<?xml version="1.0" encoding="UTF-8"?>
<!--
  RefiFastCalc sitemap (RFC-SEO-1). public/ is copied to the export root, so this
  ships at /sitemap.xml and is referenced from /robots.txt.

  EVERY indexable route is listed and NOTHING else. The two personal surfaces
  (/loans, /best-match) are deliberately absent: they render `noindex`, and listing
  a noindex URL in a sitemap is a direct contradiction that Search Console reports
  as an error. `scripts/check-seo.mjs` enforces both halves of that rule against the
  real route files — if a route is added, moved, or flips its noindex flag without
  this file being updated, `npm run lint` FAILS. No lastmod is published: a
  hardcoded date would start lying the day after it was written.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://refifastcalc.com/</loc></url>
  <url><loc>https://refifastcalc.com/app</loc></url>

  <!-- Content depth: one indexable page per loan type (RFC-SEO-1) -->
  <url><loc>https://refifastcalc.com/refinance/home</loc></url>
  <url><loc>https://refifastcalc.com/refinance/auto</loc></url>
  <url><loc>https://refifastcalc.com/refinance/business</loc></url>
  <url><loc>https://refifastcalc.com/refinance/credit-card</loc></url>
  <url><loc>https://refifastcalc.com/refinance/personal</loc></url>
  <url><loc>https://refifastcalc.com/methodology</loc></url>
  <url><loc>https://refifastcalc.com/faq</loc></url>

  <!-- Lender layer -->
  <url><loc>https://refifastcalc.com/prequal</loc></url>
  <url><loc>https://refifastcalc.com/lenders</loc></url>

  <!-- Legal / brand -->
  <url><loc>https://refifastcalc.com/privacy</loc></url>
  <url><loc>https://refifastcalc.com/terms</loc></url>
  <url><loc>https://refifastcalc.com/disclaimer</loc></url>
  <url><loc>https://refifastcalc.com/about</loc></url>
  <url><loc>https://refifastcalc.com/support</loc></url>
</urlset>
