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  <!-- Core pages -->
  <url>
    <loc>https://agedcareactionplan.au</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/questionnaire</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/about</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/privacy</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Guides index -->
  <url>
    <loc>https://agedcareactionplan.au/guides</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Anchor guides — Population A -->
  <url>
    <loc>https://agedcareactionplan.au/guides/first-72-hours</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/assessment-prep</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/iat-decoded</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/waiting-times</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/escalation-ladder</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Anchor guides — Population B -->
  <url>
    <loc>https://agedcareactionplan.au/guides/classifications-in-hours</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/choosing-provider</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/at-hm-explained</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Anchor guides — Population C -->
  <url>
    <loc>https://agedcareactionplan.au/guides/statement-decoded</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/domestic-services</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Cluster guides — Pillar 3 (fees and transitions) -->
  <url>
    <loc>https://agedcareactionplan.au/guides/price-caps-july-2026</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/contribution-rates</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/guides/hcp-to-support-at-home</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tools — priority 0.8 -->
  <url>
    <loc>https://agedcareactionplan.au/escalation-ladder</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/statement-decoder</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/overpayment-calculator</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/calculator</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/assessment-prep</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/agreement-checker</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/iat-guide</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/provider-checker</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/classification-explainer</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/glossary</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/reassessment-letter</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/hospital-discharge</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/acat-letter</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/after-admission</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/needs-residential-care</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tools — priority 0.7 -->
  <url>
    <loc>https://agedcareactionplan.au/transition-care</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/provider-shortlist</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/activation-tracker</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/sibling-conflict</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/fee-increase-notice</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/self-managed</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/equipment</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/switch-provider</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Landing pages — tool conversion pages -->
  <url>
    <loc>https://agedcareactionplan.au/escalation-landing</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/statement-landing</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/assessment-landing</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/statement-decoder-landing</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://agedcareactionplan.au/assessment-prep-landing</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

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