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      <image:title>Blog - The Risk Riddle: Why False Precision Breaks Risk Management - Make it stand out</image:title>
      <image:caption>A donkey, paralyzed between equal choices, dies from indecision; a paradox posed by philosopher Jean Buridan.</image:caption>
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      <image:title>Blog - The Risk Riddle: Why False Precision Breaks Risk Management - 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>Blog - The Risk Riddle: Why False Precision Breaks Risk Management - Make it stand out</image:title>
      <image:caption>Red-yellow-green matrices collapse complex, multidimensional uncertainties into deceptively simple outputs</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/6/18/that-feels-too-high-a-risk-analysts-survival-guide</loc>
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      <image:title>Blog - “That Feels Too High”: A Risk Analyst's Survival Guide - Make it stand out</image:title>
      <image:caption>Photo by Danielle Cerullo on Unsplash‍</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/6/1/six-levers-that-quietly-change-your-risk-and-how-to-spot-them</loc>
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      <image:title>Blog - Six Levers That Quietly Change Your Risk and How to Spot Them - Make it stand out</image:title>
      <image:caption>Photo by Ian Parker on Unsplash‍</image:caption>
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      <image:title>Blog - Six Levers That Quietly Change Your Risk and How to Spot Them - Make it stand out</image:title>
      <image:caption>Photo by Hubert Neufeld on Unsplash‍</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/5/21/agi-dreams-what-keeps-a-risk-professional-up-at-night</loc>
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      <image:title>Blog - AGI Dreams: What Keeps a Risk Professional Up at Night - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - AGI Dreams: What Keeps a Risk Professional Up at Night - Make it stand out</image:title>
      <image:caption>Explaining the Internet to a medieval peasant (Source: AI-generated using ChatGPT)</image:caption>
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    <image:image>
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      <image:title>Blog - AGI Dreams: What Keeps a Risk Professional Up at Night - 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/v1/5a111571d0e628a8679b6b6c/7f9d087f-e436-4de8-a96d-6a6538235800/ChatGPT+Image+Apr+10%2C+2025%2C+07_05_26+AM.png</image:loc>
      <image:title>Blog - AGI Dreams: What Keeps a Risk Professional Up at Night - 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/v1/5a111571d0e628a8679b6b6c/05abe7e6-e35d-40b3-9766-9bf247e84e22/ChatGPT+Image+Apr+10%2C+2025%2C+07_09_55+AM.png</image:loc>
      <image:title>Blog - AGI Dreams: What Keeps a Risk Professional Up at Night - Make it stand out</image:title>
      <image:caption>I hope for AGI to resemble a digital Pinocchio (Source: AI-generated using ChatGPT)</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/5/3/why-ransomware-isnt-just-a-technology-problem-its-worse</loc>
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      <image:title>Blog - Why Ransomware Isn’t Just a Technology Problem (It’s Worse) - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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    <image:image>
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      <image:title>Blog - Why Ransomware Isn’t Just a Technology Problem (It’s Worse) - Make it stand out</image:title>
      <image:caption>How different stakeholders align - or don’t - on ransomware payment decisions</image:caption>
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    <image:image>
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      <image:title>Blog - Why Ransomware Isn’t Just a Technology Problem (It’s Worse) - Make it stand out</image:title>
      <image:caption>Misaligned incentives leads to suboptimal outcomes</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/4/26/vendor-sales-tactics-the-good-the-bad-and-the-bathroom</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Vendor Sales Tactics: The Good, The Bad, and the Bathroom - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - Vendor Sales Tactics: The Good, The Bad, and the Bathroom - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - Vendor Sales Tactics: The Good, The Bad, and the Bathroom - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - Vendor Sales Tactics: The Good, The Bad, and the Bathroom - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2025/4/23/what-the-great-hanoi-rat-massacre-of-1902-and-modern-risk-practices-have-in-common</loc>
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    <lastmod>2025-12-30</lastmod>
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      <image:title>Blog - What the Great Hanoi Rat Massacre of 1902 and Modern Risk Practices Have in Common - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - What the Great Hanoi Rat Massacre of 1902 and Modern Risk Practices Have in Common - Make it stand out</image:title>
