<?xml version="1.0" encoding="UTF-8"?>
<!-- ⚠️ Committed, not generated: the IndexNow, Google-sitemap and snapshot workflows read it from
     the repository without building. vite.config.ts FAILS the build if it lists anything other
     than exactly the pages in NAV, so it cannot drift from the site. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://heartbank.ceo/</loc><lastmod>2026-09-20</lastmod></url>
  <url><loc>https://heartbank.ceo/office/</loc><lastmod>2026-09-20</lastmod></url>
  <url><loc>https://heartbank.ceo/franchise/</loc><lastmod>2026-09-20</lastmod></url>
</urlset>
