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	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/22/bank-of-canada-to-slow-interest-rate-cuts-with-gst-holiday-on-stimmy-bmo/</loc>
		<lastmod>2024-11-22T21:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/24/this-weeks-top-stories-canadas-mass-exodus-of-immigrants-boc-to-slow-rate-cuts/</loc>
		<lastmod>2024-11-24T19:15:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/25/toronto-new-home-prices-down-more-than-30-condo-sales-down-91/</loc>
		<lastmod>2024-11-25T20:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/26/canadian-new-home-prices-made-the-biggest-drop-since-2009/</loc>
		<lastmod>2024-11-26T17:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/27/canadian-mortgage-rates-to-rise-housing-unaffordable-until-2035-oxford-econ/</loc>
		<lastmod>2024-11-27T18:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/28/canada-expects-up-to-1-in-10-people-to-voluntarily-leave-by-next-year/</loc>
		<lastmod>2024-11-28T21:27:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/11/29/canadian-gdp-rises-on-gov-spending-big-revisions-to-slow-rate-cuts-bmo/</loc>
		<lastmod>2024-11-29T19:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/01/this-weeks-top-stories-canadian-real-estate-unaffordable-until-2035-mortgages-wont-fall-much-further/</loc>
		<lastmod>2024-12-01T19:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/02/canadian-per-capita-gdp-falls-for-a-6th-quarter-supersized-cut-expected-rbc/</loc>
		<lastmod>2024-12-02T20:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/03/canadian-gdp-revisions-re-write-pandemic-all-sectors-recovered-bmo/</loc>
		<lastmod>2024-12-03T19:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/04/toronto-real-estate-prices-rise-despite-unusually-high-inventory/</loc>
		<lastmod>2024-12-04T21:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/06/canadian-unemployment-hits-highest-non-pandemic-rate-since-2017/</loc>
		<lastmod>2024-12-06T19:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/06/canadian-labor-productivity-falls-further-stagnant-for-nearly-half-a-decade/</loc>
		<lastmod>2024-12-06T19:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/08/this-weeks-top-stories-canadian-unemployment-hits-7-year-high-toronto-home-prices-rise/</loc>
		<lastmod>2024-12-08T19:18:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/09/torontos-jobless-population-hits-380k-back-to-pandemic-levels/</loc>
		<lastmod>2024-12-09T20:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/10/canadian-loonie-forecast-to-remain-weak-bad-news-for-home-building/</loc>
		<lastmod>2024-12-10T20:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/10/greater-vancouver-real-estate-sales-surged-so-did-inventory/</loc>
		<lastmod>2024-12-10T23:01:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/11/bank-of-canada-makes-supersized-cut-fears-immigration-shift-will-slow-gdp/</loc>
		<lastmod>2024-12-11T20:16:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/12/canadas-existing-mortgage-borrowers-get-relief-wont-motivate-buyers-bmo/</loc>
		<lastmod>2024-12-12T20:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/13/canadian-mortgage-rates-start-climbing-as-gov-bond-yields-surge/</loc>
		<lastmod>2024-12-13T21:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/15/this-weeks-top-stories-canadian-mortgage-rates-climb-torontos-380k-unemployed/</loc>
		<lastmod>2024-12-15T20:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/16/canada-has-less-than-1-job-vacant-for-every-2-unemployed-jobseekers/</loc>
		<lastmod>2024-12-16T19:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/16/canadian-real-estate-prices-halt-declines-as-cheaper-credit-boosts-demand/</loc>
		<lastmod>2024-12-16T19:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/17/canadian-inflation-slows-mortgages-pull-back-while-rents-accelerate/</loc>
		<lastmod>2024-12-17T18:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/18/canadians-still-moving-to-alberta-east-coast-appeal-fizzles-out-bmo/</loc>
		<lastmod>2024-12-18T21:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/19/canadian-dollar-plunges-as-bank-of-canada-federal-reserve-diverge/</loc>
		<lastmod>2024-12-19T20:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/20/canadian-mortgage-borrowers-received-over-8000-relief-measures-fcac/</loc>
		<lastmod>2024-12-20T21:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/22/this-weeks-top-stories-canadian-mortgage-relief-measures-soar-jobless-population-2x-vacancies/</loc>
		<lastmod>2024-12-22T19:15:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/23/canadian-gdp-shows-surprising-growth-driven-by-real-estate-more-upward-revisions/</loc>
		<lastmod>2024-12-23T20:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/24/canadian-household-debt-outpaces-gdp-as-mortgage-borrowing-returns/</loc>
		<lastmod>2024-12-24T18:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/27/canadian-real-estate-markets-overheat-again-government-cities-tighten-most/</loc>
		<lastmod>2024-12-27T20:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/29/this-weeks-top-stories-canadian-real-estate-heats-up-in-gov-towns-debt-grew-faster-than-gdp/</loc>
		<lastmod>2024-12-29T19:54:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/30/canadian-temporary-resident-applications-extensions-fall-ahead-of-schedule/</loc>
		<lastmod>2024-12-30T20:17:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2024/12/31/canada-hits-a-record-for-active-businesses-growth-driven-by-real-estate/</loc>
		<lastmod>2024-12-31T21:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/02/toronto-mortgage-delinquency-rate-hits-a-9-year-high/</loc>
		<lastmod>2025-01-02T20:28:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/03/canadian-banks-see-mortgages-in-arrears-climb-despite-state-intervention/</loc>
		<lastmod>2025-01-03T21:36:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/05/this-weeks-top-stories-canadian-mortgage-delinquencies-rise-immigration-applications-slow/</loc>
		<lastmod>2025-01-05T18:13:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/06/canadian-borrowers-to-feel-bank-of-canadas-qt-in-2025-nbf/</loc>
		<lastmod>2025-01-06T23:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/07/canada-to-enforce-capital-gains-change-hides-pandemic-sized-deficit/</loc>
		<lastmod>2025-01-07T19:28:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/08/toronto-real-estate-fizzles-out-with-2nd-worst-december-in-over-10-years/</loc>
		<lastmod>2025-01-08T02:15:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/08/vancouver-real-estate-sales-rise-inventory-much-higher-than-usual/</loc>
		<lastmod>2025-01-08T17:48:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/09/canadian-seniors-more-likely-to-have-a-mortgage-than-young-adults/</loc>
		<lastmod>2025-01-09T23:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/10/canadas-top-job-market-is-saskatoon-toronto-ranks-near-worst-bmo/</loc>
		<lastmod>2025-01-10T18:17:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/12/this-weeks-top-stories-canadian-mortgage-rates-to-rise-toronto-job-market-amongst-worst-in-canada/</loc>
		<lastmod>2025-01-12T16:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/13/canadas-immigration-exodus-kicks-off-w-record-npr-outflows/</loc>
		<lastmod>2025-01-13T20:13:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/14/canadian-real-estate-prices-wont-recover-peak-until-2029-bmo/</loc>
		<lastmod>2025-01-14T20:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/15/canadian-real-estate-prices-make-a-bigger-drop-as-reality-sets-in/</loc>
		<lastmod>2025-01-15T19:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/16/the-great-canadian-real-estate-stagnation-has-just-begun-bmo/</loc>