      <image:caption>The Hanoi rat ecosystem, 1902</image:caption>
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      <image:title>Blog - What the Great Hanoi Rat Massacre of 1902 and Modern Risk Practices Have in Common - Make it stand out</image:title>
      <image:caption>The risk services ecosystem</image:caption>
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      <image:title>Blog - What the Great Hanoi Rat Massacre of 1902 and Modern Risk Practices Have in Common - Make it stand out</image:title>
      <image:caption>Source: AI-generated using ChatGPT</image:caption>
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    <loc>https://www.tonym-v.com/blog/2025/4/8/zines-blogs-bots-a-love-story-1</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Blog - Zines, Blogs, Bots: A Love Story - Make it stand out</image:title>
      <image:caption>AI-generated using ChatGPT</image:caption>
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      <image:title>Blog - Zines, Blogs, Bots: A Love Story - Make it stand out</image:title>
      <image:caption>"DISTRO ZINES http://ilostmyidealism.wordpress.com/" by xkidx is licensed under CC BY-SA 2.0.</image:caption>
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      <image:title>Blog - Zines, Blogs, Bots: A Love Story - Make it stand out</image:title>
      <image:caption>AI-generated using ChatGPT</image:caption>
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    <loc>https://www.tonym-v.com/blog/the-cisos-white-whale-measuring-the-effectiveness-of-security-awareness-training</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Blog - The CISO’s White Whale: Measuring the Effectiveness of Security Awareness Training - Make it stand out</image:title>
      <image:caption>Boats attacking whales | Source: New York Public Library Digital Collections</image:caption>
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    <loc>https://www.tonym-v.com/blog/how-a-14th-century-english-monk-can-improve-your-decision-making</loc>
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      <image:title>Blog - How a 14th-century English monk can improve your decision making - Make it stand out</image:title>
      <image:caption>"File:William of Ockham.png" by self-created (Moscarlop) is licensed under CC BY-SA 3.0</image:caption>
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      <image:title>Blog - How a 14th-century English monk can improve your decision making - Make it stand out</image:title>
      <image:caption>Images: Left; NASA | Right: Craig Dugas; CC BY-SA 2.0</image:caption>
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      <image:title>Blog - How a 14th-century English monk can improve your decision making - Make it stand out</image:title>
      <image:caption>"Cell tower" by Ervins Strauhmanis is licensed under CC BY 2.0</image:caption>
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      <image:title>Blog - How a 14th-century English monk can improve your decision making - Make it stand out</image:title>
      <image:caption>FBI Wanted Poster | Source: fbi.gov</image:caption>
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    <loc>https://www.tonym-v.com/blog/2015/04/15/cyber-what - untangling-all-the-different-cyber-terms</loc>
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      <image:title>Blog - A Beginner's Guide to Cyber War, Cyber Terrorism and Cyber Espionage - Make it stand out</image:title>
      <image:caption>Photo by Rafael Rex Felisilda on Unsplash</image:caption>
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      <image:title>Blog - A Beginner's Guide to Cyber War, Cyber Terrorism and Cyber Espionage</image:title>
      <image:caption>View of cyberattacks</image:caption>
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      <image:title>Blog - A Beginner's Guide to Cyber War, Cyber Terrorism and Cyber Espionage</image:title>
      <image:caption>Commonly used “cyber” terms and definitions</image:caption>
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    <image:image>
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      <image:title>Blog - A Beginner's Guide to Cyber War, Cyber Terrorism and Cyber Espionage</image:title>
      <image:caption>Georgia, Ossetia, Russia and Abkhazia (en)” by Ssolbergj (CC BY-SA 3.0)</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2021/10/16/how-to-write-good-risk-scenarios-and-statements</loc>
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    <lastmod>2025-06-01</lastmod>
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      <image:title>Blog - How to write good risk scenarios and statements - 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/v1/5a111571d0e628a8679b6b6c/1634408329596-AIGH4DN31UXNZUNDTGOL/Picture1.png</image:loc>
      <image:title>Blog - How to write good risk scenarios and statements - Make it stand out</image:title>
