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	<title><![CDATA[james cullen Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/james+cullen.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to james cullen]]></description>
	<s:counts start="0" returned="19" found="19" />
	<language>en-us</language>
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		<title><![CDATA[Low Mortgage Rates Help Speculators More than Economy]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F164633-low-mortgage-rates-help-speculators-more-than-economy%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  In a note to file under the &#8220;Playing for Time&#8221; theme, the Curious Capitalist notes: First American CoreLogic has taken a look at the effect of the government&#8217;s efforts to drive down mortgage interest rates, which, among other things, makes for easier refinancing. According to the...]]></description>
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		<pubDate>Sun, 04 Oct 2009 12:53:39 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
	</item>
	<item>
		<title><![CDATA[A Concise Book Review - Goldman Sachs: The Culture of Success]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F152803-a-concise-book-review-goldman-sachs-the-culture-of-success%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  This isn&#8217;t going to be a typical book review, because my thoughts on the book can be summed up in a concise manner, and I think the real story is much more relevant in regards to current events. Goldman Sachs: The Culture of Success is written...]]></description>
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		<pubDate>Fri, 31 Jul 2009 02:18:21 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/goldman+sachs+group+inc..html"><![CDATA[Goldman Sachs Group Inc.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">GS</category>
		<category domain="tickers">GS</category>
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		<title><![CDATA[USG Earnings: Curb Your Enthusiasm]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F151573-usg-earnings-curb-your-enthusiasm%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  If you needed something to temper the bullishness that&#8217;s gripped the markets, here it is. Wallboard maker USG reported second quarter earnings Thursday. From the conference call:     Looking ahead at the remainder of 2009 and into next year, we are not expecting...]]></description>
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		<pubDate>Mon, 27 Jul 2009 09:16:17 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/usg+corp..html"><![CDATA[USG Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">USG</category>
		<category domain="tickers">USG</category>
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	<item>
		<title><![CDATA[Don't Short the Ratings Agencies]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F151178-don-t-short-the-ratings-agencies%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  This is a long overdue follow-up to a previous post on whether or not the ratings agencies are good candidates to be sold short. CalPERS is suing Moody&#8217;s MCO, S&P, and Fitch, saying that their ratings &#8220;proved to be wildly inaccurate and unreasonably high.&#8221; Hindsight is...]]></description>
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		<pubDate>Fri, 24 Jul 2009 08:04:04 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/moody%2527s+corp..html"><![CDATA[Moody's Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/mcgraw-hill+companies.html"><![CDATA[McGraw-Hill Companies]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MHP</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MCO</category>
		<category domain="tickers">MHP,MCO</category>
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		<title><![CDATA[Accenture Earnings Review: Stock Should Outperform Over Time]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F145901-accenture-earnings-review-stock-should-outperform-over-time%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  I covered earnings for Accenture ACN over at AOL Money + Finance, and want to use this opportunity to dive more into the conference call and prospects for the stock. First, the numbers were pretty strong, with the main drag being currency-related. From the earnings write-up...]]></description>
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		<pubDate>Mon, 29 Jun 2009 01:29:57 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/india.html"><![CDATA[India]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/accenture+ltd..html"><![CDATA[Accenture Ltd.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">ACN</category>
		<category domain="tickers">ACN</category>
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		<title><![CDATA[USG: Supply Is High, Demand Is Low and Pricing Is Still Improving]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F133219-usg-supply-is-high-demand-is-low-and-pricing-is-still-improving%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  One aspect of my investing experience I feel I don&#8217;t talk about enough is the Boston College Investment Club (BCIC), where I am the Portfolio Manager. With 35 positions totaling about $200,000 and a very democratic process, being nimble is difficult and while that&#8217;s frustrating at...]]></description>
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		<pubDate>Sun, 26 Apr 2009 10:36:47 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/materials%252findustrials.html"><![CDATA[Materials/Industrials]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/usg+corp..html"><![CDATA[USG Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">USG</category>
		<category domain="tickers">USG</category>
