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      <image:title>Blog: Plain Talk</image:title>
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    <loc>https://www.rjohnthebad.com/plain-talk/2023/5/29/office-vacancy-chaos-and-opportunity</loc>
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    <lastmod>2023-05-29</lastmod>
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      <image:title>Blog: Plain Talk - Office Vacancy Chaos and Opportunity - Make it stand out</image:title>
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    <loc>https://www.rjohnthebad.com/plain-talk/2022/12/4/the-model-text-amendment-for-dwelling-unit-equivalent</loc>
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    <lastmod>2022-12-04</lastmod>
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      <image:title>Blog: Plain Talk - Model Text Amendment for Dwelling Unit Equivalents - Make it stand out</image:title>
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      <image:title>Blog: Plain Talk - Model Text Amendment for Dwelling Unit Equivalents - Make it stand out</image:title>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/11/19/the-most-ridiculous-face-palm-issue-in-modern-planning-and-zoning</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-09</lastmod>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/8/26/you-think-youre-frustrated-about-affordable-housing-lemme-tell-you</loc>
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    <lastmod>2022-08-26</lastmod>
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      <image:title>Blog: Plain Talk - You Think You're Frustrated about Affordable Housing???  Lemme Tell  You.... - Make it stand out</image:title>
      <image:caption>A cottage court by Jeremy Sommer of Sommer Design Studios</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/6/19/diy-regulatory-reform-dryer-repair-adus-and-bike-lanes</loc>
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    <priority>0.5</priority>
    <lastmod>2022-06-19</lastmod>
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      <image:title>Blog: Plain Talk - DIY Regulatory Reform -Dryer Repair, ADUs, and Bike Lanes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/5/25/pouring-gasoline-on-three-colliding-problems</loc>
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    <priority>0.5</priority>
    <lastmod>2022-05-25</lastmod>
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      <image:title>Blog: Plain Talk - Pouring Gasoline on Three Colliding Problems - Make it stand out</image:title>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/3/21/embedded-urbanists-isnt-there-some-shortcut</loc>
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    <priority>0.5</priority>
    <lastmod>2022-03-21</lastmod>
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      <image:title>Blog: Plain Talk - Embedded Urbanists?  Isn't there some shortcut? - Make it stand out</image:title>
      <image:caption>Incremental Development Boot Camp Columbus, Georgia</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2022/1/28/comparing-purchaserehab-loans-form-freddie-mac-fannie-mae-fha-and-va</loc>
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    <lastmod>2022-01-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/5393cc87-3d80-425a-a246-0cfa75c2e1b0/head+scratch.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Comparing Purchase/Rehab loans form Freddie Mac, Fannie Mae, FHA, and VA - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/12/2/small-developers-and-the-construction-labor-shortage-time-to-dig-deep</loc>
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    <priority>0.5</priority>
    <lastmod>2021-12-02</lastmod>
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      <image:title>Blog: Plain Talk - Small Developers and the Construction Labor Shortage  -time to dig deep. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/10/28/will-banks-invest-in-distressed-neighborhoods</loc>
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    <lastmod>2021-10-28</lastmod>
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      <image:title>Blog: Plain Talk - Will Banks Invest in Distressed Neighborhoods? - Make it stand out</image:title>
      <image:caption>Boarded up corner store in New Orleans</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/10/22/what-is-a-bigger-problem-than-a-bubble-in-house-prices</loc>
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    <priority>0.5</priority>
    <lastmod>2021-10-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1634910943147-5PYJDQYU99X2F2RL6Y8B/snouthouses+in+Seattle.png</image:loc>
      <image:title>Blog: Plain Talk - What is a bigger problem than a bubble in house prices? - Make it stand out</image:title>
      <image:caption>Snout Houses with no front door.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/9/20/real-estate-math-is-relentless</loc>
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    <priority>0.5</priority>
    <lastmod>2021-09-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1632162748214-JJFN6RJ6E4KKKRIAM0YV/podium+building+.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Real Estate Math is Relentless - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/9/2/excited-about-inclusionary-zoning-do-the-math-and-the-excitement-will-pass</loc>
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    <priority>0.5</priority>
    <lastmod>2021-09-02</lastmod>
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      <image:title>Blog: Plain Talk - Excited About Inclusionary Zoning?  Do the Math, and the Excitement Will Pass - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/8/30/template-for-sorting-out-a-zoning-code</loc>
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    <priority>0.5</priority>
    <lastmod>2021-08-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1630334724943-XSLBAUAE5HJ3ZPNR51AW/beautiful-young-african-american-woman-architect-with-black-curly-hair-drawing-sketch-using-pen_273609-13912.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Template for Sorting Out a Zoning Code - Make it stand out</image:title>
      <image:caption>Work it out on paper first….</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1630334220381-VJL9LRC1A9G8UOQ1PAXW/Annotated+template.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Template for Sorting Out a Zoning Code - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1630334149724-R82CYQ3AGQSTKZY2THPR/Blank+zoning+worksheet.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Template for Sorting Out a Zoning Code - Make it stand out</image:title>
      <image:caption>Zoning Code Graphic Template</image:caption>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/7/31/so-whats-the-deal-with-the-incremental-development-alliance-incdev</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1627746084700-1O8TD6OIN73QC74O2963/incdev+atl.jpeg</image:loc>
      <image:title>Blog: Plain Talk - So what's the Deal with the Incremental Development Alliance (IncDev)? - Make it stand out</image:title>
