<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Public entry points only - platform requires auth via JWT/SSO -->
  <!-- Excludes: /, /admin, /dashboard, /lifebalance, /welcome, /lifesmart-admin-login (hidden) -->
  <url>
    <loc>https://spzero.lifesmartfinance.com/sso-login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://spzero.lifesmartfinance.com/access-denied</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