      <image:caption>Fig. 1: Risk identification, risk scenarios, and risk statements</image:caption>
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    <image:image>
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      <image:title>Blog - How to write good risk scenarios and statements - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2021/8/16/risk-response-unfiltered</loc>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Blog - Optimizing Risk Response, Unfiltered - Make it stand out</image:title>
      <image:caption>Sisyphus (1548–49) by Titian</image:caption>
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      <image:title>Blog - Optimizing Risk Response, Unfiltered - Make it stand out</image:title>
      <image:caption>Abraham de Moivre, world’s first modern risk analyst</image:caption>
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    <lastmod>2025-04-23</lastmod>
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      <image:title>Blog - ISACA’s Risk Response Whitepaper Released - Make it stand out</image:title>
      <image:caption>Photo by Marc-Olivier Jodoin on Unsplash</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1629161158752-M3VOMADW09ZIHXG4CLP4/131333_Optimizing+risk+response+WP_R2_to-FF.jpg</image:loc>
      <image:title>Blog - ISACA’s Risk Response Whitepaper Released - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2021/8/2/siracon-2021-talk-baby-steps-easing-your-company-into-a-quantitative-cyber-risk-program</loc>
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    <priority>0.5</priority>
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      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627936627303-9GY0894EZJK0M2D4YFRB/Slide7.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627932373550-G75H6WVQNTP5THSYB3CJ/Slide10.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627945174463-L3DR7UUFWTBCU4TU1DI4/Slide10.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627939430093-LR6J0YPRNMN840DT7IQY/Slide18.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627944423976-V2NQFNW1PJSM5GHGB0IG/Screen+Shot+2021-08-02+at+3.44.44+PM.png</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627945216980-6TFAPAX8RXAQMJ5S9540/Slide28.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627946088964-ADKJU22G6N62MQLXP5QN/Slide32.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627946134847-FNWY5OFI4NXXX680CHCD/Slide33.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1627948474710-76DQ1PXBMXWMB6H2D1J8/Slide40.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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/v1/5a111571d0e628a8679b6b6c/1628019191009-PWYU6MP5APIR1XQ0JF1P/Slide45.jpeg</image:loc>
      <image:title>Blog - SIRAcon 2021 Talk | Baby Steps: Easing your company into a quantitative cyber risk program - 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>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2021/7/21/the-elephant-in-the-risk-governance-room</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1626901797277-D23JW3I5ESWXMDKHGN8Y/elephant.jpeg</image:loc>
      <image:title>Blog - The Elephant in the Risk Governance Room - 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/v1/5a111571d0e628a8679b6b6c/1626902217527-VX1XD4ZUEZ162FGH421I/fig1.png</image:loc>
      <image:title>Blog - The Elephant in the Risk Governance Room - Make it stand out</image:title>
      <image:caption>Figure 1— The Risk Matrix</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1626902182714-1YQAWCBSOE4OHKQ7QLX5/fig2.png</image:loc>
      <image:title>Blog - The Elephant in the Risk Governance Room - Make it stand out</image:title>
      <image:caption>Figure 2— Loss Exceedance Curve</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2021/6/30/when-the-experts-disagree-in-risk-analysis</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - When the Experts Disagree in Risk Analysis - Make it stand out</image:title>
      <image:caption>Image credit: "Every family has a black sheep somewhere!" by foxypar4 is licensed under CC BY 2.0</image:caption>
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      <image:title>Blog - When the Experts Disagree in Risk Analysis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1625073155682-NWMZ35Y1RP6VH6UARW3P/ag-pic-Te2zcvp3X1g-unsplash.jpg</image:loc>
      <image:title>Blog - When the Experts Disagree in Risk Analysis - Make it stand out</image:title>
      <image:caption>Image credit: AG Pic</image:caption>
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      <image:title>Blog - When the Experts Disagree in Risk Analysis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2021/5/17/my-2020-predictions-graded</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - My 2020 Predictions, Graded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2021/5/9/using-risk-assessment-to-support-decision-making</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Using Risk Assessment to Support Decision Making</image:title>
