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  <!-- Homepage -->
  <url>
    <loc>https://metricledgerhq.com/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Complete Tools Directory -->
  <url>
    <loc>https://metricledgerhq.com/tools/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Corporate & Compliance Pages -->
  <url>
    <loc>https://metricledgerhq.com/about-us/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/contact-us/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/privacy-policy/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/terms-of-service/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Silo 1 Hub: Real Estate & Finance -->
  <url>
    <loc>https://metricledgerhq.com/real-estate-finance/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/real-estate-finance/rental-roi-mortgage-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/real-estate-finance/buy-vs-rent-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/real-estate-finance/cap-rate-dscr-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/real-estate-finance/1031-exchange-capital-gains-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Silo 2 Hub: AI & Automation ROI -->
  <url>
    <loc>https://metricledgerhq.com/ai-automation-roi/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/ai-automation-roi/llm-api-cost-roi-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/ai-automation-roi/rag-vs-finetuning-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/ai-automation-roi/ai-agent-workforce-roi-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/ai-automation-roi/gpu-cloud-vs-onprem-tco-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Silo 3 Hub: Cloud & Cybersecurity -->
  <url>
    <loc>https://metricledgerhq.com/cloud-cybersecurity/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/cloud-cybersecurity/cloud-tco-egress-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/cloud-cybersecurity/serverless-vs-containers-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/cloud-cybersecurity/soc2-iso27001-compliance-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/cloud-cybersecurity/multi-cloud-dr-backup-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Silo 4 Hub: Legal & Insurance Tech -->
  <url>
    <loc>https://metricledgerhq.com/legal-insurance/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/legal-insurance/commercial-insurance-estimator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/legal-insurance/data-breach-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/legal-insurance/saas-sla-downtime-penalty-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/legal-insurance/ip-patent-trademark-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Silo 5 Hub: Global Tax & Remote Work -->
  <url>
    <loc>https://metricledgerhq.com/global-tax-nomad/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/global-tax-nomad/expat-nomad-tax-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/global-tax-nomad/us-llc-vs-s-corp-tax-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/global-tax-nomad/remote-contractor-vs-eor-cost-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://metricledgerhq.com/global-tax-nomad/golden-visa-tax-residency-calculator/</loc>
    <lastmod>2026-11-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

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