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  <!-- Core app pages -->
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    <loc>https://www.savyfunds.com/dashboard</loc>
    <lastmod>2026-04-06</lastmod>
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    <lastmod>2026-04-06</lastmod>
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  <!-- Informational pages -->
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    <lastmod>2026-04-06</lastmod>
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  <!-- News section -->
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    <lastmod>2026-09-20</lastmod>
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