		<lastmod>2025-01-16T19:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/17/global-real-estate-recovery-threatened-by-surging-bond-yields-ox-econ/</loc>
		<lastmod>2025-01-17T17:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/18/canada-to-face-2nd-largest-recession-ever-if-it-enters-a-trade-war-boc/</loc>
		<lastmod>2025-01-18T00:25:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/19/this-weeks-top-stories-canada-to-face-epic-recession-if-tariffs-hit-bonds-derail-real-estate/</loc>
		<lastmod>2025-01-19T18:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/20/canadian-household-debt-accelerates-as-mortgage-borrowing-returns/</loc>
		<lastmod>2025-01-20T18:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/21/canada-is-cutting-1-in-4-jobs-at-immigration-dept-its-about-real-estate/</loc>
		<lastmod>2025-01-21T18:26:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/21/canadas-slowing-inflation-is-an-illusion-involving-a-tax-holiday/</loc>
		<lastmod>2025-01-21T22:14:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/22/canadian-real-estate-sellers-canceled-1-in-5-listings-last-month-nbf/</loc>
		<lastmod>2025-01-22T17:19:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/23/canadian-population-update-trims-nearly-4-million-people/</loc>
		<lastmod>2025-01-23T17:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/24/canadas-population-grew-fast-but-it-was-massively-overstated/</loc>
		<lastmod>2025-01-24T20:14:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/26/this-weeks-top-stories-1-in-5-canadian-real-estate-sellers-canceled-listings-overinflated-population-data/</loc>
		<lastmod>2025-01-26T19:25:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/01/27/canadian-real-estate-slips-ontario-sees-sharpest-correction-by-far/</loc>
		<lastmod>2025-01-27T19:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/11/canadian-wages-are-still-growing-much-faster-than-usual-bmo/</loc>
		<lastmod>2025-03-11T18:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/11/canadas-next-pm-working-w-vancouver-condo-king-on-foreign-investment/</loc>
		<lastmod>2025-03-11T18:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/11/this-weeks-top-stories-canadian-productivity-improves-toronto-real-estate-demand-collapses/</loc>
		<lastmod>2025-03-11T18:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/11/canadian-unemployment-stalls-as-more-young-adults-opt-out-of-the-workforce/</loc>
		<lastmod>2025-03-11T18:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/11/canadian-business-productivity-climbed-for-the-first-time-in-years/</loc>
		<lastmod>2025-03-11T18:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/12/bank-of-canada-cuts-rates-despite-expecting-a-big-inflation-jump/</loc>
		<lastmod>2025-03-12T20:57:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/13/canadian-household-net-worth-is-soaring-but-so-is-inequality/</loc>
		<lastmod>2025-03-13T17:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/14/canadian-households-are-stable-but-rate-cuts-wont-offset-downside-bmo/</loc>
		<lastmod>2025-03-14T17:14:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/14/bank-of-canada-rate-cut-is-driving-mortgage-costs-higher/</loc>
		<lastmod>2025-03-14T19:33:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/16/this-weeks-top-stories-canadas-pm-working-w-condo-king-on-foreign-investment-rate-cuts-send-mortgages-higher/</loc>
		<lastmod>2025-03-16T19:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/17/canadian-real-estate-prices-rise-sales-make-the-sharpest-drop-in-years/</loc>
		<lastmod>2025-03-17T20:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/18/canadian-inflation-is-about-to-smash-through-the-bocs-ceiling/</loc>
		<lastmod>2025-03-18T19:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/19/over-1-in-14-people-in-canada-are-non-permanent-residents-2x-in-4-years/</loc>
		<lastmod>2025-03-19T20:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/20/canadians-permanently-leaving-hits-the-highest-level-since-1967/</loc>
		<lastmod>2025-03-20T23:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/23/this-weeks-top-stories-canadians-are-leaving-in-unusually-high-volumes-real-estate-prices-climb/</loc>
		<lastmod>2025-03-23T15:25:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/24/bank-of-canada-squandering-its-ability-to-respond-to-trade-war-scotiabank/</loc>
		<lastmod>2025-03-24T20:18:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/25/canadian-consumer-confidence-plunges-to-a-record-low/</loc>
		<lastmod>2025-03-25T19:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/26/canadian-unemployment-to-rise-190k-people-within-months-nbf/</loc>
		<lastmod>2025-03-26T20:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/27/canadian-job-vacancy-rate-hits-the-lowest-level-in-over-7-years/</loc>
		<lastmod>2025-03-27T19:17:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/28/canadian-study-permit-applications-plummet-more-than-planned/</loc>
		<lastmod>2025-03-28T19:24:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/30/this-weeks-top-stories-canadian-employment-slows-boc-mistakes-prompt-fears-of-stagflation/</loc>
		<lastmod>2025-03-30T15:15:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/03/31/canadian-mortgage-arrears-climbs-to-the-highest-rate-since-2021/</loc>
		<lastmod>2025-03-31T18:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/01/atlantic-canada-prairies-to-be-hit-hard-by-chinas-tariff-retaliation-rbc/</loc>
		<lastmod>2025-04-01T20:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/02/vancouver-real-estate-prices-rise-despite-historically-weak-sales/</loc>
		<lastmod>2025-04-02T18:28:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/03/toronto-real-estate-enters-a-bear-market-sales-plunge-inventory-rips/</loc>
		<lastmod>2025-04-03T17:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/04/canadian-private-sector-lost-jobs-long-term-unemployment-rises/</loc>
		<lastmod>2025-04-04T21:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/06/this-weeks-top-stories-atlantic-canada-prairies-to-be-hit-hardest-by-trade-war-torontos-bear-market/</loc>
		<lastmod>2025-04-06T14:21:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/08/canadian-business-gdp-outlook-plunges-but-reality-is-typically-better-bmo/</loc>
		<lastmod>2025-04-08T17:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/08/over-1-in-5-canadians-fear-losing-their-job-within-12-months-boc/</loc>
		<lastmod>2025-04-08T19:41:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/09/canadian-renters-abandon-plans-to-buy-real-estate-this-year-boc/</loc>
		<lastmod>2025-04-09T21:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/10/canada-is-saving-its-real-estate-bubble-by-creating-a-rental-bubble/</loc>
		<lastmod>2025-04-10T21:27:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/11/canadian-loonie-regained-value-lost-to-usd-since-tariff-threats-bmo/</loc>
		<lastmod>2025-04-11T19:27:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/13/this-weeks-top-stories-canadas-real-estate-rental-bubble-loonie-recoups-usd-losses/</loc>
		<lastmod>2025-04-13T18:14:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/14/canadian-income-inequality-hits-a-high-economic-mobility-disappears/</loc>
		<lastmod>2025-04-14T21:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/15/canadian-real-estate-prices-hit-multi-month-high-demand-weakest-since-2009/</loc>
		<lastmod>2025-04-15T17:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/16/bank-of-canada-holds-rates-for-the-first-time-in-a-year-carbon-tax-cuts-inflation/</loc>
		<lastmod>2025-04-16T19:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/17/canada-avoiding-the-financial-crisis-is-a-myth-highlighted-by-australia-comparison/</loc>
