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  <!-- ── Pillar / Province Pages ───────────────────────────────────────────── -->
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  <!-- ── City Landing Pages ─────────────────────────────────────────────────── -->
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  <!-- ── Topic Cluster / Educational Pages ──────────────────────────────────── -->
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  <!-- ── Question Keyword Pages ─────────────────────────────────────────────── -->
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  <!-- ── Free Tools ──────────────────────────────────────────────────────────── -->
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    <lastmod>2026-06-05T08:56:41.928Z</lastmod>
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  <!-- ── Lead Gen / Authority Pages ────────────────────────────────────────── -->
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  <!-- ── Blog Index & Cluster Pages ──────────────────────────────────────────── -->
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  <!-- ── Blog Posts (Q&A, Personal Story, City posts WITHOUT canonicalOverride) ── -->
  <!-- City blog posts that have canonicalOverride pointing to city landing pages  -->
  <!-- use noindex+canonical on the blog URL — those are excluded from sitemap.    -->
  <!-- The city LANDING PAGES (/reverse-mortgage-vancouver etc.) ARE in sitemap.   -->

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  <!-- /blog/reverse-mortgage-delta — no city landing page, include below -->
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  <!-- /blog/reverse-mortgage-kamloops — no city landing page, include below -->
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  <!-- /blog/reverse-mortgage-nanaimo — no city landing page, include below -->
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