<?xml version="1.0" encoding="UTF-8"?>
<!--
  This is a single-page application: the primary navigation links
  (#projects, #about, #contact) are in-page anchors on the
  same document, not separate crawlable URLs, so they are represented by
  the one homepage entry below (which is where Google will look to build
  Sitelinks). The legal pages currently live behind hash routes
  (#/terms, #/privacy, #/accessibility) which search engines do not crawl
  as distinct URLs; migrate them to real paths (e.g. /terms) if they need
  to be indexed individually.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.refnocapital.com/</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
</urlset>
