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		<title>Money IQ by Croghan Colonial Bank</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Mon, 15 Apr 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Protect Yourself from Check Fraud]]></title>
			<description><![CDATA[Do you send paper checks through the mail? Do you know how to protect yourself against check fraud?]]></description>
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			<pubDate>Mon, 15 Apr 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[When Should You Start Investing?]]></title>
			<description><![CDATA[Investing can be a great way to build wealth over time, but when is the right time to start?]]></description>
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			<pubDate>Fri, 15 Mar 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Teaching Kids to Use Debit and Credit Cards]]></title>
			<description><![CDATA[As a parent, preparing your teen to make smart financial decisions can seem daunting, so it's best to start early.]]></description>
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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out for Package Delivery Scams]]></title>
			<description><![CDATA[With online shopping, it seems like we&rsquo;re always waiting for a package to be delivered&mdash;and scammers know that. Learn how to protect yourself today.]]></description>
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			<pubDate>Wed, 15 Nov 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Estate Planning for All Ages]]></title>
			<description><![CDATA[Planning for your twilight years, including estate planning, is important for everyone. ]]></description>
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			<pubDate>Fri, 15 Sep 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Young Adults Should Start Saving for the Short and Long Term Now]]></title>
			<description><![CDATA[For young people, the path to your financial goals could be months or decades in the future, so it's important to start saving early.]]></description>
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			<pubDate>Tue, 15 Aug 2023 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[APR vs APY--What's the Difference?]]></title>
			<description><![CDATA[You've probably heard the terms APR and APY. Do you know what they mean for you?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=94863]]>
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			<pubDate>Thu, 15 Jun 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Worried about late or lost mail? It's time for Online Bill Pay]]></title>
			<description><![CDATA[Late delivery of bills or payments sent through the mail can be frustrating--and costly. Online Bill Pay can help!]]></description>
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			<pubDate>Mon, 15 May 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is Multifactor Authentication?]]></title>
			<description><![CDATA[Hackers are always looking for ways to access your email and other important accounts, but multifactor authentication can make that far harder to do &ndash; so your information is safer.]]></description>
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			<pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[You'll Save Money by Making More Than the Minimum Payment]]></title>
			<description><![CDATA[You&rsquo;ve heard a lot about how essential it is to pay your bills on time and make at least the minimum payment - but here&rsquo;s one more important piece of advice: Pay more whenever you can.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=94869]]>
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			<pubDate>Wed, 15 Mar 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is a Credit Freeze?]]></title>
			<description><![CDATA[If you break into a sweat at the thought of identity theft, you might want to consider a credit freeze.]]></description>
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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is Inflation?]]></title>
			<description><![CDATA[What is inflation, and what does it mean for the average consumer? Inflation is a rise in prices, or a decrease in the purchasing power of money.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=94874]]>
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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[The Importance of Backing Up your Computer]]></title>
			<description><![CDATA[Are you backing up your important computer files at home? Without backups, you could lose important files--forever!]]></description>
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			<pubDate>Tue, 15 Nov 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is Social Engineering?]]></title>
			<description><![CDATA[Social Engineering is any malicious activity that takes advantage of people by tricking them into sharing private information. ]]></description>
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			<pubDate>Sat, 15 Oct 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Placing a Fraud Alert]]></title>
			<description><![CDATA[If you&rsquo;re the victim of identity theft, or think you may be at risk, you should act quickly to protect yourself from further financial damage.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=94829]]>
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			<pubDate>Thu, 15 Sep 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[What Makes a Good Credit Score?]]></title>
			<description><![CDATA[If you&rsquo;re thinking about applying for a credit card, getting a loan, or buying a house, you&rsquo;re going to want to know your credit score.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=73106]]>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Your Plan of Attack After a Hack]]></title>
			<description><![CDATA[When merchants are hacked, consumers are at risk. Is your credit or debit card in danger? Is there anything you can do? Find out now.]]></description>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Paying Off Debt: Snowball vs. Avalanche]]></title>
			<description><![CDATA[Sometimes paying off debt can feel impossible, especially if you owe a lot. So, what can you do? Consider the snowball or avalanche methods.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=57460]]>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Learn How To Protect Yourself Against Identity Theft In College]]></title>