		<lastmod>2025-04-17T17:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/20/this-weeks-top-stories-canadas-financial-crisis-escape-myth-inequality-hits-a-record-high/</loc>
		<lastmod>2025-04-20T18:14:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/21/canada-likely-to-face-deep-recession-despite-lower-tariffs-oxford-econ/</loc>
		<lastmod>2025-04-21T16:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/21/canadian-housing-starts-collapse-as-ontario-falls-to-2009-levels/</loc>
		<lastmod>2025-04-21T22:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/22/canada-to-become-a-dystopian-nightmare-households-will-flee-gov-report/</loc>
		<lastmod>2025-04-22T19:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/23/canadian-real-estate-shortage-overstated-condos-wont-fix-costs-bmo/</loc>
		<lastmod>2025-04-23T19:16:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/24/canada-lost-370k-payroll-jobs-as-tariff-conflict-began-or-gained-80k/</loc>
		<lastmod>2025-04-24T19:20:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/25/canadian-labor-market-weaker-than-pre-pandemic-may-get-worse-bmo/</loc>
		<lastmod>2025-04-25T17:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/27/this-weeks-top-stories-canada-warns-of-a-dystopian-future-housing-starts-collapse/</loc>
		<lastmod>2025-04-27T17:38:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/28/canadas-housing-platforms-suck-but-who-has-the-most-predatory-plan/</loc>
		<lastmod>2025-04-28T20:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/29/canadian-recession-probability-rises-era-of-low-rates-over-boc/</loc>
		<lastmod>2025-04-29T17:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/04/30/canadas-young-workers-are-fleeing-every-province-but-alberta/</loc>
		<lastmod>2025-04-30T22:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/01/canadian-gdp-contracts-real-estate-posts-largest-drop-since-2022/</loc>
		<lastmod>2025-05-01T18:16:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/02/canadas-gdp-per-capita-crisis-4-provinces-grow-others-fall-some-back-to-2020/</loc>
		<lastmod>2025-05-02T20:59:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/04/this-weeks-top-stories-canadian-real-estate-drags-gdp-recession-possibility-surges/</loc>
		<lastmod>2025-05-04T16:22:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/05/canadas-best-province-for-graduates-to-find-a-job-definitely-not-ontario/</loc>
		<lastmod>2025-05-05T20:24:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/06/toronto-real-estate-prices-fall-below-1m-sales-at-90s-crash-levels/</loc>
		<lastmod>2025-05-06T20:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/07/canadian-international-student-shift-guinea-surpasses-china-indian-demand-crashes/</loc>
		<lastmod>2025-05-07T22:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/08/canadian-real-estate-slump-deepens-rbc-warns-no-rebound-in-sight/</loc>
		<lastmod>2025-05-08T17:19:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/09/canadian-mortgage-impairments-surge-homeowner-or-investor-trouble/</loc>
		<lastmod>2025-05-09T22:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/11/this-weeks-top-stories-canadian-mortgage-impairments-surge-torontos-90s-bubble-style-meltdown/</loc>
		<lastmod>2025-05-11T16:26:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/05/12/canadian-mortgage-rate-renewal-cliff-was-more-like-a-curb/</loc>
		<lastmod>2025-05-12T18:22:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/canadian-rents-fall-for-a-9th-month-but-declines-are-slowing/</loc>
		<lastmod>2025-07-11T17:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/toronto-mortgage-delinquencies-have-tripled-highest-in-over-a-decade/</loc>
		<lastmod>2025-07-11T17:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/vancouver-real-estate-sales-fall-most-inventory-since-boc-suggested-a-bubble/</loc>
		<lastmod>2025-07-11T17:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/canadian-mortgage-delinquencies-rise-but-largely-boosted-by-toronto/</loc>
		<lastmod>2025-07-11T17:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/canadas-fiscal-picture-is-cloudy-deficit-may-hit-80-billion-bmo/</loc>
		<lastmod>2025-07-11T17:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/11/how-canadas-slowing-population-growth-is-fixing-the-job-market/</loc>
		<lastmod>2025-07-11T20:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/13/this-weeks-top-stories-canadas-slowing-immigration-helps-job-market-and-mortgage-deliquencies-rise/</loc>
		<lastmod>2025-07-13T17:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/14/canadian-youth-unemployment-at-recession-levels-the-kids-are-not-alright-bmo/</loc>
		<lastmod>2025-07-14T17:14:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/15/canadian-real-estate-price-floor-breaks-prices-plunge-to-4-year-low/</loc>
		<lastmod>2025-07-15T20:14:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/16/canadian-real-estate-demand-balance-weakest-since-90s-crash/</loc>
		<lastmod>2025-07-16T17:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/17/canadas-capital-flight-accelerates-as-investors-dump-domestic-assets/</loc>
		<lastmod>2025-07-17T17:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/17/canadian-rental-bear-market-is-just-getting-started-bmo/</loc>
		<lastmod>2025-07-17T18:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/18/canadian-condo-prices-just-kicked-off-another-wave-of-corrections/</loc>
		<lastmod>2025-07-18T21:04:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/20/this-weeks-top-stories-canadian-real-estate-demand-crashes-to-90s-levels-and-capital-flight-accelerates/</loc>
		<lastmod>2025-07-20T17:13:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/21/canadian-real-estate-prices-hit-new-record-highs-in-most-provinces/</loc>
		<lastmod>2025-07-21T17:13:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/22/canadians-pull-back-on-real-estate-set-record-investment-in-us-stocks/</loc>
		<lastmod>2025-07-22T18:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/23/canadian-real-estate-to-remain-slow-mortgage-rates-rising-bmo/</loc>
		<lastmod>2025-07-23T17:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/24/canadian-real-estate-building-costs-surge-on-tariffs-labour-crunch/</loc>
		<lastmod>2025-07-24T18:13:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/25/canadian-migration-to-the-u-s-hits-a-high-with-rising-capital-flight/</loc>
		<lastmod>2025-07-25T21:14:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/27/this-weeks-top-stories-canadians-make-record-investment-into-us-stocks-real-estate-to-remain-slow/</loc>
		<lastmod>2025-07-27T18:13:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/28/canadian-steel-tariffs-weaker-demand-higher-home-prices-fewer-jobs/</loc>
		<lastmod>2025-07-28T20:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/29/toronto-new-home-sales-set-another-record-low-prices-rise/</loc>
		<lastmod>2025-07-29T16:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/30/bank-of-canada-holds-rates-a-third-time-cites-inflation-fears/</loc>
		<lastmod>2025-07-30T18:14:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/07/31/canadian-gdp-growth-fictional-rent-fuels-over-1-in-10-more-than-oil/</loc>
		<lastmod>2025-07-31T20:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/01/canadian-job-vacancies-collapse-to-8-year-low-diverging-from-us-bmo/</loc>
		<lastmod>2025-08-01T14:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/03/this-weeks-top-stories-canadian-gdp-driven-by-fake-rents-and-toronto-new-home-sales-crash/</loc>
		<lastmod>2025-08-03T18:13:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/05/canadas-gdp-lags-oecd-as-immigration-led-growth-strategy-backfires/</loc>
		<lastmod>2025-08-05T19:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/06/toronto-real-estate-prices-slip-302k-below-peak-inventory-hits-record/</loc>
