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        <title>Standard Intelligence Research</title>
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        <description>Posts and white papers from Standard Intelligence on AI regulation and governance.</description>
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            <title><![CDATA[Buying AI Risk]]></title>
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            <pubDate>Mon, 19 Oct 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why AI exposure is paid in internal hours, how to measure it per system with eight definitions, and what to map, disclose and ask a carrier at renewal.]]></description>
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            <title><![CDATA[Pricing AI Risk]]></title>
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            <pubDate>Thu, 15 Oct 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[A per-system method for underwriting AI estates: the loss definition, sufficiency test, rating factors, credibility, contract terms and hazard validation tests.]]></description>
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            <title><![CDATA[Shipping Defensible AI]]></title>
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            <pubDate>Sun, 11 Oct 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How AI software vendors can build CRA, product liability and AI Act evidence into each release: release gate sealing, a duty matrix and an assurance pack.]]></description>
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        <item>
            <title><![CDATA[The Machinery Regulation Is the AI Regulation]]></title>
            <link>https://www.standardintelligence.com/research/library/machinery-is-the-ai-regulation</link>
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            <pubDate>Wed, 07 Oct 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How the Machinery Regulation governs AI from 20 January 2027: notified bodies for self-evolving safety components, Annex III, and substantial modification.]]></description>
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        <item>
            <title><![CDATA[Not the First Instrument]]></title>
            <link>https://www.standardintelligence.com/research/library/not-the-first-instrument</link>
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            <pubDate>Sat, 03 Oct 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why public law, the equality duty and data protection reach UK public bodies' automated decisions before the AI Act, what Bridges decided, and the first steps.]]></description>
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            <title><![CDATA[The Liability Clock Runs First]]></title>
            <link>https://www.standardintelligence.com/research/library/liability-clock-runs-first</link>
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            <pubDate>Tue, 29 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[The EU Product Liability Directive treats AI software as a product from 9 December 2026. What disclosure and presumptions mean, and ten actions for boards.]]></description>
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            <title><![CDATA[From Service to Product]]></title>
            <link>https://www.standardintelligence.com/research/library/from-service-to-product</link>
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            <pubDate>Fri, 25 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why predictive maintenance software is likely a product under Directive (EU) 2024/2853, how the presumptions and disclosure work, and which records to keep.]]></description>
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        <item>
            <title><![CDATA[The File Records the Answer, Not the Reasoning]]></title>
            <link>https://www.standardintelligence.com/research/library/file-records-the-answer</link>
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            <pubDate>Mon, 21 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What COBS 9A.2.9R and 9A.2.23R require of profiling and other advice tools, why files miss the basis, and the ten fields a reconstructable file should hold.]]></description>
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        <item>
            <title><![CDATA[Defensible Advice at Scale]]></title>
            <link>https://www.standardintelligence.com/research/library/defensible-advice-at-scale</link>
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            <pubDate>Thu, 17 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How law, audit and certification firms can give AI governance advice that stays defensible: versioned conclusions, recorded facts and an independence screen.]]></description>
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        <item>
            <title><![CDATA[Who Owns the Harm?]]></title>
            <link>https://www.standardintelligence.com/research/library/who-owns-the-harm</link>
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            <pubDate>Sun, 13 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How the EU AI Act connects to DORA, NIS2, CCD2, the GDPR and sectoral supervisors, where the rules collide, and why fairness needs a named senior owner.]]></description>
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            <title><![CDATA[Inside the Housing Management System]]></title>
            <link>https://www.standardintelligence.com/research/library/inside-the-housing-system</link>
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            <pubDate>Wed, 09 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What social landlords must be able to explain about allocation, arrears and repairs decisions their software makes, and a staged way to find and evidence them.]]></description>
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            <title><![CDATA[Extend the Safety Case]]></title>
            <link>https://www.standardintelligence.com/research/library/extend-the-safety-case</link>
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            <pubDate>Sat, 05 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How NHS trusts and suppliers can extend DCB0129 and DCB0160 to AI: six model hazard classes, competency per system and a model-level change trigger.]]></description>
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            <title><![CDATA[The Estate Nobody Owns]]></title>