			<description><![CDATA[Learn how to protect yourself from identity theft while you&rsquo;re in college. It&rsquo;s a lesson that can last a lifetime.]]></description>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Some Scammers Are Targeting Personal Payment Apps]]></title>
			<description><![CDATA[Some scammers are trying to use that handy peer-to-peer mobile payment app to trick you out of your money. Learn more.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=57465]]>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Getting A Home Loan Might Be Easier Than You Think]]></title>
			<description><![CDATA[Worried about the down payment for a home? You might have saved enough already.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=76346]]>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Online Banking: There When You Need It Most]]></title>
			<description><![CDATA[The pandemic has opened our eyes to new ways of doing old things - and one, is banking. See how online banking keeps the doors open 24/7.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=53496]]>
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			<pubDate>Wed, 15 Sep 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Take Some Time To Teach Young Kids The Basics Of Money]]></title>
			<description><![CDATA[How do you start teaching young children about money? You talk about it in simple terms. Here are some examples.]]></description>
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			<pubDate>Sun, 15 Aug 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[It&rsquo;s Important To Learn About Managing Your Money While In College]]></title>
			<description><![CDATA[It might not be a class you take, but one of the most important things you can learn in college is how to manage money. Find out why.]]></description>
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			<pubDate>Sat, 15 May 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[College Is Expensive. Start Thinking About Money For School Now.]]></title>
			<description><![CDATA[College is expensive. Here are some things you should start thinking about now.]]></description>
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			<pubDate>Sat, 15 May 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Try To Avoid Common Financial Mistakes]]></title>
			<description><![CDATA[What you do with your money can get you into a financial mess. Here are some tips to avoid that.]]></description>
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			<pubDate>Mon, 15 Mar 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[ Some Stolen Personal Data Is More Sensitive Than Others]]></title>
			<description><![CDATA[Not all stolen data is equal. The more sensitive the information, the more damaging it can be. Learn what you can do.]]></description>
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			<pubDate>Mon, 15 Feb 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Are You A Victim Of Identity Theft? It&rsquo;s Time To Take Action.]]></title>
			<description><![CDATA[You need to take action if you suspect you are a victim of identity theft. Here are some things you can do.]]></description>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out For Scammers Claiming To Be From Your Bank]]></title>
			<description><![CDATA[Here are some important things to think about if someone calls claiming to be from your financial institution.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=43960]]>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[What Is The Dark Web And Why Should You Care?]]></title>
			<description><![CDATA[What happens when stolen information shows up on the Dark Web. Is there anything you can do about it?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=53502]]>
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			<pubDate>Thu, 15 Oct 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Protect Yourself From Costly Check Overpayment Scams]]></title>
			<description><![CDATA[Beware if someone overpays you and then asks you to refund the overpayment amount. It could be a costly scam.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41283]]>
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			<pubDate>Tue, 15 Sep 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Need A New Vehicle? Should You Buy Or Lease?]]></title>
			<description><![CDATA[Is it time for a new vehicle? Should you buy or lease? Here are some things to consider.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41285]]>
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			<pubDate>Sat, 15 Aug 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Should You Do After Being Turned Down For A Loan?]]></title>
			<description><![CDATA[You've been turned down for a loan. Now what? Here are some things you can do to change that.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41288]]>
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			<pubDate>Sat, 15 Aug 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Things To Think About When You Leave Your Job With Money Invested In A 401(k)]]></title>
			<description><![CDATA[What should you do with your 401(k) when you leave your job? Here are some options.]]></description>
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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Thinking About Refinancing Your Home Mortgage?]]></title>
			<description><![CDATA[There are several reasons for refinancing your home mortgage. Is one right for your needs?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41295]]>
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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Checking Accounts Can Help Teens Keep Track Of Money]]></title>
			<description><![CDATA[A checking account can be a great tool for teens. Find out why.]]></description>
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			<pubDate>Sun, 15 Mar 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Tips On Looking Toward Retirement Income And Expenses]]></title>
			<description><![CDATA[Will you have enough money when you retire? Here are some things to think about.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=62211]]>
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			<pubDate>Sat, 15 Feb 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[What Is A Data Breach And What Should You Do?]]></title>
