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    <lastmod>2026-08-16</lastmod>
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  <!-- Portfolio -->
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    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- Market history -->
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    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://investsim.claritycapitaltools.com/extreme-years.html</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://investsim.claritycapitaltools.com/extreme-months.html</loc>
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    <changefreq>monthly</changefreq>
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    <loc>https://investsim.claritycapitaltools.com/bad-streaks.html</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Sectors, risk and diversification -->
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    <loc>https://investsim.claritycapitaltools.com/sector-performance.html</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- Reference -->
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    <loc>https://investsim.claritycapitaltools.com/etf-directory.html</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>daily</changefreq>
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    <loc>https://investsim.claritycapitaltools.com/learn.html</loc>
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    <priority>0.6</priority>
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    <lastmod>2026-08-16</lastmod>
    <changefreq>monthly</changefreq>
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