<?xml version="1.0" encoding="UTF-8"?>
<!--
  Pennifi CLASS sitemap — schools sub-vertical (CS-54 marketing surface).
  Hub + marketing pages + published lessons. Authenticated student/teacher/parent
  surfaces (/class/dashboard, /class/exam) included intentionally for branded search;
  RLS still blocks access without auth.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://pennifi.com/class</loc><lastmod>2026-05-02</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/class/why-pennifi</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/vs-tvo-learn</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/teachers</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/board</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/parents</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/students</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/curriculum</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/simulator</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/security</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/pricing</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/class/blog</loc><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/sponsors</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/about</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/faq</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/contact</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/changelog</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/privacy</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/join</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/dashboard</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/exam</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/lessons</loc><lastmod>2026-05-15</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- Class-aligned use cases -->
  <url><loc>https://pennifi.com/use-cases/financial-literacy-high-school</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Class Lessons (published) -->
  <url><loc>https://pennifi.com/class/lessons/paystubs</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/banking</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/budgeting</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/credit</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/taxes</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/osap</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/renting</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/insurance</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/investing</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/fraud</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/mortgages</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/entrepreneurship</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/interest-compound</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/rrsp-vs-tfsa</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/etfs-deep-dive</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/student-bank-accounts</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/cra-myaccount</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/crypto-reality-check</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/negotiating-first-job</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/debt-snowball-vs-avalanche</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/interac-and-wallets</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/gig-and-t4a</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/money-and-mental-health</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/first-credit-recovery</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/roommate-money</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
</urlset>