		<lastmod>2025-08-06T17:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/07/canadian-insolvencies-rise-to-2010-levels-as-bankruptcies-soar/</loc>
		<lastmod>2025-08-07T19:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/08/canadas-long-term-joblessness-hits-27-year-high-workforce-shrinks/</loc>
		<lastmod>2025-08-08T17:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/10/this-weeks-top-stories-canadas-immigration-stimulus-backfired-and-insolvencies-surge/</loc>
		<lastmod>2025-08-10T17:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/11/canadian-home-sales-to-stay-weak-until-prices-drop-voluntary-or-forced-bmo/</loc>
		<lastmod>2025-08-11T15:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/12/canadas-organized-real-estate-system-dealt-a-blow-in-class-action-settlement/</loc>
		<lastmod>2025-08-12T17:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/13/will-canadians-lose-their-homes-bc-rules-first-nations-owns-6-of-richmond/</loc>
		<lastmod>2025-08-13T19:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/14/canadian-real-estate-faces-immigration-shift-from-tailwind-to-headwind-rbc/</loc>
		<lastmod>2025-08-14T17:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/15/canadian-real-estate-prices-fall-faster-as-sales-rise-with-listings/</loc>
		<lastmod>2025-08-15T18:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/17/this-weeks-top-stories-canadian-real-estate-sales-to-remain-weak-and-industry-dealt-a-blow/</loc>
		<lastmod>2025-08-17T18:15:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/18/canadian-condo-prices-just-kicked-off-a-second-wave-correction/</loc>
		<lastmod>2025-08-18T19:14:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/19/canadian-inflation-actually-accelerated-especially-shelter-food-boc-measures/</loc>
		<lastmod>2025-08-19T19:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/20/canadas-youth-jobless-rate-fueled-by-student-immigration-surge-bmo/</loc>
		<lastmod>2025-08-20T21:13:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/21/torontos-condo-market-is-spiraling-towards-a-hard-landing/</loc>
		<lastmod>2025-08-21T21:15:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/22/canadian-mortgage-originations-rise-27-second-biggest-month-on-record/</loc>
		<lastmod>2025-08-22T21:14:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/24/this-weeks-top-stories-canadian-mortgage-originations-surge-and-torontos-condo-market-collapse/</loc>
		<lastmod>2025-08-24T16:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/25/canadian-mortgage-debt-growing-but-pace-is-still-near-recession-levels/</loc>
		<lastmod>2025-08-25T17:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/26/canadian-real-estate-sellers-canceled-over-1-in-5-listings-record-volume/</loc>
		<lastmod>2025-08-26T19:15:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/27/canada-returns-to-the-office-as-remote-work-shrinks-by-790k/</loc>
		<lastmod>2025-08-27T18:16:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/28/canadas-capital-flight-crisis-record-exit-by-foreign-domestic-investors/</loc>
		<lastmod>2025-08-28T18:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/29/canadian-economy-hits-an-iceberg-government-spending-soars/</loc>
		<lastmod>2025-08-29T19:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/08/31/this-weeks-top-stories-canadian-real-estate-sellers-pull-listings-the-capital-flight-crisis/</loc>
		<lastmod>2025-08-31T19:16:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/02/canadian-economy-in-excess-supply-expected-to-worsen-national-bank/</loc>
		<lastmod>2025-09-02T18:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/03/canadian-real-estate-is-crashing-at-one-of-the-fastest-rates-ever/</loc>
		<lastmod>2025-09-03T20:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/04/toronto-real-estate-sets-inventory-record-prices-down-24-from-highs/</loc>
		<lastmod>2025-09-04T19:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/05/canadian-job-losses-reinforce-confidence-crisis-kill-soft-landing-narrative/</loc>
		<lastmod>2025-09-05T21:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/07/this-weeks-top-stories-canadas-epic-real-estate-bubble-is-popping-soft-landing-unlikely/</loc>
		<lastmod>2025-09-07T18:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/08/toronto-real-estates-long-term-prospects-fade-as-unemployment-nears-400k/</loc>
		<lastmod>2025-09-08T22:14:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/09/bank-of-canada-to-make-3-interest-rate-cuts-before-spring-2026-bmo/</loc>
		<lastmod>2025-09-09T18:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/10/canadians-are-less-satisfied-with-life-which-province-is-worst/</loc>
		<lastmod>2025-09-10T21:13:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/11/how-canadas-population-growth-hid-its-rising-household-debt-burden/</loc>
		<lastmod>2025-09-11T19:13:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/12/canadian-big-six-mortgage-arrears-surge-above-national-average/</loc>
		<lastmod>2025-09-12T20:15:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/14/this-weeks-top-stories-canadian-mortgage-arrears-surge-and-toronto-unemployment-hits-392k/</loc>
		<lastmod>2025-09-14T19:16:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/15/canadian-real-estate-sees-sharpest-price-drop-in-a-year-record-inventory/</loc>
		<lastmod>2025-09-15T18:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/16/canadian-inflation-accelerates-lofty-core-makes-boc-cuts-difficult/</loc>
		<lastmod>2025-09-16T17:16:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/16/canadian-governments-borrow-most-since-pandemic-record-bank-demand/</loc>
		<lastmod>2025-09-16T21:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/17/bank-of-canada-cuts-on-trade-fears-heres-what-historically-follows/</loc>
		<lastmod>2025-09-17T20:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/18/canadian-real-estate-went-from-a-shortage-to-surplus-starts-plunge/</loc>
		<lastmod>2025-09-18T23:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/21/this-weeks-top-stories-canadian-real-estates-excess-supply-and-a-government-borrowing-spree/</loc>
		<lastmod>2025-09-21T17:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/22/canadian-real-estate-bubble-may-resume-if-boc-cuts-too-fast-bmo/</loc>
		<lastmod>2025-09-22T18:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/23/canadians-leaving-to-create-startups-abroad-real-estate-is-a-big-reason/</loc>
		<lastmod>2025-09-23T19:19:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/23/toronto-new-home-sales-plunge-to-new-low-as-condo-demand-collapses/</loc>
		<lastmod>2025-09-23T22:17:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/24/toronto-real-estates-latest-record-distressed-listings/</loc>
		<lastmod>2025-09-24T21:16:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/25/canadian-real-estate-prices-near-all-time-highs-except-ontario-and-bc/</loc>
		<lastmod>2025-09-25T19:14:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/26/canadians-moving-abroad-hits-a-new-record-as-the-country-fails-to-compete/</loc>
		<lastmod>2025-09-26T19:14:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/28/this-weeks-top-stories-canadian-real-estate-bubble-resumes-more-canadians-moving-abroad/</loc>
		<lastmod>2025-09-28T17:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/29/canadas-population-still-on-track-for-fastest-growth-since-the-80s/</loc>
		<lastmod>2025-09-29T20:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/09/30/canadian-renters-outperform-homeowners-in-most-cities-even-in-toronto/</loc>
		<lastmod>2025-09-30T23:15:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/01/canadian-employment-deceiving-more-people-compete-for-fewer-jobs-nbf/</loc>
