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            <image:caption>This REMARK is an attempt to reproduce the main results of Cocco, Gomes, & Maenhout (2005), 'Cons...</image:caption>
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    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/changeliqconstr/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Changeliqconstr</image:title>
            <image:caption>What Happens To the Consumption Function When A Liquidity Constraint is Tightened?</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consaggshockmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consaggshockmodel</image:title>
            <image:caption>ConsAggShockModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consgenincprocessmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consgenincprocessmodel</image:title>
            <image:caption>ConsGenIncProcessModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consindshock/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consindshock</image:title>
            <image:caption>ConsIndShock Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/conslabormodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Conslabormodel</image:title>
            <image:caption>ConsLaborModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consmarkovmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consmarkovmodel</image:title>
            <image:caption>ConsMarkovModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consmedmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consmedmodel</image:title>
            <image:caption>ConsMedModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consportfoliomodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consportfoliomodel</image:title>
            <image:caption>ConsPortfolioModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consprefshockmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consprefshockmodel</image:title>
            <image:caption>ConsPrefShockModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consrepagentmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consrepagentmodel</image:title>
            <image:caption>ConsRepAgentModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/consriskycontribmodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consriskycontribmodel</image:title>
            <image:caption>ConsRiskyContribModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/conssequentialportfoliomodel/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Conssequentialportfoliomodel</image:title>
            <image:caption>ConsSequentialPortfolioModel Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/dcegm-upper-envelope/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Dcegm Upper Envelope</image:title>
            <image:caption>DCEGM Upper Envelope</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/diamondolg/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Diamondolg</image:title>
            <image:caption>The Diamond OLG Model</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/distributionofwealthmpc/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>The distribution of wealth and the marginal propensity to consume</image:title>
            <image:caption></image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/durableconsumertype/</loc>
        <lastmod>2022-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>A Guide on Solving Non-convex Consumption-Saving Models</image:title>
            <image:caption>This REMARK replicates Druedahl, J. (2021). A guide on solving non-convex consumption-saving models.</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/endogenousretirement/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Endogenous Retirement: A Canonical Discrete-Continuous Problem</image:title>
            <image:caption>Endogenous Retirement - A Canonical Discrete-Continuous Problem. This REMARK demonstrates a solut...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/epiexp/</loc>
        <lastmod>2021-09-29</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Epidemiological Expectations in Economics</image:title>
            <image:caption>‘Epidemiological’ models of belief formation put social interactions at their core; such models a...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/fishertwoperiod/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Fishertwoperiod</image:title>
            <image:caption>The Fisher Two-Period Optimal Consumption Problem</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/ganongnoelui/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Consumer Spending during Unemployment: Positive and Normative Implications</image:title>
            <image:caption>Analysis of Models for "Consumer Spending During Unemployment- Positive and Normative Implications"</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/gentle-intro-to-hark-buffer-stock-model/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Gentle Intro To Hark Buffer Stock Model</image:title>
            <image:caption>A Gentle Introduction to Buffer Stock Saving</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/gentle-intro-to-hark-perfforesightcrra/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Gentle Intro To Hark Perfforesightcrra</image:title>
            <image:caption>A Gentle Introduction to HARK In Perfect Foresight</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/gentle-intro-to-hark/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Gentle Intro To Hark</image:title>
            <image:caption>A Gentle Introduction to HARK for Economists</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/hafiscal/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Welfare and Spending Effects of Consumption Stimulus Policies</image:title>
            <image:caption></image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/harmenberg-aggregation/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Harmenberg Aggregation</image:title>
            <image:caption>Demonstrates that the Harmenberg method speeds up calculations by as much as a factor of 100.</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/incexpectationexample/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Incexpectationexample</image:title>
            <image:caption>The Persistent Shock Model and Income Expectations</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/indshockconsumertype/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Indshockconsumertype</image:title>
            <image:caption>IndShockConsumerType Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/keynesfriedmanmodigliani/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Keynesfriedmanmodigliani</image:title>
            <image:caption>Introduction: Keynes, Friedman, Modigliani</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/kinkedrconsumertype/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Kinkedrconsumertype</image:title>
            <image:caption>KinkedRconsumerType Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/krusellsmith/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Income and Wealth Heterogeneity in the Macroeconomy</image:title>
            <image:caption>Income and wealth heterogeneity in the macroeconomy</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/lc-model-expected-vs-realized-income-growth/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Lc Model Expected Vs Realized Income Growth</image:title>
            <image:caption>This notebook examines the relationship between expected and actual income growth in a model with...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/lifecyclemodeltheoryvsdata/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Lifecyclemodeltheoryvsdata</image:title>
            <image:caption>The Life Cycle Model: Theory vs Data</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/liqconstr/</loc>
        <lastmod>2020-09-14</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Liquidity Constraints and Precautionary Saving</image:title>
            <image:caption>We provide the analytical explanation of strong interactions between precautionary sav- ing and l...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/lucas-asset-pricing-model/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Lucas Asset Pricing Model</image:title>
            <image:caption>A demonstration of the Lucas Asset-Pricing model</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/lucasassetprice/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Lucasassetprice</image:title>
            <image:caption>A demonstration of the Lucas Asset-Pricing model</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/mpc-out-of-credit-vs-mpc-out-of-income/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Mpc Out Of Credit Vs Mpc Out Of Income</image:title>
            <image:caption>The MPC out of Credit vs the MPC Out of Income</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/micro-and-macro-implications-of-very-impatient-hhs-problems/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Micro And Macro Implications Of Very Impatient Hhs Problems</image:title>
            <image:caption>Micro- and Macroeconomic Implications of Very Impatient Households</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/micro-and-macro-implications-of-very-impatient-hhs/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Micro And Macro Implications Of Very Impatient Hhs</image:title>
            <image:caption>Micro- and Macroeconomic Implications of Very Impatient Households</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/nondurables-during-great-recession/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Nondurables During Great Recession</image:title>
            <image:caption>Spending on Nondurables During the Great Recession</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/pandemic/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Modeling the Consumption Response to the CARES Act</image:title>
            <image:caption>To predict the eﬀects of the 2020 U.S. CARES Act on consumption, we extend a model that matches r...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/perfforesightcrra-approximation/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Perfforesightcrra Approximation</image:title>
            <image:caption>Perfect Foresight CRRA Model - Approximation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/perfforesightcrra-savingrate/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Perfforesightcrra Savingrate</image:title>
            <image:caption>Perfect Foresight CRRA Model - Savings Rate</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/perfforesightconsumertype/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Perfforesightconsumertype</image:title>
            <image:caption>PerfForesightConsumerType Documentation</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/portfoliochoiceblogpost/</loc>
        <lastmod>2026-03-11</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>Optimal Financial Investment over the Life Cycle - Blog Post</image:title>
            <image:caption>A blog post (https://econ-ark.github.io/PortfolioChoiceBlogPost/PortfolioChoiceBlogPost.html) sho...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/riskycontrib/</loc>
        <lastmod>2021-06-17</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
        <image:image>
            <image:loc>https://econ-ark.org//assets/img/econ-ark-logo.png</image:loc>
            <image:title>A Two-Asset Savings Model with an Income-Contribution Scheme</image:title>
            <image:caption>This paper develops a two-asset consumption-savings model and serves as the documentation of an o...</image:caption>
        </image:image>
    </url>
    
    <url>
        <loc>https://econ-ark.org//materials/sequentialegm/</loc>
        <lastmod>2026-03-11</lastmod>
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        <loc>https://econ-ark.org//materials/template/</loc>
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