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http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://needtoknowconsulting.org/ask-for-a-quote/</loc><lastmod>2025-03-13T07:30:36+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/social-security/</loc><lastmod>2025-03-13T07:10:26+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/tax/</loc><lastmod>2025-03-13T07:05:05+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/poverty-inequality/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/08/investincome.jpg</image:loc><image:title>investincome</image:title></image:image><lastmod>2025-03-13T06:55:49+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/samples-of-work/</loc><lastmod>2025-03-13T06:47:22+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/2022/05/06/crucial-chance-to-lift-all-australians-up/</loc><lastmod>2022-05-06T08:59:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2021/08/15/swings-and-roundabouts-recovering-jobs-after-the-recession-in-australia/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/08/swings-and-roundabouts.jpg</image:loc><image:title>swings-and-roundabouts</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/08/unemploy-payments-jul21.jpg</image:loc><image:title>unemploy payments Jul21</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/08/employ-x-skill-jul21.jpg</image:loc><image:title>employ X skill JUl21</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/08/unemploy-and-vacancies-jul21.jpg</image:loc><image:title>unemploy and vacancies jul21</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/08/job-gains-losses-jul21.jpg</image:loc><image:title>job gains losses-Jul21</image:title></image:image><lastmod>2021-08-15T07:57:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/testimonials/</loc><lastmod>2021-05-07T02:24:07+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/2021/05/07/senate-submission-on-older-people-and-job-security/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/05/cota-sub-2021-title.png</image:loc><image:title>COTA sub 2021 title</image:title></image:image><lastmod>2021-05-07T02:11:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2021/03/12/has-the-uk-electorate-become-more-redistributively-left-wing-since-covid19/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/03/pacer_redistself_x_wave-1-1.png</image:loc></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/03/pacer_redistself_x_wave-1.png</image:loc><image:title>Featured Image -- 2421</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2021/03/pacer_taxspendself_x_wave-1.png</image:loc></image:image><lastmod>2021-03-12T02:21:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2020/09/25/if-jobseeker-was-cut-would-people-be-out-there-picking-fruit/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/09/harvest.png</image:loc><image:title>harvest</image:title></image:image><lastmod>2020-09-25T08:37:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2020/07/19/job-guarantees-do-they-work/</loc><lastmod>2020-07-20T01:11:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2020/05/31/a-basic-income-for-hard-times-australias-new-jobseeker-payment/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/05/clqueue.png</image:loc><image:title>clqueue</image:title></image:image><lastmod>2020-05-31T07:38:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2020/03/14/you-get-what-you-pay-for-danish-australian-employment-programs-neglect-long-term-unemployment/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/03/danish-employment-service.png</image:loc><image:title>danish employment service</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/02/ltu-in-europe14.png</image:loc><image:title>ltu in europe14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/02/danishemloymentfunding20-1-e1581245912982.jpg</image:loc><image:title>danishemloymentfunding20</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2020/02/danishemloymentfunding20.jpg</image:loc><image:title>danishemloymentfunding20</image:title></image:image><lastmod>2020-03-15T06:12:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2019/09/27/the-great-unravelling-demise-of-the-neoliberal-centre-part-3-neoliberalism-in-australia/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/union-membership.png</image:loc><image:title>union membership</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/89-budget-graph.png</image:loc><image:title>89 budget graph</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/whiteford-inequality90s.png</image:loc><image:title>whiteford-inequality90s</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/inequality-in-the-80s.png</image:loc><image:title>inequality in the 80s</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/longterm-unemployment95.png</image:loc><image:title>longterm unemployment95</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/inflation-unemployment.png</image:loc><image:title>inflation unemployment</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/09/keatinghewson.jpg</image:loc><image:title>keatinghewson</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/tampa.jpg</image:loc><image:title>The MV Tampa</image:title><image:caption>The MV Tampa</image:caption></image:image><lastmod>2019-12-08T08:58:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2019/07/07/the-great-unravelling-the-demise-of-the-neoliberal-centre-part-1-election-surprise/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/06/leaders-debate.jpg</image:loc><image:title>leaders debate</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/06/abbott-hanson.jpg</image:loc><image:title>abbott hanson</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/06/2328195_1558493165373.jpg</image:loc><image:title>2328195_1558493165373</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/06/chart-3.png</image:loc><image:title>chart-3</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/06/voters-by-income.png</image:loc><image:title>voters by income</image:title></image:image><lastmod>2019-11-15T05:45:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2019/08/04/the-great-unravelling-demise-of-the-neoliberal-centre-part-2/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/boris.jpg</image:loc><image:title>boris</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/12/harlan-county3.png</image:loc><image:title>harlan county3</image:title></image:image><lastmod>2019-11-15T05:44:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2019/11/04/the-great-unravelling-part-4-neoliberalism-and-its-discontents/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/11/road-serfdom.png</image:loc><image:title>road serfdom</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/10/jeremy-bentham.jpg</image:loc><image:title>Jeremy-Bentham</image:title><image:caption>"Auto-Icon" of  The philosopher and jurist Jeremy Bentham (1748-1832).  