<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>19</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Clayton M. Christensen</style></author><author><style face="normal" font="default" size="100%">Michael E. Raynor</style></author><author><style face="normal" font="default" size="100%">Rory McDonald</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">What Is Disruptive Innovation?</style></title><secondary-title><style face="normal" font="default" size="100%">Harvard Business Review</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2015</style></year><pub-dates><date><style  face="normal" font="default" size="100%">December 2015</style></date></pub-dates></dates><urls><web-urls><url><style face="normal" font="default" size="100%">https://hbr.org/2015/12/what-is-disruptive-innovation</style></url></web-urls></urls><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>