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  <!-- ===== Core pages ===== -->
  <url>
    <loc>https://www.bpag.net.au/</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://www.bpag.net.au/about.html</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.bpag.net.au/blog</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- ===== Services ===== -->
  <url>
    <loc>https://www.bpag.net.au/services/fractional-cfo-and-advisory</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.bpag.net.au/services/tax-strategy-and-planning</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/services/accounting-and-bookkeeping</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/services/cash-flow-and-profit-optimisation</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/services/business-structuring-and-asset-protection</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/services/tax-returns-bas-payroll-and-asic</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/services/smsf-returns-and-audits</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===== Industries ===== -->
  <url>
    <loc>https://www.bpag.net.au/industries/ecommerce-and-retail</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://www.bpag.net.au/industries/hospitality</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/industries/non-profits</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/industries/medical-practices-and-health-services</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/industries/it-and-software-development</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.bpag.net.au/industries/legal-practices</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.bpag.net.au/industries/engineering-and-architecture</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.bpag.net.au/industries/importing-and-wholesale</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.bpag.net.au/industries/manufacturing</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===== Policy / Legal ===== -->
  <url>
    <loc>https://www.bpag.net.au/privacy-policy.html</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.bpag.net.au/terms.html</loc>
    <lastmod>2026-05-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- NOTE: Legacy root SEO pages (bookkeeping.html, ecommerce.html, bas.html, ias.html,
       asic.html, fractional-cfo.html, business-accountant.html, etc.) are intentionally
       excluded. They are blocked by robots.txt Disallow rules and carry a robots
       noindex,nofollow meta tag, so listing them here would send conflicting signals
       to Google. Re-add them only after lifting both blocks. -->

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