<?xml version="1.0" encoding="UTF-8"?>
<!--
  Top-level sitemap INDEX. Crawlers will fetch each <sitemap><loc/></sitemap>
  child below. Each child sitemap is served DYNAMICALLY by the FastAPI backend
  at /api/sitemap-*.xml so URLs stay fresh as new businesses, offers, blog
  posts and government schemes are added.
-->
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-pages.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-businesses.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-offers.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-blog.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-gov-benefits.xml</loc>
  </sitemap>
  <sitemap>
    <loc>https://ibclub.org/api/sitemap-members.xml</loc>
  </sitemap>
</sitemapindex>