            <link>https://www.standardintelligence.com/research/library/estate-nobody-owns</link>
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            <pubDate>Tue, 01 Sep 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How retailers can find and classify in-store vision and analytics systems, where AI Act and UK GDPR exposure sits, and how to remediate by configuration.]]></description>
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            <title><![CDATA[What Your Customers Are Required to Ask For]]></title>
            <link>https://www.standardintelligence.com/research/library/what-customers-must-ask</link>
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            <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How AI vendors work out which AI Act provision governs customer questions, the twelve fields buyers ask about, and why decision-level logging takes longest.]]></description>
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        <item>
            <title><![CDATA[Two Exposures, One Principle]]></title>
            <link>https://www.standardintelligence.com/research/library/two-exposures-one-principle</link>
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            <pubDate>Mon, 24 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What the SRA's August 2026 warning notice on AI means for firms, the case law behind it, six controls, and a two-stage structure for advising on the AI Act.]]></description>
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            <title><![CDATA[The Role Determination Problem]]></title>
            <link>https://www.standardintelligence.com/research/library/role-determination</link>
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            <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How Article 25 can make a deployer, importer or distributor the provider of a high-risk AI system, and how to record a role determination for each system.]]></description>
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        <item>
            <title><![CDATA[The Clearest High-Risk Category in the Act]]></title>
            <link>https://www.standardintelligence.com/research/library/recruitment-annex-iii</link>
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            <pubDate>Sun, 16 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Which recruitment tools are high-risk under the EU AI Act, when a staffing firm becomes the provider, and what a NYC Local Law 144 bias audit actually shows.]]></description>
        </item>
        <item>
            <title><![CDATA[Literacy as a Control, Not a Course]]></title>
            <link>https://www.standardintelligence.com/research/library/literacy-as-a-control</link>
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            <pubDate>Wed, 12 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why Article 26(2), not Article 4, will test AI oversight competence, and how one per-person register gating authority serves SM&CR, NIS2, DORA and the AI Act.]]></description>
        </item>
        <item>
            <title><![CDATA[One Assessment, Two Regimes]]></title>
            <link>https://www.standardintelligence.com/research/library/one-assessment-two-regimes</link>
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            <pubDate>Sat, 08 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How Article 43(3) puts AI Act conformity inside the MDR procedure, what Rule 11 decides, the five gaps an MDR file leaves, and what to ask your notified body.]]></description>
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        <item>
            <title><![CDATA[Education Is Already High-Risk]]></title>
            <link>https://www.standardintelligence.com/research/library/education-is-already-high-risk</link>
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            <pubDate>Tue, 04 Aug 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What Annex III point 3 means for admissions, grading and proctoring, what the Dutch and German proctoring cases held, and the first questions to ask suppliers.]]></description>
        </item>
        <item>
            <title><![CDATA[The Model Is Trained on Half the Test]]></title>
            <link>https://www.standardintelligence.com/research/library/half-the-test</link>
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            <pubDate>Fri, 31 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why default-trained credit models miss CONC's affordability limb, why adding a reviewer falls short, and the numbers and decision-time record lenders need.]]></description>
        </item>
        <item>
            <title><![CDATA[Fatigue Is Not an Emotion]]></title>
            <link>https://www.standardintelligence.com/research/library/fatigue-is-not-an-emotion</link>
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            <pubDate>Mon, 27 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How DDAW and ADDW relate to the AI Act's ban on emotion inference at work, why aftermarket monitoring and driver scoring carry the risk, and where fleets start.]]></description>
        </item>
        <item>
            <title><![CDATA[The Carve-Out and Its Conditions]]></title>
            <link>https://www.standardintelligence.com/research/library/carve-out-and-its-conditions</link>
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            <pubDate>Thu, 23 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How AML monitoring and risk rating can stay outside the AI Act's social scoring and crime-prediction bans, with nine questions to evidence each system.]]></description>
        </item>
        <item>
            <title><![CDATA[Two Clocks, One Incident]]></title>
            <link>https://www.standardintelligence.com/research/library/two-clocks-one-incident</link>
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            <pubDate>Sun, 19 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How NIS2's 24-hour clock and the AI Act's Article 73 apply to one AI incident in energy and utilities, who reports what, and the runbook change to make first.]]></description>
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        <item>
            <title><![CDATA[The Starting Point, Not the Answer]]></title>
            <link>https://www.standardintelligence.com/research/library/starting-point-not-the-answer</link>
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            <pubDate>Wed, 15 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What the Care Act, its guidance and the RAS case law (Savva, KM, Croydon) require of AI allocation tools in adult social care, and the first checks to run.]]></description>
