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    <video:video><video:thumbnail_loc>https://foundwellacademy.com/understanding-economics/posters/ch5.jpg</video:thumbnail_loc><video:title>Chapter 5: Money, Banking &amp; Interest Rates</video:title><video:description>Chapter 5 of Understanding Economics, a free video course: what money is, how banks create money, the Fed and its tools, why interest rates move, and how Fed decisions reach your loan.</video:description><video:content_loc>https://foundwellacademy.com/understanding-economics/m/ue-ch5-r1.mp4</video:content_loc><video:duration>2054</video:duration><video:publication_date>2026-11-07T23:00:00-05:00</video:publication_date><video:family_friendly>yes</video:family_friendly></video:video>
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  <url><loc>https://foundwellacademy.com/understanding-economics/chapter-6/</loc><lastmod>2026-11-08</lastmod>
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