      <image:caption>"Construction Signs" by jphilipg is licensed under CC BY 2.0</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1620616224117-TBG0HH2ZGV9HQDIOMD2K/Picture1.png</image:loc>
      <image:title>Blog - Using Risk Assessment to Support Decision Making</image:title>
      <image:caption>Figure 1—The Components of a Decision</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1620616445439-OMJJD0XM2TEVRGFR23V5/Screen+Shot+2021-05-09+at+8.13.52+PM.png</image:loc>
      <image:title>Blog - Using Risk Assessment to Support Decision Making</image:title>
      <image:caption>Figure 2—Understanding the Decision Before and During Risk Identification</image:caption>
    </image:image>
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  <url>
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      <image:caption>"extreme horizon" by uair01 is licensed under CC BY 2.0</image:caption>
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      <image:title>Blog - Risk modeling the vulnerability du jour, part 2: Forward-looking risk registers</image:title>
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      <image:title>Blog - Risk modeling the vulnerability du jour, part 1: Framing</image:title>
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      <image:title>Blog - Risk modeling the vulnerability du jour, part 1: Framing</image:title>
      <image:caption>Meteorologists, not Miss Cleo</image:caption>
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      <image:title>Blog - Risk modeling the vulnerability du jour, part 1: Framing</image:title>
      <image:caption>The risk matrix encourages FUD (fear, uncertainty, doubt)</image:caption>
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      <image:title>Blog - Risk modeling the vulnerability du jour, part 1: Framing</image:title>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - The 2021 Security Outcomes report and better research methods</image:title>
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      <image:caption>Risk management pioneers: The New Lloyd's Coffee House, Pope's Head Alley, London</image:caption>
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      <image:caption>"Clairvoyant at Whitby" by Snapshooter46 is licensed under CC BY-NC-SA 2.0</image:caption>
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      <image:caption>The medieval game of Hazard</image:caption>
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      <image:caption>Aerial reconnaissance of an airfield</image:caption>
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      <image:title>Blog - Probability &amp;amp; the words we use: why it matters</image:title>
      <image:caption>"Handbook for Decisions Analysis" by Scott Barclay et al for the Department of Defense, 1977</image:caption>
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      <image:title>Blog - Probability &amp;amp; the words we use: why it matters</image:title>
      <image:caption>My perceptions of probabilities (from www.probabilitysurvey.com). The thick black bars are my answers</image:caption>
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      <image:title>Blog - Recipe for passing the OpenFAIR exam</image:title>
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      <image:title>Blog - Recipe for passing the OpenFAIR exam</image:title>
      <image:caption>The FAIR model (source: FAIR Institute)</image:caption>
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      <image:caption>It’s really a White Ostrich event</image:caption>
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      <image:title>Blog - No, COVID-19 is not a Black Swan event*</image:title>
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  <url>
    <loc>https://www.tonym-v.com/blog/2020/3/19/book-review-the-failure-of-risk-management-why-its-broken-and-how-to-fix-it-2nd-edition</loc>
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    <lastmod>2025-04-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1584660974401-8KDQCECQD8BMJPY49X8B/IMG_1710.jpeg</image:loc>
      <image:title>Blog - Book Review | The Failure of Risk Management: Why It's Broken and How to Fix It, 2nd Edition</image:title>
      <image:caption>The closest I’ll get to an unboxing video</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2019/12/16/exploit-prediction-scoring</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Exploit Prediction Scoring System (EPSS): Good news for risk analysts</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1580941507829-W87FQL9TY9DJVFVB0DXF/costanze.jpeg</image:loc>
      <image:title>Blog - Exploit Prediction Scoring System (EPSS): Good news for risk analysts</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1580943368043-RIC1ELF37FQR0XFAUOH7/Screen+Shot+2020-02-05+at+2.35.37+PM.png</image:loc>
      <image:title>Blog - Exploit Prediction Scoring System (EPSS): Good news for risk analysts</image:title>
      <image:caption>CVSS scores and rating</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1580944642791-DJXBN1M8TNIN9R0I5ZTW/Screen+Shot+2020-02-05+at+3.16.44+PM.png</image:loc>
