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      <image:title>Investment memos from William Digby - The egoist does not tolerate egoism. - Make it stand out</image:title>
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      <image:title>Investment memos from William Digby - To do nothing is to do something. - Make it stand out</image:title>
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      <image:title>Investment memos from William Digby - No profit in comfort. - Make it stand out</image:title>
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      <image:title>Investment memos from William Digby - Confusing motion for progress. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Investment memos from William Digby - Be rare and valuable.</image:title>
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    <loc>https://williamdigby.com/memos/increasing-returns-wrecks-the-greater-part-of-economic-theory</loc>
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      <image:title>Investment memos from William Digby - Increasing returns.  Wrecking the greater part of economic theory.</image:title>
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      <image:title>Investment memos from William Digby - Forget your passion; follow your talent.</image:title>
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      <image:title>Investment memos from William Digby - Why we fall for fallacy.</image:title>
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    <loc>https://williamdigby.com/memos/inflation-ask-not-for-whom-the-bell-tolls-it-tolls-for-thee</loc>
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    <lastmod>2021-02-12</lastmod>
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      <image:title>Investment memos from William Digby - Inflation. Ask not for whom the bell tolls; it tolls for thee.</image:title>
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      <image:title>Investment memos from William Digby - Talent is overrated. Look for toughness.</image:title>
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      <image:title>Investment memos from William Digby - Amateurs think in absolutes; professionals think in probabilities.</image:title>
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    <lastmod>2020-12-27</lastmod>
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      <image:title>Investment memos from William Digby - Avoiding stupidity is easier than seeking brilliance.</image:title>
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      <image:title>Investment memos from William Digby - The investor's mind; here be monsters.</image:title>
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      <image:title>Investment memos from William Digby - Study Failure, not Greatness.</image:title>
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      <image:title>Investment memos from William Digby - Like a shark, credit must keep moving.&amp;nbsp;</image:title>
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      <image:title>Investment memos from William Digby - The most dangerous idea in finance.</image:title>
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    <lastmod>2020-09-22</lastmod>
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      <image:title>Investment memos from William Digby - How to become a billionaire.</image:title>
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    <lastmod>2020-09-08</lastmod>
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      <image:title>Investment memos from William Digby - The Desert Fox.</image:title>
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      <image:title>Investment memos from William Digby - Kernel Bezos.</image:title>
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    <lastmod>2020-08-24</lastmod>
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      <image:title>Investment memos from William Digby - Abundance makes me poor.</image:title>
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    <lastmod>2020-08-17</lastmod>
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      <image:title>Investment memos from William Digby - A tale of two investors.</image:title>
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    <loc>https://williamdigby.com/memos/stradiwhovius</loc>
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    <lastmod>2020-08-11</lastmod>
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      <image:title>Investment memos from William Digby - Stradiwhovius?</image:title>
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    <loc>https://williamdigby.com/memos/the-tail-that-wags-the-dog</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - The tail that wags the dog.</image:title>
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    <loc>https://williamdigby.com/memos/mega-million-maniacs</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Mega Million maniacs.</image:title>
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    <loc>https://williamdigby.com/memos/the-great-devourer</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - The Great Devourer.</image:title>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Something wicked this way comes.</image:title>
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    <loc>https://williamdigby.com/memos/satoshi-specials</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Satoshi Specials.</image:title>
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    <loc>https://williamdigby.com/memos/troubled-americas</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Troubled Americas.</image:title>
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      <image:title>Investment memos from William Digby - Red sky at morning, investors take warning.</image:title>
    </image:image>
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  <url>
