-april-2026-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets March 2026]]></title><description><![CDATA[In the early hours of February 28, global markets were shaken by significant geopolitical developments as the U.S. and Israel carried out coordinated strikes on Iran that resulted in the death of Iran’s Supreme Leader.]]></description><link>/mark-on-the-markets-march-2026</link><guid isPermaLink="false">69b1a9edea78bb5c303a07ee</guid><pubDate>Wed, 11 Mar 2026 05:45:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/Z1NvH1G4iAGg/cropped/usa-israel-iran-flags-geopolitics-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets February 2026]]></title><description><![CDATA[As we saw building in the back half of last year, global markets continue to deliver strong performance, but there's been a clear shift in leadership among U.S. stocks.]]></description><link>/mark-on-the-markets-february-2026</link><guid isPermaLink="false">698b3e148b394849680c38a1</guid><pubDate>Tue, 10 Feb 2026 02:18:26 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/HP3rwj2Ypr_0/cropped/barometer-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets January 2026]]></title><description><![CDATA[The bull market that kicked off in late 2022 kept rolling through 2025, with the S&P 500 recording another impressive year, climbing 16.4% following back-to-back gains that exceeded 20% in 2023 and 2024. That’s three years of gains.]]></description><link>/mark-on-the-markets-january-2026</link><guid isPermaLink="false">69813d87d73620a3918a9a3f</guid><pubDate>Mon, 02 Feb 2026 12:14:20 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/1v3ZuGJpLGn5/cropped/2026-Trends-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets December 2025]]></title><description><![CDATA[As the holiday season unfolds and a new year draws near, we pause to cherish the beautiful moments we’ve shared. Christmas is a sacred time of love, generosity, and faith, and we joyfully seize this moment to send our warmest wishes to you and your loved ones.]]></description><link>/mark-on-the-markets-december-2025</link><guid isPermaLink="false">6936fea20d543287585ca308</guid><pubDate>Sun, 07 Dec 2025 04:42:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/-jD1tGkJgD4/cropped/Christmas-Tree-lit-up-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets November 2025]]></title><description><![CDATA[The timeless Wall Street saying, "Every bull market climbs its own wall of worries," seems to capture the essence of today's market landscape perfectly. With the fourth quarter underway, we urge investors to stay vigilant and avoid assuming the recent gains will persist without turbulence.]]></description><link>/mark-on-the-markets-november-2025</link><guid isPermaLink="false">691b82a6be8a683aaea787b9</guid><pubDate>Mon, 17 Nov 2025 08:17:33 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/rMhPRua0oKn/cropped/Wall-Street-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets October 2025]]></title><description><![CDATA[Last month, the Federal Reserve cut its benchmark rate—the fed funds rate—by a quarter-percentage point to 4.00–4.25%. It is the first rate cut since last December. Fed officials left the door open to one or two more rate cuts before the year is over. The reduction in the fed funds rates surprised no one...]]></description><link>/mark-on-the-markets-october-2025</link><guid isPermaLink="false">68ffaa1a51614573d6dd9fb5</guid><pubDate>Mon, 27 Oct 2025 05:23:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/F36YB0lQEls/cropped/Ben-Franklin-Scissors-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets September 2025]]></title><description><![CDATA[August and September have historically been the worst months for investors, specifically as measured by S&P 500 data compiled by the St. Louis Federal Reserve. Since 1970, August has averaged an advance of just 0.13% (through 2024), the second-worst month, while September has...]]></description><link>/mark-on-the-markets-september-2025</link><guid isPermaLink="false">68bf02bd333ed120ccea15b6</guid><pubDate>Mon, 08 Sep 2025 04:23:33 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/2uGl2OBmb2U/cropped/Franklin-on-Dollar-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets August 2025]]></title><description><![CDATA[Amid an onslaught of anxieties over tariffs, the economy, and geopolitical challenges in the Middle East, investors brushed aside worries and drove the S&P 500 Index and the Nasdaq Composite to record closing highs on the final two trading days of June, according to data provided by MarketWatch.]]></description><link>/mark-on-the-markets-august-2025</link><guid isPermaLink="false">6894d3070a5e56fc3b084146</guid><pubDate>Thu, 07 Aug 2025 04:24:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/ZnPKRcnozqZ/cropped/mark-on-the-markets-august-2025-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets June 2025]]></title><description><![CDATA[Aggressive tariff policies triggered significant market volatility amid a sharp early April selloff, which was followed by a sharp rebound when the most severe tariffs were delayed.]]