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		<title><![CDATA[Stressed Valuation of Entertainment Properties]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F125592-stressed-valuation-of-entertainment-properties%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  As was discussed in my opening write-up on Entertainment Properties EPR, completely writing off all non-core assets to leave only the theater business leaves assets and liabilities essentially equal; no equity remains. While writing about $1.3 billion in real assets down to zero might be useful...]]></description>
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		<pubDate>Thu, 12 Mar 2009 05:27:03 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/entertainment+properties+trust.html"><![CDATA[Entertainment Properties Trust]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">EPR</category>
		<category domain="tickers">EPR</category>
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		<title><![CDATA[Decreasing Risk, Increasing Patience with my Primus Holdings]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F122218-decreasing-risk-increasing-patience-with-my-primus-holdings%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  In my last portfolio repositioning in July 2008, I first made the decision to aggressively move up in capital structure, both in terms of asset allocation and how I allocate time analyzing securities. This is a decision I have regularly revisited, but with how the macro...]]></description>
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		<pubDate>Tue, 24 Feb 2009 01:48:08 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
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		<title><![CDATA[What Value Lies in Primus Guaranty?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F119235-what-value-lies-in-primus-guaranty%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  The other day, Primus Guaranty released its earnings &#8211; I still own both the holding company's debt PRD and the stock PRS. As background, Primus Guaranty is a holding company with a subsidiary (Primus Financial Products, or PFP) that was formerly an AAA/Aaa-rated counterparty selling credit...]]></description>
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		<pubDate>Sun, 08 Feb 2009 10:22:54 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
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		<title><![CDATA[Freeport McMoRan Earnings: Insight into Copper and Gold Demand]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F117780-freeport-mcmoran-earnings-insight-into-copper-and-gold-demand%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  Leading copper miner Freeport McMoRan FCX has been discussed here several times recently as part of a tracking of infrastructure capital spending. Its recent earnings release and conference call offer greater insight not only on that, but also on the demand situation for copper (an important...]]></description>
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		<pubDate>Sun, 01 Feb 2009 08:33:02 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/gold+%2526+precious+metals.html"><![CDATA[Gold & Precious Metals]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/freeport-mcmoran+copper+%2526+gold+inc..html"><![CDATA[Freeport-McMoRan Copper & Gold Inc.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FCX</category>
		<category domain="tickers">FCX</category>
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		<title><![CDATA[Bank Solvency: Who Can We Believe?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F117307-bank-solvency-who-can-we-believe%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  A week ago, I made a quick post about bank solvency after hearing FDIC Chair Sheila Bair say that "98% of banks" are well-capitalized by the regulatory definition of Tier 1 capital (6% or greater). How well has this definition functioned in the real world? Consider...]]></description>
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		<pubDate>Thu, 29 Jan 2009 05:13:54 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/bank+of+america+corp..html"><![CDATA[Bank of America Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">BAC</category>
		<category domain="tickers">BAC</category>
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		<title><![CDATA[In Weak Environment, Bed Bath & Beyond Still a Consistent Performer]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F114551-in-weak-environment-bed-bath-beyond-still-a-consistent-performer%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  Home goods retailer Bed Bath & Beyond BBBY released earnings last week, coming in on the higher end of the range given the first week of December. Total sales were down just under 1% looking at quarterly comparisons, and same-store comps clocked in down more than...]]></description>
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		<pubDate>Tue, 13 Jan 2009 05:27:43 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/retail.html"><![CDATA[Retail]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/bed%252c+bath+%2526+beyond+inc..html"><![CDATA[Bed, Bath & Beyond Inc.]]></category>
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		<title><![CDATA[Is Convertible Stock the Smartest Way to Own Bank of America?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F114550-is-convertible-stock-the-smartest-way-to-own-bank-of-america%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  Note: This article is part of a series I contributed to on strategies individual investors can use to manage risk while still capturing solid returns. Part I is here, and Part II is linked to below. Last time, we discussed how investors willing to analyze opportunities...]]></description>
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		<pubDate>Tue, 13 Jan 2009 05:20:32 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/bank+of+america+corp..html"><![CDATA[Bank of America Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">BAC</category>
		<category domain="tickers">BAC</category>
