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  <!-- Homepage -->
  <url>
    <loc>https://customstocks.us/</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og-image.png</image:loc>
      <image:title>CustomStocks app - stock paper trading simulator</image:title>
    </image:image>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/new_app_logo.png</image:loc>
      <image:title>CustomStocks app logo</image:title>
    </image:image>
  </url>

  <!-- Editorial Standards -->
  <url>
    <loc>https://customstocks.us/editorial-standards</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-editorial-standards.png</image:loc>
      <image:title>CustomStocks - Editorial Standards</image:title>
    </image:image>
  </url>
  <!-- Topic Pillars -->
  <url>
    <loc>https://customstocks.us/learn/stock-market-basics</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-market-basics.png</image:loc>
      <image:title>CustomStocks - Stock Market Basics for Beginners</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/learn/paper-trading</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-paper-trading.png</image:loc>
      <image:title>CustomStocks - Stock Paper Trading Guides</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/learn/orders-and-charts</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-orders-and-charts.png</image:loc>
      <image:title>CustomStocks - Stock Orders, Charts &amp; Execution</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/learn/stock-analysis</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-analysis.png</image:loc>
      <image:title>CustomStocks - How to Research &amp; Value Stocks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/learn/portfolio-and-risk</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-portfolio-and-risk.png</image:loc>
      <image:title>CustomStocks - Stock Portfolio &amp; Risk Management</image:title>
    </image:image>
  </url>
  <!-- Learn Hub -->
  <url>
    <loc>https://customstocks.us/learn</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-learn.png</image:loc>
      <image:title>CustomStocks - Learn Stock Trading: Free Beginner Guides</image:title>
    </image:image>
  </url>

  <!-- Learn: What is Stock Paper Trading -->
  <url>
    <loc>https://customstocks.us/learn/what-is-stock-paper-trading</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-stock-paper-trading.png</image:loc>
      <image:title>What is Stock Paper Trading? A beginner's guide to risk-free stock trading practice</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Read Stock Charts -->
  <url>
    <loc>https://customstocks.us/learn/how-to-read-stock-charts</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-read-stock-charts.png</image:loc>
      <image:title>How to read stock charts - a beginner's guide to candlestick patterns and technical analysis</image:title>
    </image:image>
  </url>

  <!-- Learn: Stock Order Types -->
  <url>
    <loc>https://customstocks.us/learn/understanding-market-orders</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-understanding-market-orders.png</image:loc>
      <image:title>Stock order types explained - market orders, limit orders, and stop orders for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: What is P/E Ratio -->
  <url>
    <loc>https://customstocks.us/learn/what-is-pe-ratio</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-pe-ratio.png</image:loc>
      <image:title>What is a P/E ratio - understanding stock valuations for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: Trading Strategies -->
  <url>
    <loc>https://customstocks.us/learn/stock-trading-strategies-for-beginners</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-trading-strategies-for-beginners.png</image:loc>
      <image:title>5 stock trading strategies for beginners to practice with paper trading</image:title>
    </image:image>
  </url>

  <!-- Learn: Paper Trading vs Real -->
  <url>
    <loc>https://customstocks.us/learn/paper-trading-vs-real-stock-trading</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-paper-trading-vs-real-stock-trading.png</image:loc>
      <image:title>Paper trading vs real stock trading - key differences explained for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: Market Hours -->
  <url>
    <loc>https://customstocks.us/learn/how-stock-market-hours-work</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-stock-market-hours-work.png</image:loc>
      <image:title>How stock market hours work - regular hours, pre-market, and after-hours trading guide</image:title>
    </image:image>
  </url>

  <!-- Learn: ETFs vs Individual Stocks -->
  <url>
    <loc>https://customstocks.us/learn/etfs-vs-individual-stocks</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-etfs-vs-individual-stocks.png</image:loc>
      <image:title>ETFs vs individual stocks - which should beginners practice with?</image:title>
    </image:image>
  </url>

  <!-- Learn: What Are Dividends -->
  <url>
    <loc>https://customstocks.us/learn/what-are-dividends</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-are-dividends.png</image:loc>
      <image:title>What are dividends - a beginner's guide to dividend investing for paper traders</image:title>
    </image:image>
  </url>

  <!-- Learn: Bull vs Bear Markets -->
  <url>
    <loc>https://customstocks.us/learn/bull-vs-bear-markets-explained</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-bull-vs-bear-markets-explained.png</image:loc>
      <image:title>Bull vs bear markets explained - market cycles for beginner investors</image:title>
    </image:image>
  </url>

  <!-- Learn: Day vs Swing vs Long-Term -->
  <url>
    <loc>https://customstocks.us/learn/day-trading-vs-swing-trading-vs-long-term-holding</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-day-trading-vs-swing-trading-vs-long-term-holding.png</image:loc>
      <image:title>Day trading vs swing trading vs long-term holding - trading time horizons compared</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Read a 10-K -->
  <url>
    <loc>https://customstocks.us/learn/how-to-read-a-10-k-annual-report</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-read-a-10-k-annual-report.png</image:loc>
      <image:title>How to read a 10-K annual report - fundamental analysis for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: Options Trading 101 -->
  <url>
    <loc>https://customstocks.us/learn/options-trading-101</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-options-trading-101.png</image:loc>
      <image:title>Options trading 101 - a beginner's conceptual guide to calls and puts</image:title>
    </image:image>
  </url>