He is often credited with being one of the founders of the University of London, the forerunner of today's University College London. This is not, in fact, true. Bentham was eighty years of age when the new University opened its doors in 1828, and took no part in the campaign to bring it into being.  Yet although Bentham played no direct part in the establishment of UCL, he still deserves to be considered as its spiritual father. Many of the founders, particularly James Mill (1773-1836) and Henry Brougham (1778-1868), held him in high esteem, and their project embodied many of his ideas on education and society.</image:caption></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/03/top-1-shares-europe.png</image:loc><image:title>top 1% shares europe</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/03/us-top-1-shares-2.png</image:loc><image:title>US top 1% shares</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/03/anglo-inequality-1.png</image:loc><image:title>anglo inequality</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/01/bond.jpeg</image:loc><image:title>bond</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/01/banana.jpg</image:loc><image:title>banana</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/01/hayek-friedman.jpg</image:loc><image:title>hayek friedman</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/01/social-contract.jpeg</image:loc><image:title>social contract</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/01/panopticon.jpg</image:loc><image:title>panopticon</image:title></image:image><lastmod>2019-11-04T07:52:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2019/08/23/is-the-job-services-australia-model-made-for-measure-for-disadvantaged-jobseekers/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/jsa.png</image:loc><image:title>jsa</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/lmp-spending13.png</image:loc><image:title>lmp spending13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/employment-outcomes-ltu13.png</image:loc><image:title>employment outcomes ltu13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/jsa-fees13.png</image:loc><image:title>jsa fees13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/annual-employment-growth13.png</image:loc><image:title>annual employment growth13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/employment-outcomes-jsa13.png</image:loc><image:title>employment outcomes jsa13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/net-impacts-lmps13.png</image:loc><image:title>net impacts lmps13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/unemployment-payment-recipients-by-duration13.png</image:loc><image:title>unemployment payment recipients by duration13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2019/08/unemployment-rate-australia.png</image:loc><image:title>unemployment rate-australia</image:title></image:image><lastmod>2022-12-24T15:15:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2018/11/13/contracting-employment-services-to-outcomes-is-this-the-promised-land/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi15.png</image:loc><image:title>mi15</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi14.png</image:loc><image:title>mi14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi13.png</image:loc><image:title>mi13</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi12.png</image:loc><image:title>mi12</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi11.png</image:loc><image:title>mi11</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi10.png</image:loc><image:title>mi10</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi91.png</image:loc><image:title>mi9</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi9.png</image:loc><image:title>mi9</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi8.png</image:loc><image:title>mi8</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/mi7.png</image:loc><image:title>mi7</image:title></image:image><lastmod>2018-11-13T06:00:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2018/11/13/learning-to-swim-at-the-deep-end/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja6.png</image:loc><image:title>ja6</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja5.png</image:loc><image:title>ja5</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja4.png</image:loc><image:title>ja4</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja3.png</image:loc><image:title>ja3</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja2.png</image:loc><image:title>ja2</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/11/ja1.png</image:loc><image:title>ja1</image:title></image:image><lastmod>2018-11-13T05:23:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/tax-2/</loc><lastmod>2018-10-28T06:01:51+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/social-security-2/</loc><lastmod>2018-08-06T06:49:46+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://needtoknowconsulting.org/2018/08/06/from-basic-income-to-poor-law-and-back-again-part-4-designing-a-viable-basic-income/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/08/supportforubigraph.jpg</image:loc><image:title>supportforubigraph</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/08/ladderacrosschasm.jpg</image:loc><image:title>ladderacrosschasm</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/08/helpupsteps.png</image:loc><image:title>helpupsteps</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/08/stepsinfog.jpg</image:loc><image:title>stepsinfog</image:title></image:image><lastmod>2018-08-06T06:47:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2018/06/03/from-basic-income-to-poor-law-and-back-again-part-3-renewing-the-social-minimum/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/06/ladder.png</image:loc><image:title>ladder</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/06/types-of-basic-income.png</image:loc><image:title>types