		<lastmod>2025-10-01T19:14:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/02/bank-of-canada-admits-cuts-wont-fix-the-economy-in-meeting-notes/</loc>
		<lastmod>2025-10-02T18:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/03/toronto-real-estate-prices-plunge-further-inventory-hits-new-high/</loc>
		<lastmod>2025-10-03T18:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/05/this-weeks-top-stories-canadian-real-estate-underperformed-population-growth-still-brisk/</loc>
		<lastmod>2025-10-05T18:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/06/bank-of-canada-just-made-its-most-disturbing-speech-in-a-generation/</loc>
		<lastmod>2025-10-06T22:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/07/canadian-gold-imports-see-historic-surge-as-investors-brace-for-turmoil/</loc>
		<lastmod>2025-10-07T19:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/08/canadian-real-estate-resembles-us-bubble-after-perfect-storm-bmo/</loc>
		<lastmod>2025-10-08T20:15:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/09/if-torontos-condo-market-is-a-bubble-what-the-heck-is-halifax/</loc>
		<lastmod>2025-10-09T02:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/09/canadian-mortgage-delinquencies-soar-and-its-worse-than-it-looks/</loc>
		<lastmod>2025-10-09T18:15:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/10/canadas-job-market-mismatch-1-in-3-new-immigrants-overqualified/</loc>
		<lastmod>2025-10-10T15:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/10/canadas-job-market-is-booming-if-you-ignore-the-unadjusted-data/</loc>
		<lastmod>2025-10-10T21:14:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/12/this-weeks-top-stories-canadian-real-estate-resembles-us-bubble-investors-see-major-risk-event/</loc>
		<lastmod>2025-10-12T19:15:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/14/canadian-real-estate-developers-pull-back-as-risks-rise-faster-than-incentives/</loc>
		<lastmod>2025-10-14T19:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/15/canadian-new-vehicle-sales-flash-another-recession-sign/</loc>
		<lastmod>2025-10-15T19:16:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/16/canadian-real-estate-sellers-flooded-the-market-with-record-inventory/</loc>
		<lastmod>2025-10-16T15:15:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/18/canada-sees-foreign-investment-surge-but-they-want-debt-in-us-dollars/</loc>
		<lastmod>2025-10-18T09:11:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/20/this-weeks-top-stories-record-canadian-real-estate-sellers-more-recession-signs/</loc>
		<lastmod>2025-10-20T11:44:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/21/canadian-mortgages-now-a-record-8-in-10-dollars-of-household-debt/</loc>
		<lastmod>2025-10-21T11:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/21/canadian-inflation-soars-but-more-alarming-is-what-wasnt-mentioned/</loc>
		<lastmod>2025-10-21T17:56:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/22/canadian-mortgages-backed-by-inflated-home-values-zero-equity/</loc>
		<lastmod>2025-10-22T16:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/23/canadian-real-estate-to-see-volatility-rbc-eases-soft-landing-position/</loc>
		<lastmod>2025-10-23T23:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/24/canada-is-about-to-see-gold-become-its-second-largest-export-bmo/</loc>
		<lastmod>2025-10-24T17:27:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/26/this-weeks-top-stories-canadian-real-estates-inflated-equity-problem-and-surging-gold/</loc>
		<lastmod>2025-10-26T18:14:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/27/canadian-immigration-didnt-tank-or-help-the-economy-cibc/</loc>
		<lastmod>2025-10-27T21:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/28/canadian-private-sector-business-count-falls-to-2023-low/</loc>
		<lastmod>2025-10-28T19:16:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/29/canada-uses-us-bubble-scheme-to-transfer-investor-risk-to-home-buyers/</loc>
		<lastmod>2025-10-29T17:17:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/29/bank-of-canada-cuts-rates-prioritizing-survival-over-inflation-control/</loc>
		<lastmod>2025-10-29T23:14:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/30/toronto-only-saw-53-new-condo-sales-but-prices-climbed-heres-why/</loc>
		<lastmod>2025-10-30T19:15:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/10/31/canadas-mortgage-arrears-are-now-growing-faster-than-the-90s/</loc>
		<lastmod>2025-10-31T19:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/02/this-weeks-top-stories-canada-shifts-real-estate-risk-to-first-time-buyers-mortgage-arrears-rise/</loc>
		<lastmod>2025-11-02T18:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/04/canadas-low-scrutiny-immigrant-mortgages-rebrand-risk-as-inclusion/</loc>
		<lastmod>2025-11-04T00:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/04/canadas-rich-havent-relied-this-little-on-work-since-the-1980s/</loc>
		<lastmod>2025-11-04T20:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/05/toronto-real-estate-prices-slip-further-weak-sales-meet-record-inventory/</loc>
		<lastmod>2025-11-05T17:17:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/05/vancouver-real-estate-prices-slide-as-inventory-hits-13-year-high/</loc>
		<lastmod>2025-11-05T21:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/06/canada-cuts-borrowing-despite-bigger-deficit-heres-what-theyre-hiding/</loc>
		<lastmod>2025-11-06T20:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/07/canadian-employment-is-so-strong-that-people-are-getting-two-jobs/</loc>
		<lastmod>2025-11-07T18:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/07/fitch-warns-canada-of-credit-downgrade-thats-bad-news-for-mortgages/</loc>
		<lastmod>2025-11-07T22:15:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/09/this-weeks-top-stories-fitch-warns-canada-faces-credit-downgrade-low-scrutiny-mortgages/</loc>
		<lastmod>2025-11-09T18:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/10/bank-of-canada-survey-puts-1-in-3-odds-of-recession-by-march-2026/</loc>
		<lastmod>2025-11-10T18:13:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/11/canadian-job-growth-is-all-in-on-big-business-amplifying-risks-bmo/</loc>
		<lastmod>2025-11-11T19:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/12/canadian-insolvencies-accelerate-hit-highest-level-since-2009/</loc>
		<lastmod>2025-11-12T21:14:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/13/canadian-us-real-estate-affordability-improved-still-near-record-lows-bmo/</loc>
		<lastmod>2025-11-13T19:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/15/canadian-investor-mortgage-crackdown-set-for-2026-delayed-3-years/</loc>
		<lastmod>2025-11-15T00:17:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/16/this-weeks-top-stories-canadian-investor-mortgage-crackdown-affordability-near-record-lows/</loc>
		<lastmod>2025-11-16T19:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/17/canadian-real-estate-prices-fall-to-4-year-low-as-inventory-sets-record/</loc>
		<lastmod>2025-11-17T16:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/17/canadian-inflation-remains-sticky-homeowners-renters-see-costs-soar/</loc>
		<lastmod>2025-11-17T20:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/18/canadian-household-debt-surges-but-it-wasnt-due-to-mortgages/</loc>
		<lastmod>2025-11-18T20:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/19/canadian-housing-starts-drop-46k-homes-in-just-one-month/</loc>
		<lastmod>2025-11-19T19:17:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/20/canadians-tap-heloc-debt-at-the-fastest-rate-since-2012/</loc>
		<lastmod>2025-11-20T16:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/21/canadas-retail-sales-fell-but-it-was-mostly-one-category/</loc>