  <!-- Learn: Tax Basics -->
  <url>
    <loc>https://customstocks.us/learn/tax-basics-paper-to-real-trading</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-tax-basics-paper-to-real-trading.png</image:loc>
      <image:title>Tax basics for the paper-to-real trading transition - capital gains and wash sales</image:title>
    </image:image>
  </url>

  <!-- Learn: Valuation Metrics Beyond P/E -->
  <url>
    <loc>https://customstocks.us/learn/stock-valuation-metrics-beyond-pe</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-valuation-metrics-beyond-pe.png</image:loc>
      <image:title>Stock valuation metrics beyond P/E - PEG, price-to-book, price-to-sales, and more</image:title>
    </image:image>
  </url>

  <!-- Learn: Stock Market Sectors -->
  <url>
    <loc>https://customstocks.us/learn/stock-market-sectors-explained</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-market-sectors-explained.png</image:loc>
      <image:title>Stock market sectors explained - the 11 GICS sectors for beginner investors</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Trade Earnings Reports -->
  <url>
    <loc>https://customstocks.us/learn/how-to-trade-earnings-reports</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-trade-earnings-reports.png</image:loc>
      <image:title>How to trade earnings reports - earnings season and surprises for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: What Is Dollar-Cost Averaging -->
  <url>
    <loc>https://customstocks.us/learn/what-is-dollar-cost-averaging</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-dollar-cost-averaging.png</image:loc>
      <image:title>What is dollar-cost averaging - a beginner's guide to investing on a schedule</image:title>
    </image:image>
  </url>

  <!-- Learn: Technical Indicators -->
  <url>
    <loc>https://customstocks.us/learn/technical-indicators-rsi-macd-moving-averages</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-technical-indicators-rsi-macd-moving-averages.png</image:loc>
      <image:title>Technical indicators explained - RSI, MACD, and moving averages for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Choose Your First Stock -->
  <url>
    <loc>https://customstocks.us/learn/how-to-choose-your-first-stock</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-choose-your-first-stock.png</image:loc>
      <image:title>How to choose your first stock - a beginner's stock-picking framework</image:title>
    </image:image>
  </url>

  <!-- Learn: Index Funds and the S&amp;P 500 -->
  <url>
    <loc>https://customstocks.us/learn/index-funds-and-the-sp-500</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-index-funds-and-the-sp-500.png</image:loc>
      <image:title>Index funds and the S&amp;P 500 explained for beginner investors</image:title>
    </image:image>
  </url>

  <!-- Learn: Common Stock Trading Mistakes -->
  <url>
    <loc>https://customstocks.us/learn/common-stock-trading-mistakes-beginners</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-common-stock-trading-mistakes-beginners.png</image:loc>
      <image:title>Common stock trading mistakes beginners make and how to avoid them</image:title>
    </image:image>
  </url>

  <!-- Learn: What Is a Stock -->
  <url>
    <loc>https://customstocks.us/learn/what-is-a-stock</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-a-stock.png</image:loc>
      <image:title>What is a stock - a beginner's guide to shares and ownership</image:title>
    </image:image>
  </url>

  <!-- Learn: Stock Screening for Beginners -->
  <url>
    <loc>https://customstocks.us/learn/stock-screening-for-beginners</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-screening-for-beginners.png</image:loc>
      <image:title>Stock screening for beginners - finding stocks to trade with a stock screener</image:title>
    </image:image>
  </url>

  <!-- Learn: Short Selling Explained -->
  <url>
    <loc>https://customstocks.us/learn/short-selling-explained</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-short-selling-explained.png</image:loc>
      <image:title>Short selling explained - how shorting a stock works for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: Portfolio Diversification -->
  <url>
    <loc>https://customstocks.us/learn/portfolio-diversification-for-beginners</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-portfolio-diversification-for-beginners.png</image:loc>
      <image:title>Portfolio diversification for beginners - spreading risk across asset classes</image:title>
    </image:image>
  </url>

  <!-- Learn: How Stock Prices Are Determined -->
  <url>
    <loc>https://customstocks.us/learn/how-stock-prices-are-determined</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-stock-prices-are-determined.png</image:loc>
      <image:title>How stock prices are determined - supply, demand, and the bid-ask spread explained</image:title>
    </image:image>
  </url>

  <!-- Learn: Fundamental vs Technical Analysis -->
  <url>
    <loc>https://customstocks.us/learn/fundamental-vs-technical-analysis</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-fundamental-vs-technical-analysis.png</image:loc>
      <image:title>Fundamental vs technical analysis - comparing the two ways to research stocks</image:title>
    </image:image>
  </url>

  <!-- Learn: Margin Trading and Leverage -->
  <url>
    <loc>https://customstocks.us/learn/margin-trading-and-leverage</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-margin-trading-and-leverage.png</image:loc>
      <image:title>Margin trading and leverage - buying on margin, margin calls, and the risks</image:title>
    </image:image>
  </url>