></description><link>/mark-on-the-markets-june-2025</link><guid isPermaLink="false">6849e657e8f3a4c580e0574c</guid><pubDate>Wed, 11 Jun 2025 04:23:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/1ILKg31-IB7/cropped/mark-on-the-markets-june-2025.jpg"/></item><item><title><![CDATA[Mark on the Markets May 2025]]></title><description><![CDATA[Stocks began the month on a steep downward trajectory, experiencing losses reminiscent of the early pandemic lockdowns. However, by the end of the month, shares had managed to erase most of the early losses.]]></description><link>/mark-on-the-markets-may-2025</link><guid isPermaLink="false">6841e62078bc7b3d18b76ac4</guid><pubDate>Mon, 05 May 2025 06:48:02 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/jbUtz0OOPgY/cropped/Flag-Capital-christian-financial-advisors-the-woodlands-tx-houston-tx-spring-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets April 2025]]></title><description><![CDATA[Last week was one of the most volatile I’ve seen in 18 years as a professional investment manager.  As of today, major indices have experienced significant declines: the S&P 500 is down 13.9% year-to-date, the Nasdaq has fallen 19.2%, the Russell 2000 is off 18.8%.]]></description><link>/mark-on-the-markets-april-2025</link><guid isPermaLink="false">6841e2bc87703916cc30a196</guid><pubDate>Fri, 04 Apr 2025 06:47:34 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/E6UXTL8k62z/cropped/Flag-Tariffs-christian-financial-advisors-the-woodlands-tx-houston-tx-spring-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets March 2025]]></title><description><![CDATA[Following the election, optimism surged amid the belief that the new president would follow through with plans to pare back regulations that stifle businesses and extend the tax cuts passed in 2017.]]></description><link>/mark-on-the-markets-march-2025</link><guid isPermaLink="false">67d07ae5b8304728f4c86d8f</guid><pubDate>Tue, 11 Mar 2025 06:04:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/95Mc9KJdzTh/cropped/Flag-Constructions-financial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets February 2025]]></title><description><![CDATA[One year ago, we commented, “Rate cuts that occur because the Fed ‘can,’ not because they ‘must,’ is the preferred path” for investors. It’s not that we have special insights when peering into the future. We have yet to find anyone who can consistently and accurately forecast peaks and valleys in the stock market.]]></description><link>/mark-on-the-markets-february-2025</link><guid isPermaLink="false">67abca243ca4a3ace0c03500</guid><pubDate>Tue, 11 Feb 2025 06:04:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/mom1nOBHAMJ/cropped/2025-Start-to-Finish-christian-financial-advisors-the-woodlands-tx-houston-tx-spring-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets January 2025]]></title><description><![CDATA[2024 was a year of unexpectedly strong market performance. Major stock market indices generated historic gains with the S&P 500 returning 25.0% with dividends, the Nasdaq 29.6%, and the Dow Jones Industrial Average 15.0%.]]></description><link>/mark-on-the-markets-january-2025</link><guid isPermaLink="false">6787ff6e89044f5030374b6c</guid><pubDate>Wed, 15 Jan 2025 06:34:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/6eJcm2eiM4Y/cropped/2025-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets December 2024]]></title><description><![CDATA[Elections and politics are difficult topics. Give 10 people one political topic, and you will likely get at least 15 opinions…or more.]]></description><link>/mark-on-the-markets-december-2024</link><guid isPermaLink="false">675348c093d512703deb42e4</guid><pubDate>Fri, 06 Dec 2024 06:56:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/mG7G0ber2T_/Flags-on-Buildingfinancial-advisors-near-me-the-woodlands-tx-houston-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-lapng.jpg"/></item><item><title><![CDATA[Mark on the Markets November 2024]]></title><description><![CDATA[Last month, the bull market turned two years old. Since bottoming on October 12, 2022, the S&P 500 Index has advanced 60% through the last day of October, according to S&P 500 data from the St. Louis Federal Reserve.]]></description><link>/mark-on-the-markets-november-2024</link><guid isPermaLink="false">675359ce93d512703deb6075</guid><pubDate>Wed, 06 Nov 2024 08:10:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/65vHJnvALnN/Boys-shopping-cart-christian-financial-advisors-the-woodlands-tx-houston-tx-spring-tx-lafayette-la-new-orleans-la-morgan-city-la.jpg"/></item><item><title><![CDATA[Mark on the Markets October 2024]]></title><description><![CDATA[Last month, the Federal Reserve announced its first rate cut since early 2020, lopping one half of one percent (0.50%) off the fed funds rate, bringing the key rate down to 4.75 – 5.00%.]]></description><link>/mark-on-the-markets-october-2024</link><guid isPermaLink="false">6707fb8849e7b92f29a8a07b</guid><pubDate>Thu, 10 Oct 2024 04:07:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/G8IAcrB4t9I/Ben-Franklin-Cut-retirement-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets September 2024]]></title><description><![CDATA[Last month, we cautioned you about a calendar quirk that sometimes surfaces in August and September.  