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        <item>
            <title><![CDATA[The Register Nobody Has]]></title>
            <link>https://www.standardintelligence.com/research/library/register-nobody-has</link>
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            <pubDate>Sat, 11 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How to build an AI system register for the EU AI Act: find embedded, departmental and pilot AI, apply a boundary rule, and record the right fields and owners.]]></description>
        </item>
        <item>
            <title><![CDATA[One Model, Two Inventories]]></title>
            <link>https://www.standardintelligence.com/research/library/one-model-two-inventories</link>
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            <pubDate>Tue, 07 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Why a bank's SS1/23 inventory misses AI systems that shape decisions about customers and staff, how to find them, and why to keep one record with two views.]]></description>
        </item>
        <item>
            <title><![CDATA[Evidence That Survives Ten Years]]></title>
            <link>https://www.standardintelligence.com/research/library/evidence-that-survives</link>
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            <pubDate>Fri, 03 Jul 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What an AI decision record must hold to be defended a decade on, how the revised PLD's disclosure and presumption rules apply, and how to test reconstruction.]]></description>
        </item>
        <item>
            <title><![CDATA[Material to Whom?]]></title>
            <link>https://www.standardintelligence.com/research/library/material-to-whom</link>
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            <pubDate>Mon, 29 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How EIOPA's AI Opinion and Solvency II reach the insurance AI systems Annex III leaves out, with fairness metrics, impact assessments and first steps.]]></description>
        </item>
        <item>
            <title><![CDATA[The Declared Change Envelope]]></title>
            <link>https://www.standardintelligence.com/research/library/declared-change-envelope</link>
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            <pubDate>Thu, 25 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How the description of pre-determined changes shapes the Article 3(23) test, the five elements it needs, and what customers should check before they sign.]]></description>
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        <item>
            <title><![CDATA[Departure Rate]]></title>
            <link>https://www.standardintelligence.com/research/library/departure-rate</link>
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            <pubDate>Sun, 21 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[A diagnostic from existing logs that shows whether human review of automated decisions leaves any trace, how to read a near-zero rate, and what to claim.]]></description>
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        <item>
            <title><![CDATA[From Obligation to Evidence]]></title>
            <link>https://www.standardintelligence.com/research/library/trace-methodology</link>
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            <pubDate>Wed, 17 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How to govern one AI system under the AI Act, GDPR, NIS2 and ISO/IEC 42001 from one obligation register, with a five-phase loop and a maturity model by domain.]]></description>
        </item>
        <item>
            <title><![CDATA[The Tripartite Convergence]]></title>
            <link>https://www.standardintelligence.com/research/library/tripartite-convergence</link>
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            <pubDate>Sat, 13 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[A confidence-rated forecast of how global AI regulation consolidates into EU, China and Americas blocs, why US federal law is the hinge, and what to build.]]></description>
        </item>
        <item>
            <title><![CDATA[Ungoverned AI Systems]]></title>
            <link>https://www.standardintelligence.com/research/library/ungoverned-ai-enterprise-risk</link>
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            <pubDate>Tue, 09 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[A model of ungoverned AI risk across thirteen categories, with expected loss and leverage ratings that show where governance spending reduces loss the most.]]></description>
        </item>
        <item>
            <title><![CDATA[The Classification Decision]]></title>
            <link>https://www.standardintelligence.com/research/library/ai-risk-classification-decision-makers-guide</link>
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            <pubDate>Fri, 05 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Decide whether an AI use is prohibited, high-risk, transparency-only or minimal risk under the EU AI Act, with a nine-step tree and a plan to December 2027.]]></description>
        </item>
        <item>
            <title><![CDATA[Annex IV in Practice]]></title>
            <link>https://www.standardintelligence.com/research/library/annex-iv-in-practice</link>
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            <pubDate>Mon, 01 Jun 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What an Annex IV technical file must show for a high-risk AI system, its fourteen elements, where we judge files likeliest to fail and how to keep it current.]]></description>
        </item>
        <item>
            <title><![CDATA[Designing for Human Oversight]]></title>
            <link>https://www.standardintelligence.com/research/library/article-14-human-oversight</link>
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            <pubDate>Thu, 28 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How to meet EU AI Act Article 14: the five oversight abilities, the deployer's Article 26(2) duty, proportionate oversight, and testing that exposes theatre.]]></description>
        </item>
        <item>
            <title><![CDATA[Article 4 in Practice]]></title>
            <link>https://www.standardintelligence.com/research/library/article-4-ai-literacy</link>