			<description><![CDATA[A data breach doesn't mean you will become an identity theft victim, but it can lead to that. Find out what you can do.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=94843]]>
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			<pubDate>Sat, 15 Feb 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[Should I Use A Debit Card Or A Credit Card?]]></title>
			<description><![CDATA[Do you know the differences between debit and credit cards? ]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41298]]>
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			<pubDate>Wed, 15 Jan 2020 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Are You Missing Out On &lsquo;Free&rsquo; Retirement Money At Work?]]></title>
			<description><![CDATA[Are you passing up a chance to get &lsquo;free&rsquo; money at work? Learn how 401(k) matching funds make big a difference.]]></description>
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			<pubDate>Wed, 15 Jan 2020 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Paying Debts and Learning To Save Money Can Reduce Your Financial Worries]]></title>
			<description><![CDATA[Paying debts and learning to save money can reduce your financial concerns. Check out these tips.]]></description>
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			<pubDate>Sun, 15 Dec 2019 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Protect Yourself From Becoming A Victim Of Gift Card Scams]]></title>
			<description><![CDATA[Whether you get or give gift cards, you need to watch out for scammers. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=53587]]>
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			<pubDate>Fri, 15 Nov 2019 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Reasons Why You Should Use A Credit Card For Online Purchases]]></title>
			<description><![CDATA[What type of card should you use when shopping online? Your credit card is probably safest. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41303]]>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=41303]]>
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			<pubDate>Tue, 15 Oct 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Your Computer Has Malware. What Should You Do?]]></title>
			<description><![CDATA[Malware can be devastating. Here are some warning signs and things you can do to prevent it.]]></description>
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			<pubDate>Sun, 15 Sep 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Are You Saving For Your Future Needs?]]></title>
			<description><![CDATA[How much money should you be saving to meet your future financial needs? Here are some tips.]]></description>
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			<pubDate>Sat, 15 Jun 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[It&rsquo;s Important To Protect Your Mobile Phone Number &ndash; And Your Phone ]]></title>
			<description><![CDATA[Learn why experts say it's important to protect your cell phone number from falling into the wrong hands.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=65376]]>
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			<pubDate>Mon, 15 Apr 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Learn How To Take Wise Financial Steps In Your 20s]]></title>
			<description><![CDATA[We know it might not be easy, but your 20s is an important time to start building solid financial habits. Here are some tips.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=53562]]>
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			<pubDate>Tue, 15 Jan 2019 00:00:00 -0500</pubDate>
		</item>
				<item>
			<title><![CDATA[Buying A Home? Here Are Some Of The Common Loan Types You&rsquo;ll Have To Choose From.]]></title>
			<description><![CDATA[Learn how working with a mortgage professional can help you find a home loan right for you.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=76342]]>
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			<pubDate>Thu, 15 Nov 2018 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Retirement: Things To Do In Your 60s]]></title>
			<description><![CDATA[In your 60s? Can you see the retirement finish line? Learn what you can do.]]></description>
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			<pubDate>Sat, 15 Sep 2018 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Everyday Tips For Saving Money]]></title>
			<description><![CDATA[Saving money can be hard, but these tips to cut back on everyday spending can really add up to significant savings.]]></description>
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			<pubDate>Wed, 15 Aug 2018 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Retirement: Things You Should Be Doing In Your 50s]]></title>
			<description><![CDATA[In your 50s? It&rsquo;s time to shift into retirement-planning high gear. Learn why.]]></description>
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			<pubDate>Wed, 15 Aug 2018 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Retirement: Things To Do In Your 30s]]></title>
			<description><![CDATA[In your 30s? Learn what you can do to save money for retirement.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=62231]]>
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			<pubDate>Sun, 15 Jul 2018 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[File Taxes Early As A Guard Against Identity Theft]]></title>
			<description><![CDATA[It's important to keep your personal information safe and to file your taxes early. Find out why.]]></description>
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			<pubDate>Thu, 15 Feb 2018 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Getting Married? It&rsquo;s Time To Talk About Financial Goals and Needs]]></title>
			<description><![CDATA[Planning to get married? Now's the time to start talking about your finances. Learn more today!]]></description>
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			<pubDate>Mon, 15 Jan 2018 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Retirement: What To Do In Your 40s]]></title>
			<description><![CDATA[In your 40s and slow to save for retirement? It's time to get serious. Learn why.]]></description>
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			<pubDate>Sun, 15 Oct 2017 00:00:00 -0400</pubDate>
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				<item>
