<?xml version="1.0" encoding="UTF-8"?>
<!--
  The pages that are actually pages. URLs match the <link rel="canonical">
  each page declares exactly (no trailing slashes, no index.html), because a
  sitemap that lists a non-canonical variant asks Google to index a duplicate
  and then tells it not to, which is worse than no sitemap.

  Deliberately absent: the /li, /x, /tt ... shortlinks (redirects, not pages;
  also robots-disallowed) and /index.html, which 308s to /.

  /guides/* are the evergreen educational pages (CAMPAIGN-PLAN.md item 5).
  Every figure on them is recomputed from lib/financial by
  tests/unit/guideFigures.test.ts, so a page cannot quietly disagree with the
  app. Bump lastmod when a page's words change, not on every deploy.
-->
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    <lastmod>2026-09-12</lastmod>
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    <lastmod>2026-09-12</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://advizel.com/guides/why-minimum-payments-cost-so-much</loc>
    <lastmod>2026-09-12</lastmod>
    <changefreq>monthly</changefreq>
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