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            <pubDate>Sun, 24 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What Article 4 of the EU AI Act asks for, how to tier AI literacy by role, why the people who can stop a system need most, and which records evidence it.]]></description>
        </item>
        <item>
            <title><![CDATA[Post-Market Monitoring Plans]]></title>
            <link>https://www.standardintelligence.com/research/library/article-72-post-market-monitoring</link>
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            <pubDate>Wed, 20 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What an Article 72 post-market monitoring plan must commit to, why it belongs in the technical documentation before launch, and how to build it on your tools.]]></description>
        </item>
        <item>
            <title><![CDATA[Conformity Assessment Pathways]]></title>
            <link>https://www.standardintelligence.com/research/library/conformity-assessment-pathways</link>
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            <pubDate>Sat, 16 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Four questions that settle which conformity route a high-risk AI system takes under Article 43, with a notified body scorecard and a declaration checklist.]]></description>
        </item>
        <item>
            <title><![CDATA[The Deployer's Burden]]></title>
            <link>https://www.standardintelligence.com/research/library/deployers-burden</link>
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            <pubDate>Tue, 12 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What Article 26 requires of deployers of high-risk AI, who must carry out an Article 27 fundamental rights impact assessment, and what to secure from providers.]]></description>
        </item>
        <item>
            <title><![CDATA[Enforcement Architecture]]></title>
            <link>https://www.standardintelligence.com/research/library/enforcement-architecture</link>
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            <pubDate>Fri, 08 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Which authority enforces the AI Act for your systems, what it can enforce before December 2027, what triggers an investigation, and seven actions to prepare.]]></description>
        </item>
        <item>
            <title><![CDATA[Enterprise Shift]]></title>
            <link>https://www.standardintelligence.com/research/library/enterprise-shift</link>
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            <pubDate>Mon, 04 May 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[A staged path for boards governing agentic AI at work: employment law anchors, board fluency, a governance budget target, incentives and a maturity model.]]></description>
        </item>
        <item>
            <title><![CDATA[EU AI Act Compliance Intelligence]]></title>
            <link>https://www.standardintelligence.com/research/library/eu-ai-act-compliance-intelligence</link>
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            <pubDate>Thu, 30 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What the EU AI Act asks of boards: who is in scope, key dates to 2030, how to classify systems, the eight high-risk pillars, fines and five first actions.]]></description>
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        <item>
            <title><![CDATA[Risk Classification]]></title>
            <link>https://www.standardintelligence.com/research/library/eu-ai-act-risk-classification</link>
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            <pubDate>Sun, 26 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How to classify an AI system under the EU AI Act: the four tiers, Annex III, the Article 6(3) exception, role under Article 25 and the dates that apply.]]></description>
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        <item>
            <title><![CDATA[EU AI Database Registration]]></title>
            <link>https://www.standardintelligence.com/research/library/eu-ai-database-registration</link>
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            <pubDate>Wed, 22 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Who must register in the EU AI database, including Annex III systems assessed as not high-risk, what Annex VIII requires, when, and how to keep entries current.]]></description>
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        <item>
            <title><![CDATA[EU AI Act in Financial Services]]></title>
            <link>https://www.standardintelligence.com/research/library/financial-services-eu-ai-act</link>
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            <pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How Annex III point 5 catches credit-scoring and life and health insurance AI, where EBA and EIOPA rules fall short, and when legacy models come into scope.]]></description>
        </item>
        <item>
            <title><![CDATA[EU AI Act in Human Resources]]></title>
            <link>https://www.standardintelligence.com/research/library/human-resources-eu-ai-act</link>
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            <pubDate>Tue, 14 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[What Annex III point 4 brings into scope, how the AI Act, GDPR and equality law combine, and how to evidence bias examination and genuine review in HR.]]></description>
        </item>
        <item>
            <title><![CDATA[Training Data Governance]]></title>
            <link>https://www.standardintelligence.com/research/library/training-data-governance-ai-act-gdpr</link>
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            <pubDate>Fri, 10 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[How Article 10 of the AI Act and the GDPR apply together to training data, where they conflict, and a five-phase framework that evidences both regimes at once.]]></description>
        </item>
        <item>
            <title><![CDATA[Drawing the Line]]></title>
            <link>https://www.standardintelligence.com/research/library/article-5-prohibited-practices</link>
            <guid isPermaLink="true">https://www.standardintelligence.com/research/library/article-5-prohibited-practices</guid>
            <pubDate>Mon, 06 Apr 2026 00:00:00 GMT</pubDate>
            <description><![CDATA[Where each of the ten AI Act Article 5 bans draws its line, why foreseeability and safeguards shape exposure, and how to screen and record a portfolio.]]></description>
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