Briefly, “Since 1970, the average monthly return for the S&P 500 Index (excluding dividends) has been +0.09% during August and -0.96% in September, according to S&P 500 data provided by the St. Louis Federal Reserve.”]]></description><link>/mark-on-the-markets-september-2024</link><guid isPermaLink="false">66df5e1bedd3152a9c7f4d66</guid><pubDate>Fri, 06 Sep 2024 03:19:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/GaTyqAfWH_X/Chart-lines-retirement-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets August 2024]]></title><description><![CDATA[On July 10, the Nasdaq Composite hit a fresh, all-time high—one of many highs recorded this year.]]></description><link>/mark-on-the-markets-august-2024</link><guid isPermaLink="false">66b2552c018d3ef81ab96a12</guid><pubDate>Tue, 06 Aug 2024 04:54:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/w8oiiqXZyyJ/Balance-Money-Bag-Retirement_Financial-Planner-The-Woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets July 2024]]></title><description><![CDATA[The Artificial Intelligence revolution is powering significant gains in technology shares and the S&P 500 and is driving headlines. ]]></description><link>/mark-on-the-markets-july-2024</link><guid isPermaLink="false">669033f01371a0b314ec4d4e</guid><pubDate>Thu, 11 Jul 2024 07:35:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/ntwnVWK-vzO/AI-Pic-retirement-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets June 2024]]></title><description><![CDATA[The stock market is a classroom. And it’s important to find good teachers, study their method, and implement what they teach. Finding successful investors is something that I’m always on the lookout for.]]></description><link>/mark-on-the-markets-june-2024</link><guid isPermaLink="false">667073a3be4cb2a8254a2069</guid><pubDate>Mon, 17 Jun 2024 05:34:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/dNIa1GOCvYr/Classroom-retirement-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets May 2024]]></title><description><![CDATA[Have you ever made fudge? Nothing fancy, nothing complicated. You obtain a recipe, follow the instructions, bake, let it cool, and done. Fudge ready to enjoy. Smooth and delicious! Simple, right?]]></description><link>/mark-on-the-markets-may-2024</link><guid isPermaLink="false">663a89b8b4c11bcd2b3fcead</guid><pubDate>Tue, 07 May 2024 08:07:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/2AXj5kbpZUO/Fed-and-money-retirement-financial-planner-the-woodlands-tx-spring-tx-conroe-tx-lafayette-la-new-orleans-la.jpg"/></item><item><title><![CDATA[Mark on the Markets April 2024]]></title><description><![CDATA[The broader stock market logged solid gains in the first quarter of this year as enthusiasm about artificial intelligence, signs of a soft landing, and dovish talk from the Fed gave investors reason to be more optimistic.]]></description><link>/mark-on-the-markets-april-2024</link><guid isPermaLink="false">6615675cfa7182bb76a0c92d</guid><pubDate>Mon, 08 Apr 2024 03:42:55 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/3jLPjliLxTV/Mark-on-the-Markets-April-2024.jpg"/></item><item><title><![CDATA[Mark on the Markets March 2024]]></title><description><![CDATA[The S&P 500 Index crossed and finished above a milestone, ending February at 5,096.  Above 5,000! YTD, the S&P 500 is up 6.8%. That’s an impressive start!]]></description><link>/mark-on-the-markets-march-2024</link><guid isPermaLink="false">65fdf21a2a5527ad3cc09146</guid><pubDate>Fri, 22 Mar 2024 09:03:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/ll372soOnXW/Mark-on-the-Markets-March-2024-SandP-5000.jpg"/></item><item><title><![CDATA[Mark on the Markets February 2024]]></title><description><![CDATA[The economy seems fine. The job market seems fine. So far, there are few signs the economy is about to slip into a recession.]]></description><link>/mark-on-the-markets-february-2024</link><guid isPermaLink="false">65c3f55f47819be3b0bb9247</guid><pubDate>Wed, 07 Feb 2024 09:26:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/ZKIZM5nvXdn/positive-start-to-a-new-year.jpg"/></item><item><title><![CDATA[Mark on the Markets January 2024]]></title><description><![CDATA[Stocks moved higher in the final three months of the year as bond yields trended lower in growing anticipation of a potential Fed easing.]]></description><link>/mark-on-the-markets-january-2024</link><guid isPermaLink="false">659c0dabe4a6319559aa6214</guid><pubDate>Sun, 07 Jan 2024 02:59:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/i81HU7llyZy/Mark-on-the-Markets-January-2024.jpg"/></item><item><title><![CDATA[Mark on the Markets December 2023]]></title><description><![CDATA[There’s a secret! It’s where Santa gets money from to buy gifts every Christmas. This is not a joke (well, sort of…). The cash is out there. Where? It’s in the stock market.]]></description><link>/mark-on-the-markets-december-2023</link><guid isPermaLink="false">65771663283ab2f475f08759</guid><pubDate>Sat, 09 Dec 2023 03:28:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d88d74a6e474113371dc5e2/OSPY7E0IsT/santa.jpg"/></item></channel></rss>