    <loc>https://williamdigby.com/memos/funding-secured</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595825619965-YY80M959K74VXJDNVXA1/shutterstock_1722208579.png</image:loc>
      <image:title>Investment memos from William Digby - “Funding secured.”</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/a-thin-tether-to-reality</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595575472227-ICH5VG5QYYM2H6RTX6CG/shutterstock_1755784511+%281%29.jpg</image:loc>
      <image:title>Investment memos from William Digby - A thin tether to reality.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/the-church-of-tesla</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595826734152-AAEPMUQ8XZMHVDINH4SJ/shutterstock_1170185437.jpg</image:loc>
      <image:title>Investment memos from William Digby - The Church of Tesla.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/cash-cremation</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595826905212-OK8SHBFSRX6TMIFPYOWP/shutterstock_1074272708.jpg</image:loc>
      <image:title>Investment memos from William Digby - Cash cremation.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/lots-of-tango-but-no-cash</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Lots of tango, but no cash.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/junk-bonds-getting-junkier</loc>
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    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595827256941-54R0DZW2AJA3LODZT1NK/shutterstock_1722208591.jpg</image:loc>
      <image:title>Investment memos from William Digby - Junk bonds getting junkier.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/weborrow</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595827432305-4AG7YD285R313TQWI7GJ/shutterstock_739493332.png</image:loc>
      <image:title>Investment memos from William Digby - WeBorrow.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/math-money</loc>
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    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595827575030-2L8VO303G9OPO2WFRDGS/shutterstock_767728519.jpg</image:loc>
      <image:title>Investment memos from William Digby - Math money.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/having-an-out-of-money-experience</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595827732190-NDKJBBI5V1SZHCN6488Q/shutterstock_735008569.jpg</image:loc>
      <image:title>Investment memos from William Digby - Having an out of money experience.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/replacing-the-gold-standard-with-the-phd-standard</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595827908553-SIDZPN12YGPDIN6SCK7X/shutterstock_699363472.jpg</image:loc>
      <image:title>Investment memos from William Digby - Replacing the gold standard with the PhD standard.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/o-le-boeuf</loc>
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    <lastmod>2020-08-05</lastmod>
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      <image:title>Investment memos from William Digby - Où le boeuf?</image:title>
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  </url>
  <url>
    <loc>https://williamdigby.com/memos/shame-is-forgotten-debts-are-not-chinese-proverb</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
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      <image:title>Investment memos from William Digby - Shame is forgotten, debts are not. ~ Chinese Proverb</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/red-sky-in-morning-sailors-warning</loc>
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    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595828522945-CVXFPAZBC6KK9X87QB23/image-asset.jpeg</image:loc>
      <image:title>Investment memos from William Digby - Red sky in morning, sailor's warning.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/aw-snap</loc>
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    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595828650630-B1NNO0Z1D7PFH2G1H8ID/image-asset.jpeg</image:loc>
      <image:title>Investment memos from William Digby - Aw, Snap!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/get-rich-or-die-tryin</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595828825173-M3LPSPBWOZH0WMWNSMUE/shutterstock_1175509030.jpg</image:loc>
      <image:title>Investment memos from William Digby - Get Rich or Die Tryin’.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/pyramids-arent-built-in-a-day</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595828958646-W5P37BPKT8GWKQP6YP6Q/shutterstock_1186345933.jpg</image:loc>
      <image:title>Investment memos from William Digby - Pyramids aren't built in a day.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/if-you-look-around-the-table-and-dont-see-a-sucker</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829108224-TG5EBNLG9N5WHCS3GFKQ/shutterstock_1233250867.jpg</image:loc>
      <image:title>Investment memos from William Digby - If you look around the table and don’t see a sucker…</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/how-real-is-the-real</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829236908-8G0WLF5XUARZJHJSP9RB/shutterstock_1203560017.jpg</image:loc>
      <image:title>Investment memos from William Digby - How real is the real?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/liar-loans</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829385326-MEACR0ZIQZ5EDPDV5VEK/shutterstock_1186345948.png</image:loc>
      <image:title>Investment memos from William Digby - ‘liar loans’.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/paulson-and-icahn</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829556844-T85C2LOHJDCNGRMPLKXW/shutterstock_1159674652.jpg</image:loc>
