<?xml version="1.0" encoding="UTF-8"?>
<!-- 
  DEVELOPMENT sitemap - uses localhost
  
  For PRODUCTION: Set VITE_SITE_URL environment variable to your domain
  Example: VITE_SITE_URL=https://www.altusfinancesgroup.org
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  
  <url>
    <loc>http://localhost:5000/</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/about</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/how-it-works</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/products</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/contact</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/resources</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/terms</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <url>
    <loc>http://localhost:5000/privacy</loc>
    <lastmod>2025-11-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
