<?xml version="1.0" encoding="UTF-8"?>
<!--
  Prudens.si — sitemap.xml
  Update lastmod dates and add new blog articles as they are published.
  Submit to Google Search Console in Phase 6.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ═══ HOME ═══ -->
  <url>
    <loc>https://prudens.si/sl/</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://prudens.si/sl/"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ═══ MEDIA ═══ -->
  <url>
    <loc>https://prudens.si/sl/media</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/media"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/media"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/media"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/media</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/media</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ PUBLISHING ═══ -->
  <url>
    <loc>https://prudens.si/sl/publishing</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/publishing"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/publishing"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/publishing"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/publishing</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/publishing</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ FINANCIAL ═══ -->
  <url>
    <loc>https://prudens.si/sl/financial</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/financial"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/financial"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/financial"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/financial</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/financial</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ TREES ═══ -->
  <url>
    <loc>https://prudens.si/sl/trees</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/trees"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/trees"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/trees"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/trees</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/trees</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ BLOG INDEX ═══ -->
  <url>
    <loc>https://prudens.si/sl/blog</loc>
    <xhtml:link rel="alternate" hreflang="sl" href="https://prudens.si/sl/blog"/>
    <xhtml:link rel="alternate" hreflang="hr" href="https://prudens.si/hr/blog"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://prudens.si/en/blog"/>
    <lastmod>2026-04-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://prudens.si/hr/blog</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://prudens.si/en/blog</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ═══ BLOG ARTICLES ═══ -->
  <!-- Add new articles here as they are published. -->
  <!-- Example:
  <url>
    <loc>https://prudens.si/sl/blog/preudarno-financno-nacrtovanje</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>never</changefreq>
    <priority>0.6</priority>
  </url>
  -->

<?xml version="1.0" encoding="UTF-8"?>
<!--
  PRUDENS.SI — Sitemap additions for Phase 5 (Blog)
  Add these <url> entries to your existing sitemap.xml,
  inside the <urlset> block.

  For every new blog article you publish, add 3 entries (one per language).
  Replace 2026-04-12 with the actual publication date.
-->

<!-- ── Blog index pages ─────────────────────────────────────── -->

<url>
  <loc>https://prudens.si/sl/blog</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>weekly</changefreq>
  <priority>0.7</priority>
</url>

<url>
  <loc>https://prudens.si/hr/blog</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>weekly</changefreq>
  <priority>0.6</priority>
</url>

<url>
  <loc>https://prudens.si/en/blog</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>weekly</changefreq>
  <priority>0.6</priority>
</url>

<!-- ── Sample article: Preudarno finančno načrtovanje 2026 ───── -->

<url>
  <loc>https://prudens.si/sl/blog/preudarno-financno-nacrtovanje-2026</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.6</priority>
</url>

<url>
  <loc>https://prudens.si/hr/blog/preudarno-financno-nacrtovanje-2026</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.5</priority>
</url>

<url>
  <loc>https://prudens.si/en/blog/prudent-financial-planning-2026</loc>
  <lastmod>2026-04-12</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.5</priority>
</url>

<!--
  TEMPLATE FOR NEW ARTICLES — copy and fill in for each new post:

  <url>
    <loc>https://prudens.si/sl/blog/VAŠ-SLUG</loc>
    <lastmod>YYYY-MM-DD</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://prudens.si/hr/blog/VAŠ-SLUG</loc>
    <lastmod>YYYY-MM-DD</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://prudens.si/en/blog/YOUR-ENGLISH-SLUG</loc>
    <lastmod>YYYY-MM-DD</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
-->



</urlset>