      <image:title>Blog - Exploit Prediction Scoring System (EPSS): Good news for risk analysts</image:title>
      <image:caption>EPSS output (source: https://www.kennaresearch.com/tools/epss-calculator/)</image:caption>
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  <url>
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      <image:title>Blog - San Francisco's poop statistics: Are we measuring the wrong thing?</image:title>
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      <image:title>Blog - San Francisco's poop statistics: Are we measuring the wrong thing?</image:title>
      <image:caption>Source: Openthebooks.com</image:caption>
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      <image:title>Blog - San Francisco's poop statistics: Are we measuring the wrong thing?</image:title>
      <image:caption>Locations of all poop reports from 2011 to 2018. Source: Openthebooks.com</image:caption>
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  <url>
    <loc>https://www.tonym-v.com/blog/2019/12/7/my-2020-cyber-predictions-with-skin-in-the-game</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - My 2020 Cyber Predictions -- with Skin in the Game!</image:title>
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  <url>
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      <image:title>Blog - The Most Basic Thanksgiving Turkey Recipe -- with Metrics!</image:title>
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  <url>
    <loc>https://www.tonym-v.com/blog/2019/10/2/improve-your-estimations-with-the-equivalent-bet-test</loc>
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    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Improve Your Estimations with the Equivalent Bet Test</image:title>
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    <image:image>
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      <image:title>Blog - Improve Your Estimations with the Equivalent Bet Test</image:title>
      <image:caption>Figure 1: The Equivalent Bet Test Game Wheel</image:caption>
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      <image:title>Blog - Improve Your Estimations with the Equivalent Bet Test</image:title>
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  <url>
    <loc>https://www.tonym-v.com/blog/2019/7/17/aggregating-expert-opinion-simple-averaging-method-in-excel-smfyh</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Aggregating Expert Opinion: Simple Averaging Method in Excel</image:title>
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      <image:title>Blog - Aggregating Expert Opinion: Simple Averaging Method in Excel</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1563668160248-3F70B19L7NTCL06V7YK2/Screen+Shot+2019-07-20+at+5.15.35+PM.png</image:loc>
      <image:title>Blog - Aggregating Expert Opinion: Simple Averaging Method in Excel</image:title>
      <image:caption>Fig 1: Company A and Company B ransomware incident data. On average, it’s about the same. Examining the values separately reveals a different story</image:caption>
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      <image:title>Blog - Aggregating Expert Opinion: Simple Averaging Method in Excel</image:title>
      <image:caption>Fig 2: Data breach probability estimates from company experts</image:caption>
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      <image:title>Blog - Aggregating Expert Opinion: Simple Averaging Method in Excel</image:title>
      <image:caption>Fig 3. Mean and Median values of the data found in Fig. 2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2019/7/13/the-downstream-effects-of-cyberextortionnbsp</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - The Downstream Effects of Cyberextortion&amp;nbsp;</image:title>
      <image:caption>Polluted Bubbly Creek - South Fork of the South Branch of the Chicago River (1911)</image:caption>
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      <image:title>Blog - The Downstream Effects of Cyberextortion&amp;nbsp;</image:title>
      <image:caption>The Interview, 2014</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1563489043598-7O7JDEBTOOSHIHS6QMOM/Figure1.jpg</image:loc>
      <image:title>Blog - The Downstream Effects of Cyberextortion&amp;nbsp;</image:title>
      <image:caption>Fig. 1: The ransomware ecosystem</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1563489086072-RSHA6N8RWL9TXX9G8UHH/Figure2.jpg</image:loc>
      <image:title>Blog - The Downstream Effects of Cyberextortion&amp;nbsp;</image:title>
      <image:caption>Fig. 2: Ransomware response decision tree</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2019/7/12/aggregating-expert-opinion-in-risk-analysis-an-overview-of-methods</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Aggregating Expert Opinion in Risk Analysis: An Overview of Methods</image:title>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
