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    <lastmod>2025-11-04</lastmod>
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      <image:title>Media - Gibbins Advisors receives award for Healthcare/Life Sciences Deal of the Year (under $1B) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://gibbinsadvisors.com/media/larger-medical-bankruptcies-less-frequent-in-2024-report</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/steward-health-ch-11-lifts-lid-on-pe-in-healthcare</loc>
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    <lastmod>2025-06-30</lastmod>
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    <lastmod>2025-08-28</lastmod>
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    <loc>https://gibbinsadvisors.com/media/hampk-podcast-findings-from-gibbins-annual-healthcare-bankruptcy-report</loc>
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    <lastmod>2025-06-30</lastmod>
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    <lastmod>2025-09-14</lastmod>
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    <loc>https://gibbinsadvisors.com/media/podcast-whats-unique-about-distressed-transactions-in-the-healthcare-sector</loc>
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    <lastmod>2025-06-30</lastmod>
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    <loc>https://gibbinsadvisors.com/media/healthcare-restructuring-set-for-another-busy-year</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/various-media-outlets-report-on-gibbins-advisors-healthcare-bankruptcy-research</loc>
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    <lastmod>2025-07-18</lastmod>
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    <loc>https://gibbinsadvisors.com/media/surprise-medical-billing-law-heaps-pressure-on-healthcare-providers</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/healthcare-bankruptcies-are-rising-here-are-five-major-filings-so-far-in-2023</loc>
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    <loc>https://gibbinsadvisors.com/media/ban-on-surprise-medical-bills-pushes-more-health-bonds-to-brink</loc>
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    <lastmod>2025-07-31</lastmod>
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      <image:title>Media - Ban on Surprise Medical Bills Pushes More Health Bonds to Brink - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://gibbinsadvisors.com/media/from-crisis-to-opportunity-distressed-health-care-deals</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/navigating-the-turbulent-waters-of-healthcare-mampa</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/hospital-distress-worsens-amid-labor-scarcity-and-inflation</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/bankruptcies-mounting-in-troubled-nursing-home-industry</loc>
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    <lastmod>2025-07-31</lastmod>
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    <loc>https://gibbinsadvisors.com/media/health-care-bankruptcies-are-skyrocketing-but-not-yet-in-home-based-care</loc>
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    <lastmod>2025-07-31</lastmod>
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  <url>
    <loc>https://gibbinsadvisors.com/media/category/ttest8</loc>
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    <lastmod>2026-03-21</lastmod>
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    <loc>https://gibbinsadvisors.com/research/senior-care-subsector-research</loc>
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    <lastmod>2026-03-25</lastmod>
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    <lastmod>2026-01-22</lastmod>
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    <lastmod>2025-11-04</lastmod>
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    <lastmod>2025-10-29</lastmod>
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    <loc>https://gibbinsadvisors.com/research/healthcare-sector-bankruptcy-filings-in-2024-reach-second-highest</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-27</lastmod>
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    <loc>https://gibbinsadvisors.com/research/q3-2024-marks-the-lowest-number-of-quarterly-healthcare-bankruptcies</loc>
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    <lastmod>2025-10-29</lastmod>
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    <lastmod>2025-10-29</lastmod>
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    <loc>https://gibbinsadvisors.com/research/record-bankruptcy-filings-in-the-healthcare-sector-in-2023</loc>
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    <lastmod>2025-10-29</lastmod>
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  <url>
    <loc>https://gibbinsadvisors.com/research/healthcare-sector-bankruptcy-filings-surge-in-2023-trending-to-triple-the-levels-of-2021</loc>
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    <lastmod>2025-10-29</lastmod>
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  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action</loc>
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    <priority>0.75</priority>
    <lastmod>2026-01-28</lastmod>
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    <loc>https://gibbinsadvisors.com/experience-in-action/bellevue-hospital</loc>
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    <lastmod>2025-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/1756514842729-GTKVR2DI56LK6FZIKBP2/iStock-1458668107.jpg</image:loc>
      <image:title>Experience in Action - Supported 100% recovery to the hospital's secured lender - Situation Overview</image:title>
      <image:caption>Facing a liquidity crisis and imminent Chapter 11 filing, Bellevue Hospital (Ohio) sought a transaction and identified an insider as a potential acquiror. As originally proposed, the transaction value was far less than the Hospital’s secured debt.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/67dd5916-f42a-4cc1-ba5a-3841639652ac/Infographic-Bellevue_Hospital.png</image:loc>
      <image:title>Experience in Action - Supported 100% recovery to the hospital's secured lender - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/8d60746d-c8c3-4189-a52b-b379ae786ee0/Infographics-Bellevue.png</image:loc>
      <image:title>Experience in Action - Supported 100% recovery to the hospital's secured lender - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/pain-practice-diagnostic-laboratory</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/78816d3d-96e3-426b-8027-bb0da603a968/iStock-1134679866.jpg</image:loc>
