<?xml version="1.0" encoding="UTF-8"?>
<!-- The public pages a search engine should read (the front door's PR 2,
     fwf-strategy's plan of Nov 4 2026). A static file, served before any
     rewrite. scripts/sitemap.test.js holds it to the pages that exist: every
     answer, every lesson, and nothing the public route table does not answer.
     The tournament platform's pages are another host's, and are not listed. -->
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  <url><loc>https://fundwithfriends.app/</loc></url>
  <url><loc>https://fundwithfriends.app/how-it-works</loc></url>
  <url><loc>https://fundwithfriends.app/fees</loc></url>
  <url><loc>https://fundwithfriends.app/afford</loc></url>
  <url><loc>https://fundwithfriends.app/before-you-buy</loc></url>
  <url><loc>https://fundwithfriends.app/answers</loc></url>
  <url><loc>https://fundwithfriends.app/answers/how-a-group-decides</loc></url>
  <url><loc>https://fundwithfriends.app/answers/is-this-crowdfunding</loc></url>
  <url><loc>https://fundwithfriends.app/answers/if-a-member-wants-out</loc></url>
  <url><loc>https://fundwithfriends.app/answers/buyout-value</loc></url>
  <url><loc>https://fundwithfriends.app/answers/if-a-member-dies</loc></url>
  <url><loc>https://fundwithfriends.app/answers/capital-calls</loc></url>
  <url><loc>https://fundwithfriends.app/answers/unpaid-capital-call</loc></url>
  <url><loc>https://fundwithfriends.app/answers/member-loans</loc></url>
  <url><loc>https://fundwithfriends.app/answers/capital-accounts</loc></url>
  <url><loc>https://fundwithfriends.app/answers/operating-reserve</loc></url>
  <url><loc>https://fundwithfriends.app/answers/tax-on-profit-the-llc-keeps</loc></url>
  <url><loc>https://fundwithfriends.app/answers/which-state</loc></url>
  <url><loc>https://fundwithfriends.app/answers/registered-agent</loc></url>
  <url><loc>https://fundwithfriends.app/answers/bank-beneficial-owners</loc></url>
  <url><loc>https://fundwithfriends.app/answers/llc-loans</loc></url>
  <url><loc>https://fundwithfriends.app/answers/second-property</loc></url>
  <url><loc>https://fundwithfriends.app/answers/where-the-money-sits</loc></url>
  <url><loc>https://fundwithfriends.app/answers/wiring-safely</loc></url>
  <url><loc>https://fundwithfriends.app/answers/1099s-and-w9s</loc></url>
  <url><loc>https://fundwithfriends.app/answers/records-nobody-can-edit</loc></url>
  <url><loc>https://fundwithfriends.app/learn</loc></url>
  <url><loc>https://fundwithfriends.app/learn/llc-why</loc></url>
  <url><loc>https://fundwithfriends.app/learn/split-money</loc></url>
  <url><loc>https://fundwithfriends.app/learn/operating-agreement</loc></url>
  <url><loc>https://fundwithfriends.app/learn/cap-rate</loc></url>
  <url><loc>https://fundwithfriends.app/learn/dscr</loc></url>
  <url><loc>https://fundwithfriends.app/learn/vetting-deal</loc></url>
  <url><loc>https://fundwithfriends.app/learn/reserves</loc></url>
  <url><loc>https://fundwithfriends.app/learn/landlord-law</loc></url>
  <url><loc>https://fundwithfriends.app/learn/k1</loc></url>
  <url><loc>https://fundwithfriends.app/learn/depreciation</loc></url>
  <url><loc>https://fundwithfriends.app/learn/one-llc-or-two</loc></url>
  <url><loc>https://fundwithfriends.app/learn/life-events</loc></url>
  <url><loc>https://fundwithfriends.app/learn/exit-paths</loc></url>
  <url><loc>https://fundwithfriends.app/learn/selling-up</loc></url>
  <url><loc>https://fundwithfriends.app/learn/exchange-1031</loc></url>
  <url><loc>https://fundwithfriends.app/learn/insuring-a-rental</loc></url>
  <url><loc>https://fundwithfriends.app/learn/keeping-the-books</loc></url>
</urlset>