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      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis - Should I buy mobile phone insurance?</image:title>
      <image:caption>A Quantitative Risk Analysis</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545935910135-HU9KAT33NKPWIGFR6BR9/Screen+Shot+2018-12-27+at+10.38.08+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig. 1: Assessment scope</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545936325841-WADE1J3898Y8IUYQV6SR/Screen+Shot+2018-12-27+at+10.44.56+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 2: Loss and cost data from past incidents</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545936679192-BPRRA7F8NO06Q6LAT0F2/Screen+Shot+2018-12-27+at+10.51.00+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 3: Areas of the FAIR ontology scoped into this assessment, shown in green</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545937036504-Z48OEDCH4TJAKC0MNFA1/Screen+Shot+2018-12-27+at+10.56.44+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 4. Risk analysis #1 results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545937159579-G80F34PNCK42T99JTQIF/Screen+Shot+2018-12-27+at+10.59.03+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 5: Analysis #1 results in a Loss Exceedance Curve</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545941827997-L3LBNQKJASYWC3GQMCFK/Screen+Shot+2018-12-27+at+12.16.41+PM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 6: Projected loss and cost data with insurance</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545943199373-X8WHKB5951XHMJLBF1EN/Screen+Shot+2018-12-27+at+12.39.10+PM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 7: Risk analysis #2 results</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1545943238619-OKQ5Y0USY8EFCY7JIOFT/Screen+Shot+2018-12-27+at+11.27.52+AM.png</image:loc>
      <image:title>Blog - Should I buy mobile phone insurance? A Quantitative Risk Analysis</image:title>
      <image:caption>Fig 8: Analysis #2 results in a Loss Exceedance Curve</image:caption>
    </image:image>
  </url>
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    <loc>https://www.tonym-v.com/blog/2018/11/21/cyber-risk-quantification-of-financial-technology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
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      <image:title>Blog - Book Chapter: Cyber Risk Quantification of Financial Technology</image:title>
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    <image:image>
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      <image:title>Blog - Book Chapter: Cyber Risk Quantification of Financial Technology</image:title>
      <image:caption>Figure 1: Scoping an Assessment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1542872556230-2NHNP05TXWR65LH5NQX0/Screen+Shot+2018-11-21+at+9.37.45+PM.png</image:loc>
      <image:title>Blog - Book Chapter: Cyber Risk Quantification of Financial Technology</image:title>
      <image:caption>Figure 2: The FAIR taxonomy</image:caption>
    </image:image>
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      <image:title>Blog - Bring Uncertainty Back</image:title>
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      <image:title>Blog - Bring Uncertainty Back</image:title>
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      <image:title>Blog - An Evening with Doug Hubbard: The Failure of Risk Management: Why it's *Still* Broken and How to Fix It</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1557183329107-J77XSMV5HCLLPWKBMKZ7/IMG-1188.JPG</image:loc>
      <image:title>Blog - An Evening with Doug Hubbard: The Failure of Risk Management: Why it's *Still* Broken and How to Fix It</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1557182194509-MHLCF6O92IPNDA2PN0TG/Picture1.png</image:loc>
      <image:title>Blog - An Evening with Doug Hubbard: The Failure of Risk Management: Why it's *Still* Broken and How to Fix It</image:title>
      <image:caption>Fig 1: Typical risk matrix</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1557183413310-CLQ6K1T4Y3U2O7QPGPM6/IMG-1194.JPG</image:loc>
      <image:title>Blog - An Evening with Doug Hubbard: The Failure of Risk Management: Why it's *Still* Broken and How to Fix It</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2018/8/6/the-semi-attached-figure-how-to-spot-manipulative-security-advertising-claims</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707179158-8NRXRI661JIU16S53HXL/1.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707356972-LF71H125MQBHJUDFERWV/2.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707426188-AENF2PC9JTSSJSHT8T4F/image-asset.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707547245-5Q5X7FNJQADSBVA8IIRP/4.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707607488-SF4FWRHNJA5JYRR32V4J/image-asset.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
