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  <!-- Financial Guide Detail Pages - UPDATED WITH SLUGS -->
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  <!-- Legal Pages -->
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    <lastmod>2025-05-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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    <loc>https://wagecalculator.online/disclaimer</loc>
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    <lastmod>2025-05-27</lastmod>
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    <priority>0.3</priority>
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  <url>
    <loc>https://wagecalculator.online/terms</loc>
    <lastmod>2025-05-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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