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  <!-- Destination pages (hash-based) -->
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    <lastmod>2026-06-15</lastmod>
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    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#albania</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#canada</loc>
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    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#panama</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#costa-rica</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#colombia</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#ecuador</loc>
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    <loc>https://retiresmart-ai.com/#uruguay</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#brazil</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://retiresmart-ai.com/#thailand</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://retiresmart-ai.com/#malaysia</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#vietnam</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#indonesia</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#philippines</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#taiwan</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://retiresmart-ai.com/#uae</loc>
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    <loc>https://retiresmart-ai.com/#south-africa</loc>
    <lastmod>2026-06-15</lastmod>
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    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#japan</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://retiresmart-ai.com/#georgia</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#australia</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#france</loc>
    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#switzerland</loc>
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    <loc>https://retiresmart-ai.com/#netherlands</loc>
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    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#austria</loc>
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    <loc>https://retiresmart-ai.com/#turkey</loc>
    <lastmod>2026-06-15</lastmod>
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    <changefreq>monthly</changefreq>
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    <loc>https://retiresmart-ai.com/#czech-republic</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-06-15</lastmod>
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    <loc>https://retiresmart-ai.com/#argentina</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
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