		<lastmod>2025-11-21T20:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/23/this-weeks-top-stories-canadian-real-estate-prices-hit-4-year-low-and-heloc-debt-surges/</loc>
		<lastmod>2025-11-23T16:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/24/canadian-banks-see-record-mortgage-contraction-as-arrears-rise/</loc>
		<lastmod>2025-11-24T18:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/25/toronto-new-home-sales-hit-a-record-low-for-a-13th-month/</loc>
		<lastmod>2025-11-25T18:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/26/canadian-real-estate-nears-end-of-60-year-cycle-transit-use-is-the-risk-sign/</loc>
		<lastmod>2025-11-26T15:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/26/canadian-house-costs-outpace-land-only-2nd-time-in-recorded-history/</loc>
		<lastmod>2025-11-26T21:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/27/canadians-would-pay-75-more-interest-with-40-year-mortgages-pbo/</loc>
		<lastmod>2025-11-27T19:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/29/canadian-gdp-surged-entirely-due-to-superficial-accounting-mechanics/</loc>
		<lastmod>2025-11-29T00:16:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/11/30/this-weeks-top-stories-canadian-real-estates-mega-cycle-gdps-superficial-gains/</loc>
		<lastmod>2025-11-30T20:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/01/canadian-mortgage-arrears-climb-to-highest-since-2020/</loc>
		<lastmod>2025-12-01T20:16:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/02/canadian-real-estate-spillover-rents-explode-higher-in-cheap-cities/</loc>
		<lastmod>2025-12-02T21:16:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/03/toronto-real-estate-prices-down-25-record-inventory-flood-continues/</loc>
		<lastmod>2025-12-03T18:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/04/vancouver-real-estate-prices-dip-inventory-surges-to-13-year-high/</loc>
		<lastmod>2025-12-04T02:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/04/canada-cuts-housing-budget-56-despite-crisis-defunds-cmhc-pbo/</loc>
		<lastmod>2025-12-04T20:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/05/canadas-job-boom-how-8k-jobs-lost-in-reality-added-54k-jobs-on-paper/</loc>
		<lastmod>2025-12-05T21:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/07/this-weeks-top-stories-canadian-mortgage-arrears-up-63-cmhc-defunding/</loc>
		<lastmod>2025-12-07T19:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/08/canadian-inflation-overstates-rental-price-growth-warns-cibc/</loc>
		<lastmod>2025-12-08T23:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/09/canadian-real-estate-investors-captured-nearly-75-of-ownership-growth/</loc>
		<lastmod>2025-12-09T21:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/10/global-households-are-deleveraging-canada-is-loading-up-on-debt-bmo/</loc>
		<lastmod>2025-12-10T17:17:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/10/bank-of-canada-confirms-rate-floor-and-its-bad-news-for-real-estate/</loc>
		<lastmod>2025-12-10T18:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/11/canadian-household-debt-now-mirrors-us-before-the-2008-crash/</loc>
		<lastmod>2025-12-11T20:16:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/12/canadian-mortgage-rates-set-to-surge-with-global-bond-yield-repricing/</loc>
		<lastmod>2025-12-12T18:16:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/14/this-weeks-top-stories-canadian-real-estate-investors-gain-ground-mortgage-rates-set-to-climb/</loc>
		<lastmod>2025-12-14T18:17:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/15/canadian-real-estate-prices-accelerate-declines-into-winter/</loc>
		<lastmod>2025-12-15T20:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/16/canadas-inflation-problem-shifts-as-shelter-slows-grocery-rips-bmo/</loc>
		<lastmod>2025-12-16T20:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/16/canadas-worker-shortage-is-now-a-surplus-job-vacancies-hit-7-year-low/</loc>
		<lastmod>2025-12-16T21:33:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/17/canadian-population-growth-plunges-to-record-low/</loc>
		<lastmod>2025-12-17T21:43:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/18/canadian-job-vacancies-ontario-hiring-slump-drags-national-rate/</loc>
		<lastmod>2025-12-18T21:49:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/18/toronto-new-home-sales-hit-a-new-low-prices-down-24-from-peak/</loc>
		<lastmod>2025-12-18T21:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/20/canadians-flee-in-record-volumes-a-warning-seen-only-twice-before/</loc>
		<lastmod>2025-12-20T21:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/21/this-weeks-top-stories-canadians-flee-in-record-numbers-hiring-hits-7-year-low/</loc>
		<lastmod>2025-12-21T20:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/22/canadian-housing-affordability-improves-still-near-90s-peak-rbc/</loc>
		<lastmod>2025-12-22T19:18:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/23/canadian-gdp-reverses-months-of-gains-broadest-erosion-since-pandemic/</loc>
		<lastmod>2025-12-23T21:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/24/canadian-mortgage-debt-surges-to-2-4-trillion-fastest-pace-since-2021/</loc>
		<lastmod>2025-12-24T19:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/28/this-weeks-top-stories-canadian-housing-affordability-still-near-1990s-bubble-peak-gdp-gains-reverse/</loc>
		<lastmod>2025-12-28T20:17:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/29/canadian-heloc-debt-climbs-to-179b-the-highest-level-since-2019/</loc>
		<lastmod>2025-12-29T21:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/30/canadian-mortgage-arrears-hit-a-5-year-high-banks-shrink-books/</loc>
		<lastmod>2025-12-30T20:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2025/12/31/bis-warns-government-debt-is-so-large-its-distorting-credit-markets/</loc>
		<lastmod>2025-12-31T22:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/02/canadian-rental-vacancies-soar-but-rents-still-outpace-wages-cmhc/</loc>
		<lastmod>2026-01-02T21:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/04/this-weeks-top-stories-canadian-mortgage-delinquencies-surge-bis-warns-of-government-debt-flood/</loc>
		<lastmod>2026-01-04T17:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/05/canadian-temporary-resident-applications-plunge-india-drops-ukraine-triples/</loc>
		<lastmod>2026-01-05T23:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/06/canadian-affordability-crisis-to-continue-through-2026-rbc/</loc>
		<lastmod>2026-01-06T22:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/canadian-incomes-surged-but-71-expect-life-to-worsen-in-2026-mnp/</loc>
		<lastmod>2026-01-13T00:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/this-weeks-top-stories-canadas-unemployment-soars-hot-trade-undermines-boc/</loc>
		<lastmod>2026-01-13T00:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/canadas-jobless-count-soars-by-73k-second-worst-spike-since-2020/</loc>
		<lastmod>2026-01-13T00:17:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/canadas-trade-demand-is-running-hot-undermining-boc-rate-cuts/</loc>
		<lastmod>2026-01-13T00:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/toronto-real-estate-sales-hit-25-year-low-inventory-sets-new-record/</loc>
		<lastmod>2026-01-13T00:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/13/canadian-rental-prices-just-posted-their-sharpest-drop-in-4-years/</loc>
		<lastmod>2026-01-13T18:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/14/canadian-urbanization-stalls-more-people-snub-big-cities/</loc>
		<lastmod>2026-01-14T20:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/15/canadian-real-estate-losses-grow-as-correction-enters-second-leg/</loc>
		<lastmod>2026-01-15T21:15:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/16/canadian-real-estate-prices-back-to-2017-levels-after-inflation-bmo/</loc>
