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  <!-- ══ HOMEPAGES ══ -->
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  <!-- ══ AUTHORITY (person + about) — highest priority for "Hannan Mohammad" queries ══ -->
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    <loc>https://ezelman.com/hannan/</loc>
    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
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  <!-- ══ COMMERCIAL SERVICE PAGES (high intent) ══ -->
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    <loc>https://ezelman.com/services/</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- ══ GEOGRAPHIC PRACTICES ══ -->
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    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- ══ PROPRIETARY BENCHMARKS (intelligence) ══ -->
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    <loc>https://ezelman.com/intelligence/</loc>
    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- ══ REGULATORY RADAR (hub + articles) ══ -->
  <url>
    <loc>https://ezelman.com/regulatory-radar/</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- ecb-onsite-playbook removed: ghost entry (page lives at /intelligence/articles/ecb-onsite-playbook/) -->
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  <!-- basel-iv-implementation removed: ghost entry (no page exists) -->
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    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
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  <!-- ══ CASE STUDIES ══ -->
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    <loc>https://ezelman.com/case-studies/</loc>
    <lastmod>2026-04-17</lastmod>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- ══ BLOG ══ -->
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    <loc>https://ezelman.com/blog/</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <!-- ══ GATED RESOURCES ══ -->
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <!-- ══ CONTACT ══ -->
  <url>
    <loc>https://ezelman.com/contact/</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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