<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/766c19ae8d0f4e46a67b8db3b1d29c8f&quot; frameborder=&quot;0&quot; width=&quot;1920&quot; height=&quot;1440&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1440</height><width>1920</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1440</thumbnail_height><thumbnail_width>1920</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/766c19ae8d0f4e46a67b8db3b1d29c8f-9b8bdca6ab47d1ac-full.jpg</thumbnail_url><duration>283.966667</duration><title>StretchDollar ICHRA: Smart Rate vs flat rate</title><description>Choosing Smart Rates vs. flat rates really comes down to how much flexibility the employer wants in their benefit design. Check out the video and learn more.</description></oembed>