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    <!-- Homepage -->
    <url>
        <loc>https://travelbear.app/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Guides Index -->
    <url>
        <loc>https://travelbear.app/guides/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Solutions Index -->
    <url>
        <loc>https://travelbear.app/solutions/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Split Travel Expenses Feature Page (High Priority SEO Target) -->
    <url>
        <loc>https://travelbear.app/split-travel-expenses/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.95</priority>
    </url>

    <!-- Destination Guides -->
    <url>
        <loc>https://travelbear.app/guides/tokyo-japan/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/paris-france/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/bali-indonesia/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/new-york-usa/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/london-uk/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/barcelona-spain/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/dubai-uae/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/bangkok-thailand/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/rome-italy/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/guides/sydney-australia/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Solution Pages -->
    <url>
        <loc>https://travelbear.app/solutions/business-travel-expense-tracker/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/backpacker-budget-manager/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/family-vacation-expense-manager/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/digital-nomad-financial-tracker/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/group-travel-expense-splitting/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/study-abroad-budgeting/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/honeymoon-expense-tracker/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/solo-travel-budget-planner/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/adventure-sports-trip-tracker/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://travelbear.app/solutions/gap-year-expense-manager/</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Privacy & Terms -->
    <url>
        <loc>https://travelbear.app/privacy.html</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.3</priority>
    </url>

    <url>
        <loc>https://travelbear.app/terms.html</loc>
        <lastmod>2026-01-19</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.3</priority>
    </url>

</urlset>