      <image:caption>IncDev folks in a familiar setting, (a bar after one of Invest Atlanta’s Community Builder classes).</image:caption>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/7/20/v33pk35auvjs322oyfu38ji22v204h</loc>
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    <priority>0.5</priority>
    <lastmod>2021-07-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1626800742672-2BDLY0PVKCE9JIW2PAH9/sterile_suburb.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Big Money is Looking for Commodity Suburban Houses - Make it stand out</image:title>
      <image:caption>Commodity detached suburban houses</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1626801037075-4428VG23BUJITKHNZK8X/affordablehousng-new-yorker-cartoon-concentrate.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Big Money is Looking for Commodity Suburban Houses - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/6/17/how-do-you-get-started-as-a-small-developer-here-are-3-options</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1623975113369-GBAU8MCAYMV97QULKTFX/three+people+walking.jpeg</image:loc>
      <image:title>Blog: Plain Talk - How do you get started as a Small Developer?  Here are 3 Options: - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/29/who-is-going-to-make-the-great-plan-into-reality-who-is-going-to-sweat-the-details-that-matter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1619733035490-KTHIZW8EIJ2VW02I3SXS/bread.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Who is going to make the great plan into reality?  Who is going to sweat the details that matter?</image:title>
      <image:caption>Nobody does excellent work under duress. You gotta care.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/23/the-mcpodium-building-and-fast-casual-architecture</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1619218463556-QIZAZJJGVU5MJ05E7MD1/IBC-2012-One-story-Podium-Limit.jpeg</image:loc>
      <image:title>Blog: Plain Talk - The McPodium Building and Fast Casual Architecture</image:title>
      <image:caption>Five over 1 Podium Explainer from Base 4 Architects &amp; Engineers</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/19/ivy-vann-tells-it-straight-about-shoes-and-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1618871725944-DIESYKZQ02OTIEEU3V4Y/ivy+with+soup+pot.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Ivy Vann -Straight talk about shoes and housing</image:title>
      <image:caption>Ivy with 8 gallon stock pot for scale</image:caption>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/18/fn08zr3frk1lhr9ujomh43ok0vn9ce</loc>
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    <priority>0.5</priority>
    <lastmod>2021-04-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1618786366393-KS5QSHNG8X8TU9HDJWIS/400+sf+ADU+on+a+800+SF+house.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Who can afford to build on of those ADU's in their back yard?  Who is this really serving?</image:title>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/13/do-you-become-a-different-person-when-you-buy-a-house-seriously</loc>
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    <priority>0.5</priority>
    <lastmod>2021-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1618342506836-89CHE07TPS09G39FGUT9/Your-Parenting-Mojo-The-Othering-1-1024x536.png</image:loc>
      <image:title>Blog: Plain Talk - Do You become a different person when you buy a house?  Seriously?</image:title>
    </image:image>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2021/4/12/why-is-density-such-an-ugly-word</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1618253327976-TPTWI73AUVV8SNCUMYMG/great+sign.jpeg</image:loc>
      <image:title>Blog: Plain Talk - Why is Density such an ugly word?</image:title>
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  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2020/12/26/why-would-i-ever-want-to-read-that</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1609002643332-ZAJL41IH2RGLIZCP639T/akron%2Bny%2Bmain%2Bstreet.jpg</image:loc>
      <image:title>Blog: Plain Talk - Why Would I Ever Want to Read That?</image:title>
      <image:caption>Hardworking flexible buildings in downtown Akron, NY</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2020/12/15/roughly-right-or-precisely-wrong</loc>
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    <priority>0.5</priority>
    <lastmod>2021-04-13</lastmod>
  </url>
  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2020/12/5/which-code-the-building-code-the-zoning-code-you-gotta-be-more-specific</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1607191784196-L6EO14PNT3LZ5N3Y1FJV/building+codes+illustrated.jpg</image:loc>
      <image:title>Blog: Plain Talk - Which Code?  The Building Code?  The Zoning Code?  -you gotta be more specific....</image:title>
      <image:caption>Francis Ching’s indispensable book on Building Codes.</image:caption>
    </image:image>
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    <loc>https://www.rjohnthebad.com/plain-talk/2020/12/3/first-project-heres-the-best-advice-i-can-give-a-rookie-developer</loc>
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    <priority>0.5</priority>
    <lastmod>2020-12-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1607005674034-SQ1GDKPAD6LS7XN5BPEG/cottage+Square+Dec+2020.jpg</image:loc>
      <image:title>Blog: Plain Talk - First Project? Here's the best advice I can give a rookie developer - Outdoor Social Space for COVID</image:title>
      <image:caption>Renovated One Bedroom Hurricane Recovery Cottages in the second phase of the Cottage Square Neighborhood in Ocean Springs, MS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.rjohnthebad.com/plain-talk/2020/11/28/i-have-sent-some-version-of-this-email-to-a-lot-of-rookie-developers</loc>
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    <priority>0.5</priority>
    <lastmod>2020-12-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1606608522517-L4BCXSN8JVPAM65AJ0T6/hampstead+4f+1.jpg</image:loc>
      <image:title>Blog: Plain Talk - I have sent some version of this email to a lot of rookie developers</image:title>
      <image:caption>The first built example of the Form Follows Finance Four-plex (the 4-F) in the Hampstead Neighborhood of Montgomery, Alabama.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a555d1bd55b4153b1385cff/1606608229571-51CT9HYVGN852D2KDWX1/4F_Revised.jpg</image:loc>
      <image:title>Blog: Plain Talk - I have sent some version of this email to a lot of rookie developers</image:title>
      <image:caption>An early version of the 4-F</image:caption>
    </image:image>
  </url>
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    <loc>https://www.rjohnthebad.com/plain-talk/2020/6/24/so-why-cant-we-get-a-trader-joe-here</loc>
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      <image:caption>Parking in Downtown Buffalo, NY. A stark example of a city that has prioritized affordable places to house cars (--regardless of the cost or consequence).</image:caption>
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      <image:caption>Stack of cash</image:caption>
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