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		<title><![CDATA[The Wisdom of Convertible Securities]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F113437-the-wisdom-of-convertible-securities%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  Last time, we discussed how investors willing to analyze opportunities up and down a company&#8217;s capital structure open up numerous possibilities to generate absolute returns - in particular through looking for undervalued embedded options in convertible securities. Reading the last article will be helpful to understanding...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Tue, 06 Jan 2009 05:19:13 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/bank+of+america+corp..html"><![CDATA[Bank of America Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">BAC</category>
		<category domain="tickers">BAC</category>
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		<title><![CDATA[Citigroup: Not the Reaction a Bailout Should Get]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F108127-citigroup-not-the-reaction-a-bailout-should-get%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  Going back to Walter Bagehot, Central Banks should lend without limit at a penalty rate during a crisis. That rate should hurt, but it is better than no access to credit. To do otherwise is to shortchange taxpayers, and place the value of the Dollar at...]]></description>
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		<pubDate>Wed, 26 Nov 2008 03:55:08 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/bg+group+plc.html"><![CDATA[BG Group plc]]></category>
		<category domain="http://resources.bnet.com/topic/bp+plc.html"><![CDATA[BP Plc]]></category>
		<category domain="http://resources.bnet.com/topic/citigroup+inc..html"><![CDATA[Citigroup Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/f.c.c.+co.+ltd..html"><![CDATA[F.C.C. Co. Ltd.]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/tnk-bp.html"><![CDATA[TNK-BP]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">C</category>
		<category domain="tickers">C</category>
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	<item>
		<title><![CDATA[Microsoft Offers Real Value for Investors]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F106535-microsoft-offers-real-value-for-investors%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  This from Toro points out the selling that is taking place in a number of well capitalized tech companies without regard to valuation. In particular, he points out Microsoft MSFT and its 10% free cash flow yield as something "nobody cares" about. Microsoft is a company...]]></description>
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		<pubDate>Tue, 18 Nov 2008 02:05:13 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/stock.html"><![CDATA[Stock]]></category>
		<category domain="http://resources.bnet.com/topic/microsoft+corp..html"><![CDATA[Microsoft Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/investor.html"><![CDATA[Investor]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MSFT</category>
		<category domain="tickers">MSFT</category>
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		<title><![CDATA[KBR: A Hedge Fund Liquidation Special]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F105025-kbr-a-hedge-fund-liquidation-special%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  I&#8217;ve mentioned engineering, construction, and logistics firm KBR KBR briefly in the past, but my last presentation was on why the stock is a buy at present levels, just under $15/share. KBR is a Halliburton HAL spinoff that has attracted much negative press due to circumstances...]]></description>
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		<pubDate>Mon, 10 Nov 2008 01:52:03 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/hedge+fund.html"><![CDATA[Hedge Fund]]></category>
		<category domain="http://resources.bnet.com/topic/middle+east.html"><![CDATA[Middle East]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/kbr.html"><![CDATA[KBR]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/supply+chain.html"><![CDATA[Supply Chain]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/kbr+inc..html"><![CDATA[KBR Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/materials%252findustrials.html"><![CDATA[Materials/Industrials]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">KBR</category>
		<category domain="tickers">KBR</category>
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		<title><![CDATA[Primus Guaranty: At the Center of the CDS Storm]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F104416-primus-guaranty-at-the-center-of-the-cds-storm%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  The number of high-profile defaults of late from Lehman and Washington Mutual, combined with the technical defaults of Fannie FNM and Freddie FRE and a ratings downgrade of AIG that pushed the company to the brink of insolvency due to collateral calls have all thrust credit...]]></description>
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		<pubDate>Thu, 06 Nov 2008 04:11:16 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/primus+co..html"><![CDATA[Primus Co.]]></category>
		<category domain="http://resources.bnet.com/topic/subprime+mortgage.html"><![CDATA[Subprime Mortgage]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/james+cullen.html"><![CDATA[James Cullen]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
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	<item>
		<title><![CDATA[Regis: A Stock I Just Don't Want to Own]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F102043-regis-a-stock-i-just-don-t-want-to-own%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[James Cullen submits:  One of the challenges of inheriting a 35 stock portfolio that needs to be managed via once weekly meetings is that it's difficult to keep pruned; stocks can linger without a sell motion indefinitely, and making rapid allocation changes is almost impossible. So, even though I...]]></description>
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		<pubDate>Mon, 27 Oct 2008 02:38:36 -0700</pubDate>
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