      <image:title>Experience in Action - Delivered a successful out-of-court wind down of physician practices - Situation Overview</image:title>
      <image:caption>Multi-state pain management physician practice including a captive toxicology lab business. Following a period of rapid growth, the company faced financial woes partially resulting from government actions regarding allegations of over-utilization of urine tests for patients of its clinics.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/3da209ec-90ef-45dd-9964-05d6aa89b2d1/Frame+1.png</image:loc>
      <image:title>Experience in Action - Delivered a successful out-of-court wind down of physician practices - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/central-iowa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/e30e4e64-1feb-4a89-833d-593b555609db/Central+Iowa+Healthcare</image:loc>
      <image:title>Experience in Action - Secured a sustainable future for a critical regional hospital - Situation Overview</image:title>
      <image:caption>Central Iowa Healthcare (CIH), a 49-bed acute care hospital with associated clinics, was the sixth-largest employer in Marshalltown, Iowa. The organization faced mounting financial pressures from a failed EMR implementation, declining patient volumes, reimbursement pressure, and inability to access needed capital for modernization. By late 2016, CIH had sustained losses of nearly $20 million over two years, resulting in severe liquidity strain and inability to meet debt obligations.</image:caption>
    </image:image>
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    <loc>https://gibbinsadvisors.com/experience-in-action/desert-healthcare</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/1755861666300-OUXGJXQ2H3KBJ10DSIET/pexels-oles-kanebckuu-34911-127873.jpg</image:loc>
      <image:title>Experience in Action - Strategic decision support: Operate or lease? - Situation Overview</image:title>
      <image:caption>With its long-term lease of Desert Regional Medical Center to Tenet Healthcare expiring in 2027, Desert Healthcare District faced a pivotal crossroads: negotiate a 30-year lease extension with Tenet or assume direct operating control and revert the hospital to a standalone nonprofit. To guide this critical decision, the District engaged Gibbins Advisors as an independent advisor to deliver a thorough evaluation and objective recommendations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/ccfd0325-1c57-461a-baae-f1503b173501/Frame+8.png</image:loc>
      <image:title>Experience in Action - Strategic decision support: Operate or lease? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/tabor-manor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/8060954d-c300-4bda-b915-ede1626970ad/iStock-1468293223-award.jpg</image:loc>
      <image:title>Experience in Action - Award-winning SNF reorganization and turnaround - Situation Overview</image:title>
      <image:caption>The skilled nursing facility, family-owned for nearly 50 years and an important local employer, was recovering from the impact of the COVID-19 pandemic and held insufficient cash to repay the State of Iowa’s Quality Assurance Assessment Fees (“QAAF”). Negotiations with the state reached an impasse due to statutory-based repayment requirements.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/mission-health</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/40ce19a5-b676-4cb1-b0bb-61ed39284bcb/Blue+Ridge+Mountains.jpg</image:loc>
      <image:title>Experience in Action - Effective post-transaction Monitor of a 7-hospital system - Situation Overview</image:title>
      <image:caption>In January 2019, HCA acquired Mission Health System in Western North Carolina in a $1.5 billion transaction that included seven hospitals and other healthcare facilities. As part of the approval process, the North Carolina Attorney General required an Independent Monitor to oversee HCA’s compliance with its contractual commitments in the purchase agreement.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/d3a9c21c-5063-4e93-a187-443cbb394e35/Screen+Shot+2025-08-30+at+5.17.01+pm.png</image:loc>
      <image:title>Experience in Action - Effective post-transaction Monitor of a 7-hospital system - Make it stand out</image:title>
      <image:caption>We have proven acumen to work with all stakeholders to serve in the Independent Monitor role and provide the transparency that instills confidence and an understanding of the monitoring process.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/primary-care-group-practices-northeast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/8e75a067-fbc1-499e-a9d4-a3b3837b0b3b/iStock-1322616160.jpg</image:loc>
      <image:title>Experience in Action - Optimized value to physician owners in successful sale - Situation Overview</image:title>
      <image:caption>A 400+ physician group faced capital constraints during COVID-19, requiring recapitalization with its joint venture (JV) partner. After a rebound in performance, the group elected to pursue a strategic transaction.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/cfea523f-8383-4364-b231-7ce0db710520/Frame+2.png</image:loc>
      <image:title>Experience in Action - Optimized value to physician owners in successful sale - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/55426dd1-b0d6-4d4e-98aa-897dad7504e3/Frame+3.png</image:loc>
      <image:title>Experience in Action - Optimized value to physician owners in successful sale - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/healthscope</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/d75e30f2-50d1-4a71-8ac0-05c7bab99bdc/iStock-1321691597.jpg</image:loc>
      <image:title>Experience in Action - Crisis management and opportunity sizing for 43-hospital system - Situation Overview</image:title>
      <image:caption>Brookfield acquired Healthscope with the ambition of transforming it from a federated network of hospitals into an integrated healthcare system. Following the acquisition, a new executive team was installed (with the exception of the CMO) and had just commenced developing a 5-year strategic plan when COVID-19 hit.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/feb9cb01-f3df-4b2b-8103-2e879517736f/Frame+4.png</image:loc>
      <image:title>Experience in Action - Crisis management and opportunity sizing for 43-hospital system - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://gibbinsadvisors.com/experience-in-action/chronic-care-management-provider</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
