<?xml version="1.0" encoding="UTF-8"?>
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        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
  
  <!-- Public Landing Pages - High Priority for SEO -->
  <url>
    <loc>https://zerodeficitsync.com/</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/login</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/pricing</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/privacy</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/terms</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <!-- Business Mode - Core Features -->
  <url>
    <loc>https://zerodeficitsync.com/business/dashboard</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/profit-loss</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/expenses/manage</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/income</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/recurring-income</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/clients</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/invoices</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/projects</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/contractors</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/docs</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/mileage</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/quarterly-taxes</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/reports</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/business/schedule-c</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Personal Mode - Core Features -->
  <url>
    <loc>https://zerodeficitsync.com/personal/dashboard</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/expenses/manage</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/income</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/budgets</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/goals</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/subscriptions</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/docs</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zerodeficitsync.com/personal/reports</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Combined View -->
  <url>
    <loc>https://zerodeficitsync.com/combined</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
