<?xml version="1.0" encoding="utf-8"?><rss xmlns:media="http://search.yahoo.com/mrss/" xmlns:dc="http://purl.org/dc/elements/1.1/" version="2.0" xmlns:atom="http://www.w3.org/2005/Atom">  <channel>    <title>The Scotsman John Owen</title>    <link>https://www.scotsman.com/author/john-owen/rss</link>    <description>Visit now for the latest news direct from The Scotsman John Owen and updated throughout the day</description>    <language>en-gb</language>    <copyright>Copyright 2026, Iconic Media Group Ltd</copyright>    <pubDate>Thu, 05 Nov 2026 06:50:45 GMT</pubDate>    <dc:date>2026-11-05T06:50:45Z</dc:date>    <dc:language>en-gb</dc:language>    <dc:rights>Iconic Media Group Ltd or its affiliated companies. All rights reserved. 2026</dc:rights>    <atom:link rel="self" href="https://www.scotsman.com/author/john-owen/rss" type="application/rss+xml" />    <link rel="hub" href="https://pubsubhubbub.appspot.com/" />        <item>          <title><![CDATA[Edinburgh's financial sector manages funds worth £540 billion, so why do so few Scots invest? – John Owen]]></title>          <link>https://www.scotsman.com/news/opinion/columnists/edinburghs-financial-sector-manages-funds-worth-ps540-billion-so-why-do-so-few-scots-invest-9329637</link>          <description><![CDATA[<h3>A social taboo about money seems to be holding Scotland’s potential investors back</h3>]]></description>          <pubDate>Thu, 05 Nov 2026 06:00:18 GMT</pubDate>          <guid isPermaLink="false">9329637</guid>        <media:content url="https://www.scotsman.com/jpim-static/image/2026/11/04/12/38/GettyImages-2165544300.jpeg?width=1200&amp;auto=webp&amp;trim=0%2C0%2C0%2C0" type="image/jpeg" medium="image">            <media:credit>Getty Images</media:credit>            <media:text><![CDATA[Investing can seem like something that &#039;other people do&#039;. Picture: Michael M Santiago -  (Getty Images)]]></media:text>        </media:content>          <dc:creator><![CDATA[John Owen]]></dc:creator>          <dc:date>2026-11-05T06:00:18+00:00</dc:date>          <category><![CDATA[Columnists]]></category><category><![CDATA[Opinion]]></category><category><![CDATA[News]]></category>        </item>  </channel></rss>