      <image:title>Investment memos from William Digby - Paulson and Icahn.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/trust-credibility-innovation</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829703888-IVK2J0O8RYLOZ865GNWX/shutterstock_763048711.jpg</image:loc>
      <image:title>Investment memos from William Digby - Trust. Credibility. Innovation.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/cryptokitties</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595829839834-ATPRYPDYVHVTU4C7R9AX/shutterstock_763048699.jpg</image:loc>
      <image:title>Investment memos from William Digby - Cryptokitties.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/afrika-borwa</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
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      <image:title>Investment memos from William Digby - Afrika Borwa.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/trading-companies-like-baseball-cards</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595830110995-CEIDBGCI00LI3IHDA45I/shutterstock_739483930.jpg</image:loc>
      <image:title>Investment memos from William Digby - Trading companies like baseball cards.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/the-milost-monster</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595830255634-7AUFUNFB0QYLUJ3ZEDQY/shutterstock_735008578.jpg</image:loc>
      <image:title>Investment memos from William Digby - The Milost Monster!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/10k-bitcoin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595830390423-4Y4YQL775QHYM0Z3CXVD/shutterstock_735008554.png</image:loc>
      <image:title>Investment memos from William Digby - 10k Bitcoin.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/tip-of-the-iceberg</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595830555150-GGEMLAMZ79A4R9SJ2R73/shutterstock_695867203.jpg</image:loc>
      <image:title>Investment memos from William Digby - Tip of the iceberg.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/chinese-africa</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595830707532-1MYC21HFXBBSTSY5JPQF/shutterstock_699363931.png</image:loc>
      <image:title>Investment memos from William Digby - Chinese Africa.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/nigeria</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595831258067-NSWVGEB8N0H3A6OWL2RS/shutterstock_705272536.jpg</image:loc>
      <image:title>Investment memos from William Digby - Nigeria.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/memos/game-of-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595831526804-F9NWMO1YQ6UV9RXYRHND/shutterstock_707951365.jpg</image:loc>
      <image:title>Investment memos from William Digby - Game of risk.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/podcast</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-10-28</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/podcast/blog-post-title-one-7s2pr</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-19</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/podcast/blog-post-title-two-e4795</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-19</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/podcast/blog-post-title-three-369cj</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-19</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/podcast/blog-post-title-four-kg3ed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-19</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/book-reviews</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-28</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/book-reviews/never-split-the-difference-negotiating-as-if-your-life-depended-on-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-28</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/book-reviews/summary-of-the-most-important-thing-illuminated-by-howard-marks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-28</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/about-wmd</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1605243787835-IDM3JHYG0UGWT8HWZHCR/wdigby_boarder.jpg</image:loc>
      <image:title>About - William Digby</image:title>
      <image:caption>Growth capital investor and entrepreneur. William is Chief Investment Officer at the Thurin Family Office, headquartered in Melbourne, Australia. He was previously a Partner at Jameson Capital, a Melbourne based private equity fund; and a Partner DCE Holdings, a South African based private equity fund headquartered in Cape Town. He is a former Green Beret Commando with the Australian Army Special Forces and Afghanistan War veteran, is an Oxford University MBA graduate, as well as having earned a bachelor's degree in commerce from the University of Melbourne. He is, in addition, a mentor at Stone &amp; Chalk and the University of Melbourne, a regular speaker at the University of Oxford, and a former member of the investment committee for the Oxford University Venture Capital Fund.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1595246331357-IOMUQ53WJ9F0GFR8HANN/Venn</image:loc>
      <image:title>About</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://williamdigby.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-08</lastmod>
  </url>
  <url>
    <loc>https://williamdigby.com/investments</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1599624882728-PXLPZ85V7B9N9UO24HOY/empg.png</image:loc>
      <image:title>Investments</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/2b4fc211-abfc-4d54-8b51-0a188a1e4d75/lamudi-4.png</image:loc>
      <image:title>Investments - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/1599624913281-Z3WFUI3QOQNTPPH7BUIZ/BProperty.png</image:loc>
      <image:title>Investments</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f13b3d94b5f222b2a46235a/0073527b-a1b6-4ef4-b16b-6dba52c032b5/dubizzle-1.png</image:loc>
      <image:title>Investments - Make it stand out</image:title>
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