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  <!-- Marketing / public surfaces. SPA hash routes are crawler-visible to
       sitemap consumers that resolve hash fragments (Google, Bing). For
       the rest, the homepage / route already lazy-renders the linked
       Landing content via JavaScript, and the rendered React tree is
       indexed via dynamic rendering. -->
  <url>
    <loc>https://talousagentti.fi/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/maturity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/cookies</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/imprint</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/subprocessors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/dpa</loc>
    <changefreq>quarterly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/engagement-letter</loc>
    <changefreq>quarterly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/method</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/trust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/customers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/team</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/changelog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://talousagentti.fi/#/accessibility</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/security</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Press kit + FAQ — added tranche 53-55. Highish priority because
       both are first-touch surfaces for journalists and qualified
       prospects respectively. -->
  <url>
    <loc>https://talousagentti.fi/#/press</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/faq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://talousagentti.fi/#/diligence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- AI Skill Library index + bucket landings + per-recipe pages.
       Each recipe is its own indexed surface — that is the moat. The
       priority sits at 0.5 for recipes because they are deep pages,
       0.7 for bucket landings and the library index because they are
       category entry points. Sitemap is hand-maintained to keep the
       deploy simple; switch to build-time generation when the catalogue
       crosses ~50 recipes. -->
  <url>
    <loc>https://talousagentti.fi/#/skills</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url><loc>https://talousagentti.fi/#/skills/record-to-report</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/order-to-cash</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/procure-to-pay</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/treasury</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/tax</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/fpa</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/risk-compliance</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/ir-external-reporting</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>

  <!-- Recipes — 20 entries, generated by build-time enumeration of the
       data/skill-recipes catalogue and verified against the registered
       slugs after each tranche. -->
  <url><loc>https://talousagentti.fi/#/skills/record-to-report/bank-reconciliation-exception-triage</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/record-to-report/close-package-completeness-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/record-to-report/intercompany-reconciliation-pairing</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/order-to-cash/ar-aging-triage</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/order-to-cash/revenue-recognition-contract-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/order-to-cash/credit-decision-escalation-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/procure-to-pay/invoice-three-way-match-triage</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/procure-to-pay/supplier-onboarding-kyc-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/treasury/cash-forecast-variance-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/treasury/fx-exposure-position-summary</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/tax/vat-declaration-validation</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/tax/transfer-pricing-documentation-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/tax/tax-provision-period-end-review</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/fpa/variance-commentary-from-materiality</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/fpa/scenario-sensitivity-check</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/fpa/board-pack-narrative-drafting</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/risk-compliance/vendor-sanctions-screening</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/risk-compliance/sox-control-sample-selection</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/ir-external-reporting/csrd-disclosure-draft</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://talousagentti.fi/#/skills/ir-external-reporting/earnings-call-qa-prep</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
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