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     예전에는 없는 주소(webdev·ai)가 들어 있고, 정작 있는 페이지(신용등급·CFO·프로그램 개발)는 빠져 있었다.
     없는 주소를 알려 주면 신뢰를 잃고, 있는 페이지를 안 알려 주면 찾아오지 못한다.
     hub는 서브도메인 대신 실제 경로로 적는다 — 그쪽이 정본이다.

     [2026-07-29 SEO1] 확장자(.html)를 뗀 주소로 다시 적었다.
     실측: /landing/hub.html · /landing/credit.html · /terms.html … 모두 308로 확장자 없는 주소로 넘어간다.
     사이트맵이 "넘어가는 주소"를 알려 주면 크롤러는 매번 한 번 더 이동해야 하고, 색인 신호가 두 주소로 갈린다.
     canonical(각 페이지 head)도 같은 확장자 없는 주소로 맞췄다 — 사이트맵·308 도착지·canonical 셋이 이제 같은 값이다.
     ⚠️/guide/* 항목은 아직 .html 이 붙어 있다(다른 작업자가 같은 시각에 만들고 있던 문서라 건드리지 않았다).
       배포 전에 같은 규칙(확장자 제거 + canonical 일치)으로 함께 정리할 것. -->
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  <!-- [2026-07-31SEO3b] /nudge/ 제거 — 이 페이지의 canonical 은 메인(/)을 가리킨다.
       사이트맵으로 "색인해 달라"고 하면서 페이지에서는 "정본은 메인"이라고 말하는 셈이라
       구글은 canonical 을 따라 색인하지 않는다. 남겨 두면 색인 보고서에 오류로만 쌓인다. -->
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  <!-- [2026-08-03TOOLS] 무료 계산기 — 도구마다 주소를 줘서 각 검색어를 잡게 했다.
       전에는 hub 한 페이지의 모달 안에만 있어 "정책자금 한도 계산기" 검색에 띄울 페이지가 없었다. -->
  <url><loc>https://aiconsultinghouse.com/tools/policy-fund-limit</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
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  <url><loc>https://aiconsultinghouse.com/tools/debt-ratio</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/tools/sme-check</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/tools/four-insurance</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/tools/income-tax</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
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  <url><loc>https://aiconsultinghouse.com/tools/pdf-editor</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/</loc><lastmod>2026-08-04</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
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  <url><loc>https://aiconsultinghouse.com/guide/support-program</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/debt-ratio</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/certification</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/yellow-umbrella</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <!-- [2026-08-02SEO60] 검색 유입용 신규 4종(대표 지시). 소상공인 정책자금·지역신용보증재단은
       '돈이 필요해서' 찾는 키워드라 우선순위를 한 단계 위로 둔다. -->
  <url><loc>https://aiconsultinghouse.com/guide/sbiz-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/regional-credit</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/sbiz-grant</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/financial-statements</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <!-- [2026-08-03GUIDE147] 신규 8편(대표 지시). 기존 9편이 정책자금 제도 설명에 몰려 있어
       법인운영·신청서 쪽 검색어를 하나도 잡지 못하고 있었다. 부결·사업계획서·가지급금은
       "지금 돈이 걸린 결정"을 앞두고 찾는 말이라 우선순위를 한 단계 위로 둔다. -->
  <url><loc>https://aiconsultinghouse.com/guide/gajigeupgeum</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/incorporation</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rejection</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/business-plan</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/loan-types</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/closure-support</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/restart</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/post-management</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/sme-certificate</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/vat</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <!-- [2026-08-03GUIDE148] 법인 설립·절세·자산재평가·가수금·자동화·4대보험(대표 지시).
       우리가 실제로 하는 일 중 검색어를 하나도 못 잡고 있던 영역이다. -->
  <url><loc>https://aiconsultinghouse.com/guide/corporation-setup</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/tax-strategy</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/gasugeum</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/asset-revaluation</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/automation-tools</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/bulk-mail</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/automation</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/four-insurance</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <!-- [2026-08-04GUIDE159] 신규 6편 — 연구소·벤처·신용등급·R&amp;D·고용공제·팩토링(대표 지시) -->
  <url><loc>https://aiconsultinghouse.com/guide/credit-rating</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rnd</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/factoring</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/employment</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/lab</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/venture</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <!-- [2026-08-04GUIDE168] 지원사업 개별 사업명·청년·저신용·인증 사후관리·저작권·한도계좌(대표 지시) -->
  <url><loc>https://aiconsultinghouse.com/guide/startup-package</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/early-startup</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/leap-package</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/youth-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/youth-support</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/low-credit</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/cert-maintain</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/copyright</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/limit-account</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- [2026-08-04GUIDE169] 분야별 지원사업(대표 지시) -->
  <url><loc>https://aiconsultinghouse.com/guide/smart-factory</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/export-voucher</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rnd-stepping</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/local-industry</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/social-venture</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- [2026-08-04GUIDE172] R&amp;D·바우처·환수·투자·셀프등기·연구노트·상표·부결진단·책임경영(대표 지시) -->
  <url><loc>https://aiconsultinghouse.com/guide/rnd-programs</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/ai-voucher</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/manufacturing-voucher</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/tourism-voucher</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/clawback</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rejection-check</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/self-incorporation</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/research-note</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/trademark</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/ir-deck</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/valuation</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/investment-contract</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/responsibility-agreement</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
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  <url><loc>https://aiconsultinghouse.com/guide/national-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/self-apply</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/tech-startup-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/export-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/manufacturing-fund</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/zeropay</loc><lastmod>2026-08-04</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://aiconsultinghouse.com/terms</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://aiconsultinghouse.com/privacy</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <!-- [GUIDE348 2026-08-07] 새 글 11편 -->
  <url><loc>https://aiconsultinghouse.com/guide/sbiz24</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/office-worker</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/facility-limit</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/refinance</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/card-loan</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/find-programs</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/program-rejection</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rnd-tax-credit</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rehabilitation</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/broker</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/rejection-financials</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- [NETPAY351 2026-08-07] 급여 실수령액 계산기 단독 페이지 -->
  <url><loc>https://aiconsultinghouse.com/tools/net-pay</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- [GUIDE365 2026-08-07] -->
  <url><loc>https://aiconsultinghouse.com/guide/self-employed-loan</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/capital-increase</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/stock-valuation</loc><lastmod>2026-08-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- [GUIDE377 2026-08-08] 자영업자대출 3편 · 노란우산공제 2편 -->
  <url><loc>https://aiconsultinghouse.com/guide/self-employed-loan-condition</loc><lastmod>2026-08-08</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/self-employed-loan-limit</loc><lastmod>2026-08-08</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/self-employed-government-loan</loc><lastmod>2026-08-08</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://aiconsultinghouse.com/guide/yellow-umbrella-loan</loc><lastmod>2026-08-08</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
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