		<lastmod>2026-01-16T17:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/18/this-weeks-top-stories-canadian-real-estate-correction-deepens-outlook-worsens/</loc>
		<lastmod>2026-01-18T20:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/19/canadas-inflation-accelerates-rents-post-4th-biggest-jump-since-1988/</loc>
		<lastmod>2026-01-19T20:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/20/more-canadian-businesses-plan-job-cuts-now-than-during-the-pandemic-boc/</loc>
		<lastmod>2026-01-20T20:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/21/canadian-household-debt-hits-record-3-2t-but-growth-is-mostly-interest/</loc>
		<lastmod>2026-01-21T21:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/22/canadians-are-leaving-in-record-numbers-most-are-prime-aged-workers/</loc>
		<lastmod>2026-01-22T22:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/23/toronto-real-estate-developers-just-had-the-worst-year-in-4-decades/</loc>
		<lastmod>2026-01-23T20:17:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/23/canadian-building-investment-soars-on-taxpayer-funded-rental-bubble/</loc>
		<lastmod>2026-01-23T22:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/25/this-weeks-top-stories-canadians-flee-in-record-numbers-job-cut-plans-surge/</loc>
		<lastmod>2026-01-25T19:15:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/26/canadian-developers-sit-on-record-unsold-homes-half-in-toronto-vancouver/</loc>
		<lastmod>2026-01-26T21:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/27/canadian-household-debt-is-still-a-risk-to-financial-stability-imf/</loc>
		<lastmod>2026-01-27T21:15:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/28/canadians-already-in-a-per-capita-recession-boc-rewrites-history/</loc>
		<lastmod>2026-01-28T22:17:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/29/canada-is-in-for-a-major-population-growth-adjustment-bmo/</loc>
		<lastmod>2026-01-29T18:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/30/nova-scotia-sees-largest-home-price-drop-in-canada-pei-quebec-rise/</loc>
		<lastmod>2026-01-30T00:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/01/30/canadian-gdp-growth-23-smaller-than-boc-forecast-just-2-days-ago/</loc>
		<lastmod>2026-01-30T21:17:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/01/this-weeks-top-stories-canadian-real-estate-developers-record-inventory-nova-scotia-prices-plunge/</loc>
		<lastmod>2026-02-01T18:15:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/02/canadian-mortgage-arrears-rate-hits-a-5-year-high/</loc>
		<lastmod>2026-02-02T19:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/03/canadian-job-vacancies-alberta-surges-ontario-matches-nunavut-lows/</loc>
		<lastmod>2026-02-03T18:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/04/bank-of-canada-explains-toronto-condos-describes-a-ponzi-scheme/</loc>
		<lastmod>2026-02-04T01:16:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/04/toronto-real-estate-crash-prices-down-27-inventory-hits-a-new-high/</loc>
		<lastmod>2026-02-04T22:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/05/ontario-mortgage-arrears-surge-4x-highest-rate-since-2012/</loc>
		<lastmod>2026-02-05T21:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/05/vancouver-real-estate-enters-second-wave-correction-inventory-soars/</loc>
		<lastmod>2026-02-05T23:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/07/canadian-job-losses-10x-larger-than-adjusted-data-shows/</loc>
		<lastmod>2026-02-07T00:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/08/this-weeks-top-stories-boc-explains-toronto-condos-as-a-ponzi-mortgage-arrears-soar/</loc>
		<lastmod>2026-02-08T19:18:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/09/canadian-real-estate-supply-keeps-prices-on-a-downtrend-rbc/</loc>
		<lastmod>2026-02-09T19:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/10/nova-scotia-launches-predatory-2-down-payment-scheme-as-prices-plunge/</loc>
		<lastmod>2026-02-10T02:17:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/10/the-bank-of-canadas-economy-things-get-worse-then-you-die/</loc>
		<lastmod>2026-02-10T23:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/11/more-canes-than-cribs-toronto-population-falls-more-seniors-than-kids/</loc>
		<lastmod>2026-02-11T22:18:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/12/canadian-long-term-unemployment-at-90s-levels-6-months-to-find-a-job/</loc>
		<lastmod>2026-02-12T22:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/14/canadas-productivity-crisis-is-the-norm-ai-gains-are-overhyped-bmo/</loc>
		<lastmod>2026-02-14T08:09:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/16/this-weeks-top-stories-canadas-long-term-unemployment-back-to-90s-levels-toronto-ages-fast/</loc>
		<lastmod>2026-02-16T15:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/18/canada-changed-how-it-measures-phone-bills-now-inflation-is-plunging/</loc>
		<lastmod>2026-02-18T01:15:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/19/canadian-real-estate-prices-exit-holding-pattern-dive-towards-hard-landing/</loc>
		<lastmod>2026-02-19T00:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/19/canadian-housing-is-too-expensive-to-buy-not-profitable-to-build-cibc/</loc>
		<lastmod>2026-02-19T21:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/20/most-canadian-provinces-see-home-prices-rise-two-hit-record-highs/</loc>
		<lastmod>2026-02-20T23:17:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/22/this-weeks-top-stories-canadian-real-estates-hard-landing-phone-bills-distort-inflation/</loc>
		<lastmod>2026-02-22T20:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/23/toronto-mortgage-delinquencies-hit-13-year-high-vancouver-quietly-follows/</loc>
		<lastmod>2026-02-23T20:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/24/toronto-new-home-sales-hit-record-low-76-months-of-supply-counting/</loc>
		<lastmod>2026-02-24T20:14:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/24/canadians-fear-inflation-rising-credit-cards-used-as-cash-flow-transunion/</loc>
		<lastmod>2026-02-24T21:17:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/25/canadas-business-churn-near-record-closures-state-backed-growth/</loc>
		<lastmod>2026-02-25T22:16:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/26/canada-uses-accounting-trick-to-hit-delayed-immigration-target-pbo/</loc>
		<lastmod>2026-02-26T19:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/02/27/canadian-mortgage-delinquencies-just-made-a-rare-historic-jump/</loc>
		<lastmod>2026-02-27T21:16:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/01/this-weeks-top-stories-canada-sees-rare-mortgage-delinquency-surge-delays-immigration-reduction/</loc>
		<lastmod>2026-03-01T20:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/02/canadas-rental-crisis-moves-east-nova-scotia-now-least-affordable-province/</loc>
		<lastmod>2026-03-02T22:14:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/03/canadian-housing-affordability-makes-gains-still-far-out-of-reach-nbf/</loc>
		<lastmod>2026-03-03T22:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/04/bank-of-canada-is-chasing-its-own-tail-warns-bank-of-canada/</loc>
		<lastmod>2026-03-04T22:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/05/toronto-real-estate-sales-fall-to-new-lows-prices-tick-higher/</loc>
		<lastmod>2026-03-05T18:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/07/canadas-public-spending-spree-means-higher-mortgages-for-longer/</loc>
		<lastmod>2026-03-07T00:17:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/08/this-weeks-top-stories-canadas-housing-crisis-deepens-toronto-home-sales-hit-new-lows/</loc>
		<lastmod>2026-03-08T19:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/09/toronto-condos-in-recession-filled-with-supply-no-one-wants-bmo/</loc>
