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  <!-- Core pages -->
  <url>
    <loc>https://reinforcementanalytics.in/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/build-in-public</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Pillar index pages -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/decision-psychology</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/goals</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/portfolio-intelligence</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- FI Lab articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire/what-is-your-fire-number-india</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire/lean-fat-barista-coast-fire-which-fits-you</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire/safe-withdrawal-rate-india</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire/coast-fire-calculator-india</loc>
    <lastmod>2026-05-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Portfolio Intelligence articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/portfolio-intelligence/is-it-safe-to-upload-cas-to-an-app</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ETF vs MF articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/regular-vs-direct-mutual-funds-india</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Goals articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/goals/childs-education-planning-india</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ETF vs MF articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/etf-vs-active-mutual-funds-india</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ETF vs MF — LTCG / Portfolio Intelligence -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/ltcg-tax-harvesting-india</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/portfolio-intelligence/what-is-xirr-real-returns</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Portfolio Intelligence — Overlap / XIRR -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/portfolio-intelligence/portfolio-overlap-how-many-mutual-funds</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Goals — Step-up SIP / Short vs Long Term -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/goals/step-up-sip-10-percent-annual-increase</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/goals/short-term-vs-long-term-investing-india</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- FD migration series (B-01 through B-06) -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/fd-vs-mutual-fund-real-returns-india</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/why-fd-losing-money-inflation-tax-india</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/arbitrage-funds-fd-alternative-india</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/etf-vs-mf/migrate-fd-to-index-funds-india</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/fire/ppf-not-enough-equity-wealth-creation-india</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/decision-psychology/fd-trap-safe-investment-opportunity-cost</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Decision Psychology articles -->
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/decision-psychology/why-investors-panic-behavioral-finance-india</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/decision-psychology/50-30-20-rule-india</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://reinforcementanalytics.in/wealth-decision-lab/decision-psychology/decision-fatigue-investing-too-many-choices</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

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