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		<title>José Covas Real Estate</title>
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			<title>Quem é José Covas?</title>
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			<title>José Covas</title>
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			<title>José Covas</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:02:26 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/highlight/a-base-de-valor-vem-antes-do-numero/]]></guid>
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			<title>A base de valor vem antes do número</title>
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			<title>The basis of value comes before the number</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:01:32 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/o-que-e-o-shift-index/]]></guid>
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			<title>O que é o SHIFT index?</title>
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			<title>What is the SHIFT index?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:01:06 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/base-de-valor-segundo-as-ivs/]]></guid>
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			<title>O que é uma base de valor segundo as IVS?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:00:49 +0000]]></pubDate>
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			<title>What is a basis of value under IVS?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:00:41 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/valor-de-mercado-segundo-as-ivs/]]></guid>
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			<title>Valor de mercado segundo as IVS</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 10:00:07 +0000]]></pubDate>
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			<title>Market value under IVS</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:59:26 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/ivs-vs-red-book-qual-e-a-diferenca/]]></guid>
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			<title>IVS vs Red Book: qual é a diferença?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:59:18 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/guides/ivs-vs-red-book/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/ivs-vs-red-book/]]></link>
			<title>IVS vs Red Book: what is the difference?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:59:10 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/pt/o-que-sao-as-international-valuation-standards/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/o-que-sao-as-international-valuation-standards/]]></link>
			<title>O que são as International Valuation Standards (IVS)?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:58:53 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/guides/what-are-international-valuation-standards/]]></guid>
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			<title>What are the International Valuation Standards (IVS)?</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:58:45 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/pt/o-que-e-uma-avaliacao-red-book/]]></guid>
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			<title>O que é uma avaliação Red Book?</title>
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			<title>What is a Red Book valuation?</title>
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			<title>Glossário de avaliação: termos IVS e Red Book</title>
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			<title>Glosario de valoración: términos IVS y Libro Rojo</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:21:59 +0000]]></pubDate>
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			<title>Valuation glossary: IVS and Red Book terms</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:21:42 +0000]]></pubDate>
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			<title>Supuesto</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:18:49 +0000]]></pubDate>
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			<title>Condiciones de contratación (ámbito de trabajo)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:18:38 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/independencia-y-objetividad/]]></guid>
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			<title>Independencia y objetividad</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:18:22 +0000]]></pubDate>
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			<guid><![CDATA[https://josecovas.com/es/glosario/incertidumbre-sustancial-en-la-valoracion/]]></guid>
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			<title>Incertidumbre sustancial en la valoración</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:18:12 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/enfoque-de-rentas/]]></guid>
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			<title>Enfoque de rentas (capitalización y DFC)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:17:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/enfoque-de-mercado/]]></guid>
			<link><![CDATA[https://josecovas.com/es/glosario/enfoque-de-mercado/]]></link>
			<title>Enfoque de mercado (método de comparación)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:17:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/coste-de-reposicion-depreciado/]]></guid>
			<link><![CDATA[https://josecovas.com/es/glosario/coste-de-reposicion-depreciado/]]></link>
			<title>Coste de reposición depreciado (CRD)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:17:30 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/valor-del-credito-hipotecario/]]></guid>
			<link><![CDATA[https://josecovas.com/es/glosario/valor-del-credito-hipotecario/]]></link>
			<title>Valor del crédito hipotecario</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:17:19 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/valor-razonable/]]></guid>
			<link><![CDATA[https://josecovas.com/es/glosario/valor-razonable/]]></link>
			<title>Valor razonable (NIIF 13)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:17:04 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/es/glosario/mayor-y-mejor-uso/]]></guid>
			<link><![CDATA[https://josecovas.com/es/glosario/mayor-y-mejor-uso/]]></link>
			<title>Mayor y mejor uso</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:16:53 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/pressuposto/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/pressuposto/]]></link>
			<title>Pressuposto</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:16:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/termos-do-trabalho/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/termos-do-trabalho/]]></link>
			<title>Termos do trabalho (âmbito do trabalho)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:16:22 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/independencia-e-objetividade/]]></guid>
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			<title>Independência e objetividade</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:16:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/incerteza-material-na-avaliacao/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/incerteza-material-na-avaliacao/]]></link>
			<title>Incerteza material na avaliação</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:15:57 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/abordagem-do-rendimento/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/abordagem-do-rendimento/]]></link>
			<title>Abordagem do rendimento (capitalização e DCF)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:15:41 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/abordagem-de-mercado/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/abordagem-de-mercado/]]></link>
			<title>Abordagem de mercado (método comparativo)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:15:31 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/custo-de-substituicao-depreciado/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/custo-de-substituicao-depreciado/]]></link>
			<title>Custo de substituição depreciado (DRC)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:15:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/valor-hipotecario/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/valor-hipotecario/]]></link>
			<title>Valor hipotecário (mortgage lending value)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:15:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/justo-valor/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/justo-valor/]]></link>
			<title>Justo valor (IFRS 13)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:14:44 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/pt/glossario-avaliacao/maior-e-melhor-uso/]]></guid>
			<link><![CDATA[https://josecovas.com/pt/glossario-avaliacao/maior-e-melhor-uso/]]></link>
			<title>Maior e melhor uso</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:14:33 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/assumption/]]></guid>
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			<title>Assumption</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:14:18 +0000]]></pubDate>
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					<item>
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			<link><![CDATA[https://josecovas.com/guides/glossary/terms-of-engagement/]]></link>
			<title>Terms of engagement (scope of work)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:14:08 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/independence-and-objectivity/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/glossary/independence-and-objectivity/]]></link>
			<title>Independence and objectivity</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:13:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/material-valuation-uncertainty/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/glossary/material-valuation-uncertainty/]]></link>
			<title>Material valuation uncertainty</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:13:20 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/income-approach/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/glossary/income-approach/]]></link>
			<title>Income approach (capitalisation and DCF)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:13:10 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/market-approach/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/glossary/market-approach/]]></link>
			<title>Market approach (comparable method)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:13:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/guides/glossary/depreciated-replacement-cost/]]></guid>
			<link><![CDATA[https://josecovas.com/guides/glossary/depreciated-replacement-cost/]]></link>
			<title>Depreciated replacement cost (DRC)</title>
			<pubDate><![CDATA[Tue, 10 Nov 2026 09:12:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://josecovas.com/]]></guid>
			<link><![CDATA[https://josecovas.com/]]></link>
			<title>Homepage</title>
			<pubDate><![CDATA[Wed, 04 Nov 2026 20:33:05 +0000]]></pubDate>
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