<?xml version="1.0" encoding="UTF-8"?>
<!--
  Prime Refine Group sitemap.

  Every public page, written by hand because there are nine of them and no
  build step to generate it. /admin is deliberately absent (it is internal and
  disallowed in robots.txt) and so is /404 (a page that exists to say a page
  does not exist has no business in an index).

  Priority is relative, not absolute. The home page and the onboarding page
  share the top slot: one is the front door, the other is where a carrier
  actually signs up. Keep lastmod honest, and update it when a page changes.

  LASTMOD, 2026-08-06. Every entry moved from 08-04 to 08-06, and that is not
  a lazy bulk edit - it was checked page by page against the commit history.
  The six pages rewritten in the redesign (/, /about, /services, /contact,
  /carriers, /terms) are the obvious ones. The other three moved because they
  changed too, materially and visibly, on the same day: /privacy and
  /carrier-onboarding took the new identity in ab62e74 (theme-color, favicon
  and the whole webfont stack changed), /sms-terms was rewritten in 8ef4718 to
  put SMS consent ahead of vetting, and /carrier-onboarding changed again when
  the jsPDF loader got its SRI hashes. A one-commit git log per page file dates
  all nine to 2026-08-06, so there is no URL here that can honestly claim an
  older date. Do not bulk-edit these next time: check the log.
  (Careful writing that command in here: two consecutive hyphens are illegal
  inside an XML comment and will break the whole file.)

  The host is the apex, https, no www, which is the canonical host every page
  declares in <link rel=canonical> and the one the live site settles on (www
  and http both 301 to it). All nine <loc> values were requested against the
  live site on 2026-08-06 and every one returned 200.

  /admin and /404 stay out. So do the legacy /index.html and
  /carrier-onboarding.html paths, which currently answer 200 instead of
  redirecting - see RESUME.md, "Redirects that must be re-entered in Render".
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <url>
    <loc>https://primerefinegroup.com/</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/carrier-onboarding</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/carriers</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/services</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/contact</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/about</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/privacy</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/terms</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://primerefinegroup.com/sms-terms</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
