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<!--
  The PUBLIC surfaces only: every page here renders its own content without a
  session. The signed-in app is not listed, because a sitemap is a list of
  things worth indexing and none of those pages mean anything without the
  reader's own data.

  22 Oct 2026: four entries left, because they no longer rendered anything of
  their own signed out. /why and /features forward to sections of /help since
  the 22 Sep declutter; /pricing sends everyone but an admin away while plans
  are on hold; /support shows a sign-in gate. A sitemap that lists a redirect
  or a gate tells a crawler the wrong page is the right one.

  Paths carry the trailing slash next.config.js exports them with. The US,
  Commodities and Mutual Funds books are not listed: they are not open to every
  reader yet, and signed out each shows nothing of its own.

  "/" is listed because it is the domain, and its HTML carries the metadata
  and the structured data. NOTE: on 22 Oct 2026 a signed-out visitor at "/" is
  sent on to /journal's sign-in gate, because the entry plan's `dashboard` is 0
  and app/page.tsx redirects on that before it reaches the signed-out landing.
-->

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  <url><loc>https://portfoliomirror.ai/</loc><lastmod>2026-10-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
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  <url><loc>https://portfoliomirror.ai/privacy/</loc><lastmod>2026-10-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://portfoliomirror.ai/terms/</loc><lastmod>2026-10-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
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