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<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://theruoffgroup.com/about/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2011/12/john-january-2008.jpg</image:loc><image:title>john-january-2008.jpg</image:title></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2011/05/80654485-0f1d-43e7-97f6-4ca33058ac203.png</image:loc><image:title>80654485-0f1d-43e7-97f6-4ca33058ac20</image:title></image:image><lastmod>2019-06-16T15:01:59+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://theruoffgroup.com/2019/01/07/dukes-proposed-mandatory-fee-unjust-and-bad-energy-policy/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2019/01/distribution-kwh-by-income-group.png</image:loc><image:title>distribution kwh by income group</image:title></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2019/01/dec-per-kwh-comparison.png</image:loc><image:title>dec per kwh comparison</image:title></image:image><lastmod>2019-01-10T18:18:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2018/10/19/every-family-in-sc-pays-taxes-the-poorest-pay-a-larger-share-of-their-income-than-wealthiest/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2018/10/south-carolina-table.jpg</image:loc><image:title>South Carolina-table</image:title></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2018/10/south-carolina-total-graph.jpg</image:loc><image:title>south-carolina-total-graph</image:title></image:image><lastmod>2018-10-19T14:02:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2014/01/19/columbias-ballpark-study-ask-the-wrong-questions-and-youll-get-the-wrong-answers/</loc><lastmod>2014-01-20T00:02:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/06/30/does-building-a-public-ballpark-make-sense-for-columbia/</loc><lastmod>2014-01-15T01:55:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/07/02/look-at-the-net-effect-of-economic-development-investments/</loc><lastmod>2013-07-02T20:13:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/04/03/non-tax-revenues-its-really-about-making-higher-education-unaffordable/</loc><lastmod>2013-06-10T14:50:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/04/25/medicaid-expansion-would-help-working-south-carolinians-4/</loc><lastmod>2013-05-01T14:23:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/02/05/the-aca-toolbox-for-health-reform-what-state-health-leaders-arent-telling-the-general-assembly-2/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/02/toolbox.png</image:loc><image:title>Toolbox</image:title><image:caption>Figure 1 - with permission of the The Commonwealth Fund</image:caption></image:image><lastmod>2013-02-05T12:45:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/01/27/223/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/income-taxes.png</image:loc><image:title>Income taxes</image:title><image:caption>Figure 4 - South Carolina Income Taxes</image:caption></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/sales-tax.png</image:loc><image:title>Sales tax</image:title><image:caption>Figure 2 - South Carolina Sales Tax</image:caption></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/pages-from-whopays4_mainreport-and-states-2.png</image:loc><image:title>Pages from WhoPays4_MainReport and States-2</image:title><image:caption>Figure 3</image:caption></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/sc-tax-structure.png</image:loc><image:title>SC Tax Structure</image:title><image:caption>Figure 1</image:caption></image:image><lastmod>2013-01-31T15:01:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2013/01/25/a-tale-of-two-maps-misdirection-in-the-medicaid-expansion-debate/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/uninsured-non-elderly-adults-sc-2010-under-138-map-3.png</image:loc><image:title>Uninsured Non-elderly Adults SC 2010 Under 138 % Map 3</image:title><image:caption>Figure 4</image:caption></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/scdhhs-estimate-as-of-vap.png</image:loc><image:title>SCDHHS Estimate as % of VAP</image:title><image:caption>Figure 3</image:caption></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/prevelant-diseases-among-sc-medicaid-recipients.jpg</image:loc><image:title>Prevelant Diseases Among SC Medicaid Recipients</image:title></image:image><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2013/01/projected-aca-expansion.jpg</image:loc><image:title>Projected ACA Expansion</image:title><image:caption>Figure 1</image:caption></image:image><lastmod>2013-01-25T19:30:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/12/26/the-haley-budget-translated-blame-it-on-obamacare/</loc><lastmod>2013-01-28T13:33:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2011/12/16/sc-health-insurance-consumers-pay-250-per-year-in-agent-commissions/</loc><lastmod>2012-09-07T15:13:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/08/10/medicaid-expansion-costs-or-savings-for-south-carolina/</loc><lastmod>2013-04-23T06:04:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/07/09/governor-haleys-vetoes-and-budget-policy-what-seventy-four-vetoes-to-the-general-appropriations-bill-and-seven-in-the-capital-reserve-fund-bill-mean-for-teachers-the-arts-and-our-oceans/</loc><lastmod>2012-07-09T17:50:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/05/04/cutting-school-taxes-to-fix-school-funding/</loc><lastmod>2012-05-04T12:55:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/04/20/much-ado-about-nothing-sc-sales-tax-reform/</loc><lastmod>2012-04-20T16:02:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/04/16/rewarding-work-and-building-wealth-a-state-earned-income-tax-credit/</loc><lastmod>2012-04-16T11:49:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/04/03/sc-senate-on-verge-of-giving-state-power-to-take-over-medicare/</loc><lastmod>2012-04-12T13:07:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/03/27/sc-gop-house-tax-plan-shifts-a-billion-dollars-onto-owners-of-homes-and-vehicles/</loc><lastmod>2012-03-27T12:13:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/03/26/sc-small-business-tax-cut-shrinks-government-but-doesnt-help-small-business-development/</loc><lastmod>2012-03-26T15:51:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/03/21/sc-house-republicans-move-to-tax-working-poor/</loc><lastmod>2012-03-21T22:22:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/03/15/sc-house-gop-sales-tax-plan-addresses-only-5-of-exempted-sales/</loc><lastmod>2012-03-19T17:48:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/02/29/funding-private-schools-here-we-go-again/</loc><lastmod>2012-03-26T20:08:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/03/14/sc-house-gop-tax-package-does-little-for-economic-development-and-poses-long-term-threats-to-fiscal-health/</loc><lastmod>2012-03-14T14:09:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/02/20/nikki-haley-and-charlottes-web/</loc><lastmod>2012-02-20T20:08:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/02/06/drowning-south-carolina-government-in-a-bath-tub/</loc><lastmod>2012-02-06T17:36:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/01/30/a-foolish-inconsistency-sc-leaders-on-military-and-state-spending/</loc><lastmod>2012-01-30T13:38:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/01/15/haley-budget-priorities-savings-and-tax-cuts-but-not-schools/</loc><lastmod>2012-01-15T20:49:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2012/01/05/another-bad-idea-axing-the-sc-corporate-income-tax/</loc><lastmod>2012-01-05T20:14:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2011/12/14/building-a-better-gas-tax-for-south-carolina/</loc><lastmod>2011-12-16T19:28:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2011/12/07/sc-senate-fiscal-fitness-subcommittee-reports-bills-out/</loc><lastmod>2011-12-13T15:32:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2011/12/10/really-want-transparent-government-in-sc/</loc><lastmod>2011-12-12T01:05:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://theruoffgroup.com/2011/11/16/real-fiscal-fitness-for-south-carolina-its-not-spending-caps/</loc><image:image><image:loc>https://theruoffgroup.com/wp-content/uploads/2011/11/total-spending-compared-to-personal-income1.jpg</image:loc><image:title>Total 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