of basic income</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/06/social-minimum-graph.png</image:loc><image:title>social minimum graph</image:title></image:image><lastmod>2018-06-03T12:25:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2018/05/20/from-basic-income-to-poor-law-and-back-again-part-2-whither-the-welfare-state/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-gig-economy.png</image:loc><image:title>basic income-gig economy</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-hungry-mile.png</image:loc><image:title>basic income-hungry mile</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-underemployment.png</image:loc><image:title>basic income underemployment</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-job-mobility.png</image:loc><image:title>basic income-job mobility</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-jobs-by-skill.png</image:loc><image:title>basic income-jobs by skill</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-trends-in-working-hours.png</image:loc><image:title>basic income-trends in working hours</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-welfare-spend1-e1526797503541.png</image:loc><image:title>basic income-welfare spend</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/05/basic-income-welfare-spend.png</image:loc><image:title>basic income-welfare spend</image:title></image:image><lastmod>2018-05-20T06:49:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2018/04/22/from-basic-income-to-poor-law-and-back/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/basic-income.png</image:loc><image:title>basic income</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/votes-for-women.png</image:loc><image:title>votes for women</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/womens-tu-league.png</image:loc><image:title>womens tu league</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/workhouse2.png</image:loc><image:title>workhouse</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/workhouse1.png</image:loc><image:title>workhouse</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/workhouse.png</image:loc><image:title>workhouse</image:title><image:caption>Millbank Workhouse</image:caption></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2018/04/speenhamland.png</image:loc><image:title>speenhamland</image:title></image:image><lastmod>2018-04-22T12:27:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/05/10/does-work-for-the-dole-work/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/susso.png</image:loc><image:title>susso</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/cap-evaluation-employment-effects.png</image:loc><image:title>cap evaluation-employment effects</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/cap-evaluation-benefit-outcomes.png</image:loc><image:title>cap evaluation-benefit outcomes</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/cap-evaluation-process.png</image:loc><image:title>cap evaluation-process</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/mwa-employment-outcomes.png</image:loc><image:title>mwa employment outcomes</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/05/mwa-benefit-impacts.png</image:loc><image:title>mwa benefit impacts</image:title></image:image><lastmod>2018-11-26T11:38:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2016/05/29/activation-policies-in-the-1990s-and-2000s-denmark-and-the-united-kingdom-compared/</loc><lastmod>2016-05-29T08:32:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2016/01/20/the-qualification-program-norways-answer-to-entrenched-long-term-unemployment/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2016/01/ladder.png</image:loc><image:title>ladder</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2016/01/qp-activities.png</image:loc><image:title>qp-activities</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2016/01/qp-client-profile3.png</image:loc><image:title>qp-client profile</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2016/01/qp-employment-graph1.png</image:loc><image:title>qp employment graph</image:title></image:image><lastmod>2016-01-20T06:31:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2016/01/04/2015-in-review/</loc><lastmod>2016-01-04T01:18:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/11/29/whos-the-most-efficient-of-them-all-income-tax-or-gst/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/11/tax-efficiency.png</image:loc><image:title>tax efficiency</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/11/investment-income.png</image:loc><image:title>investment income</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/11/income-tax-share1.png</image:loc><image:title>income tax share</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/11/direct-tax-share.png</image:loc><image:title>direct tax share</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/11/income-tax-share.png</image:loc><image:title>income tax share</image:title></image:image><lastmod>2015-11-29T06:17:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/10/25/social-policy-for-the-good-society/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/10/good-society.png</image:loc><image:title>good society</image:title></image:image><lastmod>2015-10-25T07:48:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/10/25/the-uk-minimum-wage-and-universal-credit-more-austerity-or-foundations-for-economic-security/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/10/pillars.png</image:loc><image:title>pillars</image:title></image:image><lastmod>2015-10-25T07:48:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/10/04/employment-participation-policies-and-the-good-society-my-comments-in-the-final-plenary-of-the-australian-social-policy-conference-17915/</loc><lastmod>2015-10-04T08:28:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/09/06/scarcity-the-use-and-abuse-of-psychology-to-reduce-unemployment/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/late.png</image:loc><image:title>late</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/go-away.png</image:loc><image:title>go