  <!-- Learn: Trading Psychology and Biases -->
  <url>
    <loc>https://customstocks.us/learn/trading-psychology-and-biases</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-trading-psychology-and-biases.png</image:loc>
      <image:title>Trading psychology and biases - mastering loss aversion, FOMO, and herd behavior</image:title>
    </image:image>
  </url>

  <!-- Learn: Stock Market Crashes and Corrections -->
  <url>
    <loc>https://customstocks.us/learn/stock-market-crashes-and-corrections</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-market-crashes-and-corrections.png</image:loc>
      <image:title>Stock market crashes and corrections - definitions, history, and how to prepare</image:title>
    </image:image>
  </url>

  <!-- Learn: Growth Stocks vs Value Stocks -->
  <url>
    <loc>https://customstocks.us/learn/growth-stocks-vs-value-stocks</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-growth-stocks-vs-value-stocks.png</image:loc>
      <image:title>Growth stocks vs value stocks explained for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Build a Stock Portfolio -->
  <url>
    <loc>https://customstocks.us/learn/how-to-build-a-stock-portfolio</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-build-a-stock-portfolio.png</image:loc>
      <image:title>How to build a stock portfolio - a beginner's guide</image:title>
    </image:image>
  </url>

  <!-- Learn: What Is a Stock Split -->
  <url>
    <loc>https://customstocks.us/learn/what-is-a-stock-split</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-a-stock-split.png</image:loc>
      <image:title>What is a stock split - why companies split shares</image:title>
    </image:image>
  </url>

  <!-- Learn: Bid-Ask Spread Explained -->
  <url>
    <loc>https://customstocks.us/learn/bid-ask-spread-explained</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-bid-ask-spread-explained.png</image:loc>
      <image:title>Bid-ask spread explained for beginners</image:title>
    </image:image>
  </url>

  <!-- Learn: How to Read Financial Statements -->
  <url>
    <loc>https://customstocks.us/learn/how-to-read-financial-statements</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-how-to-read-financial-statements.png</image:loc>
      <image:title>How to read financial statements for beginners</image:title>
    </image:image>
  </url>


  <!-- Glossary (added 2026-09-10) -->
  <url>
    <loc>https://customstocks.us/glossary/what-is-a-blue-chip-stock</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-a-blue-chip-stock.png</image:loc>
      <image:title>What is a blue-chip stock - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-a-penny-stock</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-a-penny-stock.png</image:loc>
      <image:title>What is a penny stock - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-a-short-squeeze</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-a-short-squeeze.png</image:loc>
      <image:title>What is a short squeeze - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-beta-in-stocks</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-beta-in-stocks.png</image:loc>
      <image:title>What is beta in stocks - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-dividend-yield</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-dividend-yield.png</image:loc>
      <image:title>What is dividend yield - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-earnings-per-share</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-earnings-per-share.png</image:loc>
      <image:title>What is EPS (earnings per share) - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-market-capitalization</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-market-capitalization.png</image:loc>
      <image:title>What is market capitalization - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-market-liquidity</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-market-liquidity.png</image:loc>
      <image:title>What is market liquidity - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-price-to-book-ratio</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-price-to-book-ratio.png</image:loc>
      <image:title>What is the price-to-book ratio - glossary definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/glossary/what-is-return-on-equity</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-what-is-return-on-equity.png</image:loc>
      <image:title>What is return on equity - glossary definition</image:title>
    </image:image>
  </url>

  <!-- Calculators (added 2026-09-10) -->
  <url>
    <loc>https://customstocks.us/tools/dividend-yield-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-dividend-yield-calculator.png</image:loc>
      <image:title>Free dividend yield calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/pe-ratio-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-pe-ratio-calculator.png</image:loc>
      <image:title>Free P/E ratio calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/position-size-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-position-size-calculator.png</image:loc>
      <image:title>Free position size calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/risk-reward-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-risk-reward-calculator.png</image:loc>
      <image:title>Free risk/reward ratio calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/compound-interest-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-compound-interest-calculator.png</image:loc>
      <image:title>Free compound interest calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/stock-profit-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-profit-calculator.png</image:loc>
      <image:title>Free stock profit calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/stock-dca-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-stock-dca-calculator.png</image:loc>
      <image:title>Free dollar-cost averaging calculator</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://customstocks.us/tools/capital-gains-tax-calculator</loc>
    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-capital-gains-tax-calculator.png</image:loc>
      <image:title>Free capital gains tax calculator (2026)</image:title>
    </image:image>
  </url>

  <!-- Hubs and About (added 2026-09-10) -->
  <url>
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    <image:image>
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      <image:title>Stock market glossary - key terms explained</image:title>
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    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-tools.png</image:loc>
      <image:title>Free stock market calculators</image:title>
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    <image:image>
      <image:loc>https://customstocks.us/assets/images/og/og-about.png</image:loc>
      <image:title>About CustomStocks</image:title>
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