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			<description><![CDATA[Thinking about saving for retirement? Have you considered an IRA? Find out why.]]></description>
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				<item>
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			<description><![CDATA[Are you guarding your digital information from being held hostage by ransomware? Learn what you can do.]]></description>
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			<pubDate>Fri, 30 Dec 2016 23:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Teach Your Kids The Importance Of Saving Money]]></title>
			<description><![CDATA[It&rsquo;s never too early to start teaching kids the importance of saving money. Here are some tips.]]></description>
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			<pubDate>Thu, 15 Sep 2016 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Password Managers Can Help Keep Your Online Accounts Safe]]></title>
			<description><![CDATA[How do you keep track of your online passwords? Learn how a password manager can help.]]></description>
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			<description><![CDATA[Gift cards can ease the stress of shopping. Find out what makes them special.]]></description>
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			<pubDate>Wed, 20 Apr 2016 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Retirement: Things To Think About In Your 20s]]></title>
			<description><![CDATA[Welcome to your 20s, a great time to start saving for retirement. Learn more today.]]></description>
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			<pubDate>Sat, 27 Feb 2016 00:00:00 -0500</pubDate>
		</item>
				<item>
			<title><![CDATA[Are You Protecting Your Email Accounts?]]></title>
			<description><![CDATA[Are you guarding your email from both the outside and the inside? Learn how today.]]></description>
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			<pubDate>Wed, 03 Feb 2016 23:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Tips For Creating Strong Passwords]]></title>
			<description><![CDATA[Learn how you can create strong passwords to safeguard your online accounts.]]></description>
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			<pubDate>Fri, 15 Jan 2016 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Retirement: It&rsquo;s Never Too Early To Start Saving]]></title>
			<description><![CDATA[It&rsquo;s never too early to start saving for retirement. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=62246]]>
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			<pubDate>Fri, 15 Jan 2016 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Don&rsquo;t Let Overspending Spoil Your Holidays]]></title>
			<description><![CDATA[Holiday spending can spin out of control. Learn how to keep 'Ho! Ho! Ho!' from turning into 'Owe! Owe! Owe!']]></description>
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			<pubDate>Mon, 30 Nov 2015 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Mobile Banking: It&rsquo;s Safe and Easy]]></title>
			<description><![CDATA[Security is at the core of our easy-to-use mobile banking app. Learn more today!]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=1328&id=65377]]>
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			<pubDate>Thu, 03 Sep 2015 23:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Smartphone Security Tips]]></title>
			<description><![CDATA[Are you taking steps to keep the data on your smartphone secure? Learn what you can do today!]]></description>
			<link>
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			<pubDate>Thu, 30 Jul 2015 23:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Protect the Information on Your Smartphone]]></title>
			<description><![CDATA[Our smartphones are capable of many things: email, shopping, banking, apps and storing information. This can expose you to identity theft, unless you take some precautions.]]></description>
			<link>
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			<pubDate>Fri, 27 Feb 2015 23:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Using Strong Passwords for Online Accounts]]></title>
			<description><![CDATA[Are your passwords strong enough to protect your accounts from unauthorized access? Read more to find out now. ]]></description>
			<link>
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			<pubDate>Fri, 31 Oct 2014 23:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[The Benefits of Home Hunting in the Winter]]></title>
			<description><![CDATA[Don't let let cold weather freeze your home-buying plans. Winter can be a great time to find a hot deal. Find out why.]]></description>
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			<pubDate>Mon, 29 Sep 2014 23:00:00 -0400</pubDate>
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			<title><![CDATA[Tips On Raising Your Credit Score]]></title>
			<description><![CDATA[Need a boost? Try these tips to help raise a slumping credit score.]]></description>
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			<pubDate>Mon, 28 Apr 2014 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[529 College Savings Plans]]></title>
			<description><![CDATA[Learn how a 529 college savings plan can be a wise investment in the future.]]></description>
			<link>
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			<pubDate>Wed, 29 Jan 2014 00:00:00 -0500</pubDate>
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			<title><![CDATA[Be Smart With Your Credit Card]]></title>
			<description><![CDATA[Learn how to use your credit card wisely and avoid paying costly fees and charges!]]></description>
			<link>
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			<pubDate>Sun, 29 Sep 2013 23:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Your Credit Score Matters]]></title>
			<description><![CDATA[Learn why your credit score matters when it comes to loans and interest rates.]]></description>
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			<pubDate>Tue, 13 Aug 2013 00:00:00 -0400</pubDate>
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			<title><![CDATA[Understanding Your Credit Report]]></title>
			<description><![CDATA[Your credit report is an overview of your financial health. Lean how to check it out.]]></description>
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			<pubDate>Wed, 03 Jul 2013 00:00:00 -0400</pubDate>
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