away</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/tunelling1.png</image:loc><image:title>tunelling</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/tunelling.png</image:loc><image:title>tunelling</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/tunnelling.png</image:loc><image:title>tunnelling</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/stress.png</image:loc><image:title>stress</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/dole-bludger.png</image:loc><image:title>dole bludger</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/bad-attitude.png</image:loc><image:title>bad attitude</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/incentives.png</image:loc><image:title>incentives</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/08/mousewheel.png</image:loc><image:title>mousewheel</image:title></image:image><lastmod>2015-09-07T00:43:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/07/20/did-the-australian-welfare-to-work-policy-improve-the-job-prospects-of-people-with-disabilities/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/dsp-herald-sun14.png</image:loc><image:title>dsp herald sun14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/dsp-growth.png</image:loc><image:title>dsp growth</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/oecd-dsp-data08.png</image:loc><image:title>oecd-dsp data08</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/exits-and-returns-pwd05-07.png</image:loc><image:title>exits and returns-pwd05-07</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/wtw-employment-impact-for-pwd.png</image:loc><image:title>wtw employment impact for pwd</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/07/wtw-impact-of-incomes-of-pwd.png</image:loc><image:title>wtw impact of incomes of pwd</image:title></image:image><lastmod>2015-07-20T00:05:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/06/24/just-desserts-social-security-and-deservingness/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/06/deserving-poor.png</image:loc><image:title>deserving poor</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/06/deservingness-model.png</image:loc><image:title>deservingness model</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/06/deservingness.png</image:loc><image:title>deservingness</image:title></image:image><lastmod>2015-07-22T05:52:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/04/22/deduct-the-losses-capitalise-the-gains-how-negative-gearing-works/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/rental-losses.png</image:loc><image:title>rental losses</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/neg-gear-international.png</image:loc><image:title>neg gear international</image:title></image:image><lastmod>2015-04-26T23:35:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/03/31/hidden-gems-in-the-tax-discussion-paper-which-taxes-are-more-efficient/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/ali_baba.jpg</image:loc><image:title>ali_baba</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/meb-e1427798727857.png</image:loc><image:title>meb</image:title></image:image><lastmod>2015-04-11T01:14:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/01/08/a-brief-history-of-tax-part-1-income-tax-the-great-leveller/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/contribution-income-taxes-redistribution-oecd.png</image:loc><image:title>contribution income taxes redistribution oecd</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/income-inequality-males.png</image:loc><image:title>income inequality males</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/top-tax-rates.png</image:loc><image:title>top tax rates</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/taxes-as-proportion-income.png</image:loc><image:title>taxes as proportion income</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/richard_ii_and-peasants-tax-revolt.jpg</image:loc><image:title>Richard_II_and peasants tax revolt</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/leviathan-page0001.jpg</image:loc><image:title>leviathan-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/australia-money.jpg</image:loc><image:title>australia-money</image:title></image:image><lastmod>2015-04-04T09:34:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/01/15/a-brief-history-of-tax-part-2-clash-of-the-titans/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/tax-mix10.png</image:loc><image:title>tax mix10</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/gains-from-2000-tax-package.png</image:loc><image:title>gains from 2000 tax package</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/impact-gst-98.png</image:loc><image:title>impact gst 98</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/shares-of-taxes-oecd.png</image:loc><image:title>shares of taxes-oecd</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/consumption-tax-share-oecd.png</image:loc><image:title>consumption tax share-oecd</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/nothing-happened.png</image:loc><image:title>nothing happened</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/distribution-of-consumption-taxes08-page0001.jpg</image:loc><image:title>distribution of consumption taxes08-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/titans.jpg</image:loc><image:title>titans</image:title></image:image><lastmod>2015-04-04T09:24:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/01/16/whos-the-fairest-and-most-efficient-of-them-all-income-or-consumption-taxes/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/life-cycle-taxes-aus12.png</image:loc><image:title>life cycle taxes aus12</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/income-tax-life-cycle-uk.png</image:loc><image:title>income