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  <!-- 2. Legal & Compliance Pages (Essential for AdSense) -->
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    <lastmod>2026-09-24</lastmod>
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  <!-- 3. Editorial Financial & Business Reports (21 Deep High-Value Articles) -->
  <!-- Original 6 Articles -->
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    <lastmod>2026-09-24</lastmod>
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    <lastmod>2026-09-24</lastmod>
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    <lastmod>2026-10-01</lastmod>
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  <!-- New 15 Comprehensive Articles -->
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    <loc>https://queen-news.com/profit-margin-pricing-guide.html</loc>
    <lastmod>2026-10-02</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-10-02</lastmod>
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  <url>
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    <lastmod>2026-10-02</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-10-02</lastmod>
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    <lastmod>2026-10-02</lastmod>
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    <lastmod>2026-10-02</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-10-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- 4. CLUSTER 1: Banking & Loans (8 Tools) -->
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    <loc>https://queen-news.com/personal-loan-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <loc>https://queen-news.com/mortgage-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- 5. CLUSTER 2: Wealth & Investment (8 Tools) -->
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    <loc>https://queen-news.com/compound-interest-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>daily</changefreq>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <priority>0.9</priority>
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  <url>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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  <!-- 6. CLUSTER 3: Freelance, Salary & Tax (8 Tools) -->
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    <loc>https://queen-news.com/freelance-rate-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://queen-news.com/sales-commission-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- 7. CLUSTER 4: E-Commerce & Digital Marketing (8 Tools) -->
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
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    <lastmod>2026-09-14</lastmod>
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    <priority>0.9</priority>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <loc>https://queen-news.com/conversion-rate-calculator.html</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <lastmod>2026-09-14</lastmod>
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    <priority>0.9</priority>
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  <!-- 8. CLUSTER 5: Productivity & Operations (8 Tools) -->
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    <lastmod>2026-09-14</lastmod>
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