		<lastmod>2026-03-09T20:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/10/canadas-mortgage-delinquency-surge-now-resembles-us-housing-crash/</loc>
		<lastmod>2026-03-10T21:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/11/canadas-rental-bubble-moves-east-halifax-nears-toronto-prices/</loc>
		<lastmod>2026-03-11T22:17:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/12/canadian-building-intentions-surge-mostly-government-spending/</loc>
		<lastmod>2026-03-12T20:16:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/13/canadian-unemployment-hits-recession-levels-private-sector-stalls/</loc>
		<lastmod>2026-03-13T19:15:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/15/this-weeks-top-stories-canadas-supersized-mortgage-defaults-torontos-unwanted-condos/</loc>
		<lastmod>2026-03-15T19:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/16/canadian-inflation-to-surge-boc-braces-for-post-carbon-tax-normalization/</loc>
		<lastmod>2026-03-16T21:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/17/canadian-real-estate-prices-see-first-increase-in-8-months-sales-fall/</loc>
		<lastmod>2026-03-17T19:17:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/18/the-boc-rate-hold-brought-to-you-by-the-letter-u-for-uncertain/</loc>
		<lastmod>2026-03-18T21:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/19/canada-sees-record-population-drop-immigration-policies-already-easing/</loc>
		<lastmod>2026-03-19T21:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/20/canadian-household-borrowing-is-slowing-and-its-a-warning-sign/</loc>
		<lastmod>2026-03-20T21:15:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/22/this-weeks-top-stories-bank-of-canada-is-uncertain-canadians-brace-for-inflation-surge/</loc>
		<lastmod>2026-03-22T18:15:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/23/canadian-real-estates-biggest-crash-since-the-90s-to-worsen-bmo/</loc>
		<lastmod>2026-03-23T19:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/25/canadas-happiness-plunge-among-the-worst-places-for-young-adults/</loc>
		<lastmod>2026-03-25T00:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/25/canadian-regulator-secretly-threatens-banks-over-risky-mortgages-ahead-of-2027/</loc>
		<lastmod>2026-03-25T22:15:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/26/canadian-banks-7b-side-hustle-involuntary-real-estate-liquidator/</loc>
		<lastmod>2026-03-26T20:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/27/ontario-launches-1-3b-toronto-condo-developer-bailout-warns-bank/</loc>
		<lastmod>2026-03-27T19:17:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/29/this-weeks-top-stories-canadas-happiness-rank-spirals-ontarios-condo-bailout/</loc>
		<lastmod>2026-03-29T19:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/30/canadian-banks-see-mortgage-delinquencies-hit-2015-recession-levels/</loc>
		<lastmod>2026-03-30T20:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/03/31/canadian-gdp-grew-mostly-an-illusion-due-to-inflation-suppression/</loc>
		<lastmod>2026-03-31T20:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/01/ontario-mortgage-arrears-rate-tops-canadian-average-a-rare-warning/</loc>
		<lastmod>2026-04-01T18:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/02/canadian-gas-prices-see-record-surge-inflation-to-follow-bmo/</loc>
		<lastmod>2026-04-02T17:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/02/vancouver-real-estate-prices-rise-as-inventory-hits-13-year-high/</loc>
		<lastmod>2026-04-02T21:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/05/this-weeks-top-stories-canadian-mortgage-arrears-hit-recession-levels-record-gas-price-surge/</loc>
		<lastmod>2026-04-05T20:14:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/06/canadas-shrinking-population-most-losses-in-ontario-alberta-grows/</loc>
		<lastmod>2026-04-06T21:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/07/toronto-real-estate-prices-climb-as-inventory-remains-near-highs/</loc>
		<lastmod>2026-04-07T22:15:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/08/ontarios-hst-rebate-is-driving-new-home-prices-higher-without-sales/</loc>
		<lastmod>2026-04-08T23:16:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/09/canadian-variable-rate-mortgages-surge-as-boc-recreates-renewal-trap/</loc>
		<lastmod>2026-04-09T22:14:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/10/canadians-face-fewer-layoffs-than-normal-but-good-luck-finding-a-job/</loc>
		<lastmod>2026-04-10T21:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/12/this-weeks-top-stories-canadians-flock-to-variable-rate-mortgages-ontarios-builder-bailout/</loc>
		<lastmod>2026-04-12T19:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/13/canadian-job-market-booms-in-west-slumps-in-east-gap-to-widen-bmo/</loc>
		<lastmod>2026-04-13T19:15:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/14/canadian-building-permits-plunge-fewer-homes-planned/</loc>
		<lastmod>2026-04-14T21:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/15/canadas-soaring-wage-growth-not-reality-its-a-statistical-quirk-bmo/</loc>
		<lastmod>2026-04-15T22:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/16/canadian-real-estate-sales-hit-17-year-low-but-prices-keep-climbing/</loc>
		<lastmod>2026-04-16T21:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/17/canadian-real-estate-industry-cuts-forecast-prices-to-stagnate-2-more-years/</loc>
		<lastmod>2026-04-17T16:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/19/this-weeks-top-stories-canadian-real-estate-industry-cuts-forecast-western-canadas-job-boom/</loc>
		<lastmod>2026-04-19T19:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/20/canadian-inflation-soars-on-record-gas-price-surge-april-will-be-worse/</loc>
		<lastmod>2026-04-20T19:13:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/20/canadian-housing-starts-fall-as-vancouver-slumps-toronto-still-lags/</loc>
		<lastmod>2026-04-20T22:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/21/canadian-household-debt-outpacing-wages-again-structural-trap-deepens/</loc>
		<lastmod>2026-04-21T22:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/22/canadian-businesses-brace-for-5-years-of-high-inflation-boc-survey/</loc>
		<lastmod>2026-04-22T19:18:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/23/canadian-real-estate-crash-overstated-nova-scotia-up-13k-in-a-month/</loc>
		<lastmod>2026-04-23T21:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/24/canadian-banks-see-mortgage-arrears-surge-89-from-record-lows/</loc>
		<lastmod>2026-04-24T19:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/26/this-weeks-top-stories-canadian-mortgage-arrears-up-89-debt-outpaces-wages/</loc>
		<lastmod>2026-04-26T18:13:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/27/canadas-rich-are-defaulting-on-mortgages-at-2x-the-rate-of-smaller-loans/</loc>
		<lastmod>2026-04-27T20:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/28/canada-ramps-up-temporary-visa-approvals-despite-fading-demand/</loc>
		<lastmod>2026-04-28T20:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/29/bank-of-canada-downgrades-housing-warns-of-small-condo-glut/</loc>
		<lastmod>2026-04-29T20:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/04/30/canadian-gdp-grew-most-industries-did-not-credit-rises-while-jobs-fall/</loc>
		<lastmod>2026-04-30T19:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/05/01/nearly-1-in-19-greater-toronto-rental-units-sit-vacant-more-on-the-way/</loc>
		<lastmod>2026-05-01T18:28:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://gainhamgroup.com/2026/05/01/canadian-business-closures-surge-1-in-20-shutter-in-a-month/</loc>
		<lastmod>2026-05-01T22:14:07+00:00</lastmod>
	</url>
</urlset>
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