      <image:caption>The Unbreakable Linux bus at the RSA conference</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707663772-RKA3UWP5HELF53CRFFET/6.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533707725192-JIJPE4AD1PELJK2YG4TV/7.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533708079731-S0VU1MYRJM40PWEQDW4O/8.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533708131603-U03MVSJOBQEJ6PP3WFOO/9.png</image:loc>
      <image:title>Blog - The Semi-Attached Figure: How to spot manipulative security advertising claims</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tonym-v.com/blog/2018/07/22/the-mad-men-of-cyber-security-advertising</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062336718-3DRN80K4GIAFGYTKGW8Y/a1f0a-1higqunkmln6ogkkpi0as-q.png</image:loc>
      <image:title>Blog - The Mad Men of Cyber Security Advertising</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062335718-FE1VTERT94DL99Z6PW9M/91154-1hakps-besctbxscga_xwqg.png</image:loc>
      <image:title>Blog - The Mad Men of Cyber Security Advertising</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062334118-QD6QA0D1S0CZDVK71SSL/01185-1fk52mrz5obhvjrnnqi-leq.png</image:loc>
      <image:title>Blog - The Mad Men of Cyber Security Advertising</image:title>
      <image:caption>Source: Kaspersky Security Bulletin 2016</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062338334-ES30WLQ42BCIH807WGEF/ef7a4-1_omwycj0akrjycov8nwgoa.png</image:loc>
      <image:title>Blog - The Mad Men of Cyber Security Advertising</image:title>
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      <image:title>Blog - The Mad Men of Cyber Security Advertising</image:title>
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    <lastmod>2025-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062332229-RR1VV7R8Z9IDWUV27A0H/cf6f7-1sxtzto-565kgqgmx5sw_oa.jpeg</image:loc>
      <image:title>Blog - GDPR, Ragnarok Online and Decision Analysis</image:title>
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      <image:title>Blog - GDPR, Ragnarok Online and Decision Analysis</image:title>
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      <image:title>Blog - GDPR, Ragnarok Online and Decision Analysis</image:title>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062330918-CNFZELXYSKP767HVZWW2/cd5ad-1htkchb-3jnmslay0oy6pmw.jpeg</image:loc>
      <image:title>Blog - Black Swans in Risk: Myth, Reality and Bad Metaphors</image:title>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062330286-MZ4ULOPCSXJJDLPDUNY1/ac90a-1wkiym1va4s966dxkpgt6nw.jpeg</image:loc>
      <image:title>Blog - Will the Real “Year of the Data Breach” Please Stand Up?</image:title>
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      <image:title>Blog - Will the Real “Year of the Data Breach” Please Stand Up?</image:title>
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  <url>
    <loc>https://www.tonym-v.com/blog/2017/04/17/the-birth-of-a-ransomware-urban-myth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062326797-RGPSI25MAE3JF86D6NKZ/0ff46-1nryumr9546tx7tg2qmj49a.png</image:loc>
      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062327188-1IN1SMAW4ZOT5BE2JROJ/50be1-1baiaujeal6sbdur3mp1azg.png</image:loc>
      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
      <image:caption>Source:http://www.darkreading.com/attacks-breaches/nearly-40--of-ransomware-victims-pay-attackers/d/d-id/1328634</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062327627-SDEL12HFD4DJ2ZIJKJG4/b7bf2-1hx5wo6imrtkuncaerb399a.gif</image:loc>
      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
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      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
      <image:caption>Source:https://newblogtrustlook.files.wordpress.com/2017/04/2017-trustlook-ransomware-survey.png</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a111571d0e628a8679b6b6c/1533062327491-QDV534VNIS195DIRN3BZ/98d81-1eoaw1wt8pjooiuc3rxctda.png</image:loc>
      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
      <image:caption>Source: http://www.darkreading.com/attacks-breaches/nearly-40--of-ransomware-victims-pay-attackers/d/d-id/1328634</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - The Birth of a Ransomware Urban Myth</image:title>
      <image:caption>Source: Google.com search</image:caption>
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    <loc>https://www.tonym-v.com/blog/2017/03/10/selection-bias-and-information-security-surveys</loc>
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    <lastmod>2025-04-22</lastmod>
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    <lastmod>2025-04-22</lastmod>
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    <lastmod>2025-12-02</lastmod>
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    <lastmod>2025-12-02</lastmod>
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      <image:title>Blog - Not all data breaches are created equal — do you know the difference? - 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:caption>Common data classifications and examples</image:caption>
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