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      <image:title>Experience in Action - Contingency planning for home-based health provider - Situation Overview</image:title>
      <image:caption>A promising growth-stage health provider with a transformational care delivery model faced significant operating losses that required ongoing capital infusions. When a planned capital restructuring was blocked by an early investor, the company risked running out of liquidity and being forced to cease its operations.</image:caption>
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    <loc>https://gibbinsadvisors.com/experience-in-action/nonprofit-mission-based-safety-net-hospitals</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
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      <image:title>Experience in Action - Merger and synergy planning for distressed safety net hospitals - Situation Overview</image:title>
      <image:caption>Two religiously sponsored nonprofit hospital systems, both serving disadvantaged communities with a high government payor mix, were encouraged by the State Department of Health to explore a partnership. The aim was to achieve efficiencies and reduce reliance on ongoing emergency funding.</image:caption>
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    <image:image>
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      <image:title>Experience in Action - Merger and synergy planning for distressed safety net hospitals - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://gibbinsadvisors.com/experience-in-action/facility-assisted-living-memory-care-nonprofit</loc>
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    <lastmod>2025-09-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/78b4566d-94a8-4163-b936-4ac5a6d8b7fc/iStock-531921648.jpg</image:loc>
      <image:title>Experience in Action - Senior living competitive assessment and turnaround planning - Situation Overview</image:title>
      <image:caption>A Midwestern senior care provider (AL/IL/MC) expanded rapidly through acquisitions, reaching 30+ facilities. However, occupancy stagnated while rising labor costs, staffing challenges, and weak marketing eroded profitability. By 2024, operating losses and debt service drained cash reserves, leaving the organization with limited liquidity, covenant breaches, and mounting lender pressure. The company engaged Gibbins Advisors to chart a path to long-term sustainability.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/d8b5bcc9-ae4e-4a88-9696-c0228836fc1d/Frame+9.png</image:loc>
      <image:title>Experience in Action - Senior living competitive assessment and turnaround planning - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://gibbinsadvisors.com/experience-in-action/qhc-facilities</loc>
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    <lastmod>2026-01-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/dd8771f4-2104-438d-a9f8-f295bb18bc53/iStock-1408478678-award.jpg</image:loc>
      <image:title>Experience in Action - Award-winning restructuring of a 10-site senior care portfolio - Situation Overview</image:title>
      <image:caption>QHC Facilities, LLC and affiliates operated eight skilled nursing facilities and two assisted living facilities in Iowa. Years of declining census, Medicaid rate reductions, and rising nurse staffing costs had eroded profitability and created severe cash flow challenges. The Company also faced leadership disruption following the deaths of its Owner/CEO/CFO and, shortly thereafter, his wife, the sole owner.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/d4e3e3c6-ea18-4a77-bed6-3f6dec9ef871/Frame+7.png</image:loc>
      <image:title>Experience in Action - Award-winning restructuring of a 10-site senior care portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://gibbinsadvisors.com/experience-in-action/grupo-hima-san-pablo</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6806e9bb1a73e928f078432d/e8d654fe-0aeb-4086-8d81-5ae216afaa74/iStock-2049680076.jpg</image:loc>
      <image:title>Experience in Action - Advised the UCC in one of Puerto Rico's largest commercial bankruptcies - Situation Overview</image:title>
      <image:caption>Grupo HIMA San Pablo, Puerto Rico’s largest private hospital system, entered Chapter 11 with ~$248m in secured debt and over $200m in unsecured claims. Given the debt load, unsecured creditors faced bleak prospects for recovery. Recoveries were only possible through successful negotiations with secured lenders and a global settlement.</image:caption>
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    <priority>0.5</priority>
    <lastmod>2025-09-04</lastmod>
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      <image:title>Experience in Action - Appointed Receiver to wind down the hospital and realize assets - Situation Overview</image:title>
      <image:caption>Community Memorial Hospital, a Critical Access Hospital in Ohio, faced devastating financial collapse. Severe cash distress caused by a $25 million loss from a fraudulent lab scheme by former management, a failed EMR conversion, and other challenges ultimately led to halting clinical services and terminating nearly all employees. The hospital was also accused of withholding nearly $3 million in employee retirement contributions that should have gone to Ohio Public Employees Retirement System (OPERS).</image:caption>
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    <loc>https://gibbinsadvisors.com/experience-in-action/category/Community+Hospital</loc>
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    <loc>https://gibbinsadvisors.com/experience-in-action/category/Health+System</loc>
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    <loc>https://gibbinsadvisors.com/experience-in-action/category/Nature+of+the+Engagement</loc>
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    <loc>https://gibbinsadvisors.com/experience-in-action/tag/PE-backed</loc>
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    <loc>https://gibbinsadvisors.com/experience-in-action/tag/Nonprofit</loc>
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    <priority>0.75</priority>
    <lastmod>2025-09-28</lastmod>
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    <lastmod>2025-09-04</lastmod>
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    <lastmod>2025-09-27</lastmod>
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