tax life cycle uk</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/income-and-cons-taxes-distribution10.png</image:loc><image:title>income and cons taxes distribution10</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/income-and-saving10.png</image:loc><image:title>income and saving10</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/distribution-cons-taxes-oecd14.png</image:loc><image:title>distribution-cons-taxes-oecd14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/mirrormirror.jpg</image:loc><image:title>mirrormirror</image:title></image:image><lastmod>2015-04-04T09:05:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/01/24/acoss-report-shows-taxes-are-lower-less-progressive-than-people-think/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/tax-distribution.png</image:loc><image:title>tax distribution</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/consumption-tax-distribution.png</image:loc><image:title>consumption tax distribution</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/income-tax-distribution.png</image:loc><image:title>income tax distribution</image:title></image:image><lastmod>2015-07-06T01:13:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/02/04/a-brief-history-of-tax-part-3-the-trojan-horse-2/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/oecd-top1.png</image:loc><image:title>oecd top1%</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/sisyphus-page0001.jpg</image:loc><image:title>sisyphus-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/trojan-horse.jpg</image:loc><image:title>trojan-horse</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/defeat-of-hector.jpg</image:loc><image:title>defeat of hector</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/01/death-of-achilles.jpg</image:loc><image:title>BBC193315</image:title></image:image><lastmod>2015-04-04T07:22:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/04/03/hidden-gems-in-the-tax-discussion-paper-2-we-dont-rely-a-lot-more-on-income-tax-than-other-countries/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/oecd-company-income-tax.png</image:loc><image:title>oecd-company income tax</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/oecd-tax-revenue.png</image:loc><image:title>oecd tax revenue</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/oecd-income-taxes2.png</image:loc><image:title>oecd income taxes2</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/income-tax-oecd1-e1443326618723.png</image:loc><image:title>income tax oecd1</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/hockey-at-tax-launch.png</image:loc><image:title>hockey at tax launch</image:title></image:image><lastmod>2015-04-03T06:11:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/04/01/racing-against-time-indexation-of-social-security-payments/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/future-pension.png</image:loc><image:title>future pension</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/racing-against-time.jpg</image:loc><image:title>racing-against-time</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/payment-increases-to-wages-94-14.png</image:loc><image:title>payment increases to wages 94-14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/payment-increases-94-14.png</image:loc><image:title>payment increases 94-14</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/04/mtawe.png</image:loc><image:title>mtawe</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/ncoa-appendix_volume-1-170.jpg</image:loc><image:title>National Commission of Audit - Appendix Volume 1</image:title></image:image><lastmod>2015-04-03T03:25:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/03/03/how-the-budget-was-mugged-treasury-publishes-the-photo/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/spending-on-benefits-oecd10-page0001.jpg</image:loc><image:title>spending on benefits oecd10-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/santa-claus-robbery-page0001.jpg</image:loc><image:title>santa claus robbery-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/03/budget-slippage-page0001.jpg</image:loc><image:title>budget slippage-page0001</image:title></image:image><lastmod>2015-03-03T03:27:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://needtoknowconsulting.org/2015/02/25/not-as-simple-as-it-sounds-the-welfare-review-in-pictures/</loc><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/welfare-review-payment-structure-page0001.jpg</image:loc><image:title>welfare review payment structure-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/gap-between-pension-and-newstart-page0001.jpg</image:loc><image:title>Gap between pension and Newstart-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/payment-levels-for-people-of-working-age-under-existing-and-proposed-systems-page0001-2.jpg</image:loc><image:title>Payment levels for people of working age under existing and proposed systems-page0001 (2)</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/reform-of-payments-disability-page0001.jpg</image:loc><image:title>reform of payments disability-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/acoss-proposal-base-rate-page0001.jpg</image:loc><image:title>ACOSS proposal base rate-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/payment-levels-for-people-of-working-age-under-existing-and-proposed-systems-page0001.jpg</image:loc><image:title>Payment levels for people of working age under existing and proposed systems-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/who-needs-the-most-help-page0001.jpg</image:loc><image:title>Who needs the most help-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/present-social-security-system-and-ability-to-work-page0001.jpg</image:loc><image:title>present social security system and ability to work-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/tangled-web-page0001.jpg</image:loc><image:title>tangled web-page0001</image:title></image:image><image:image><image:loc>https://needtoknowconsulting.org/wp-content/uploads/2015/02/the-social-security-system-page0001.jpg</image:loc><image:title>The social security 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