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  <!-- FIRE Toolkit (pillar page) -->
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  <!-- Articles index -->
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  <!-- Articles -->
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    <lastmod>2026-04-11</lastmod>
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    <lastmod>2026-04-11</lastmod>
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  <!-- Calculators -->
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    <lastmod>2026-04-11</lastmod>
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    <lastmod>2026-04-11</lastmod>
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    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Legal -->
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    <lastmod>2026-04-11</lastmod>
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    <lastmod>2026-04-11</lastmod>
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