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  <!-- Homepage -->
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    <loc>https://optimis.lovable.app/fr</loc>
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    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de"/>
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  <url>
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  <url>
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  <!-- Assurance Santé / Krankenversicherung -->
  <url>
    <loc>https://optimis.lovable.app/fr/assurance-sante</loc>
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  <url>
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  <url>
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  <!-- Assurance Voiture / Autoversicherung -->
  <url>
    <loc>https://optimis.lovable.app/fr/assurance-voiture</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-voiture"/>
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  <url>
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  <url>
    <loc>https://optimis.lovable.app/it/assurance-voiture</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-voiture"/>
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  <!-- Assurance Ménage / Hausratversicherung -->
  <url>
    <loc>https://optimis.lovable.app/fr/assurance-menage</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-menage"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/assurance-menage"/>
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    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://optimis.lovable.app/de/assurance-menage</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-menage"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/assurance-menage"/>
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    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://optimis.lovable.app/it/assurance-menage</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-menage"/>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Protection Juridique / Rechtsschutz -->
  <url>
    <loc>https://optimis.lovable.app/fr/protection-juridique</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/protection-juridique"/>
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  <url>
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  <url>
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  <!-- Assurance Vie / Lebensversicherung -->
  <url>
    <loc>https://optimis.lovable.app/fr/assurance-vie</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-vie"/>
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  <url>
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  <url>
    <loc>https://optimis.lovable.app/it/assurance-vie</loc>
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  <!-- Hypothèque / Hypothek -->
  <url>
    <loc>https://optimis.lovable.app/fr/hypotheque</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/hypotheque"/>
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  <url>
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  <url>
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    <changefreq>weekly</changefreq>
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  <!-- Landing Pages SEO -->
  <url>
    <loc>https://optimis.lovable.app/fr/assurance-maladie-landing</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-maladie-landing"/>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/assurance-maladie-landing</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/it/assurance-maladie-landing</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-maladie-landing"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/assurance-maladie-landing"/>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/fr/assurance-voiture-landing</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/assurance-voiture-landing"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/assurance-voiture-landing"/>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/assurance-voiture-landing</loc>
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    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/assurance-voiture-landing"/>
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    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://optimis.lovable.app/it/assurance-voiture-landing</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/fr/3eme-pilier-offres</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/3eme-pilier-offres"/>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/3eme-pilier-offres</loc>
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    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://optimis.lovable.app/it/3eme-pilier-offres</loc>
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  <url>
    <loc>https://optimis.lovable.app/fr/hypotheque-offres</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/hypotheque-offres"/>
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    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/hypotheque-offres</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/it/hypotheque-offres</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://optimis.lovable.app/fr/subside-assurance-maladie-demande</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/subside-assurance-maladie-demande</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://optimis.lovable.app/it/subside-assurance-maladie-demande</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/subside-assurance-maladie-demande"/>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://optimis.lovable.app/fr/resiliation-assurance</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/resiliation-assurance"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/resiliation-assurance"/>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/resiliation-assurance</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/resiliation-assurance"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/resiliation-assurance"/>
    <xhtml:link rel="alternate" hreflang="it-CH" href="https://optimis.lovable.app/it/resiliation-assurance"/>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://optimis.lovable.app/it/resiliation-assurance</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/resiliation-assurance"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/resiliation-assurance"/>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Services -->
  <url>
    <loc>https://optimis.lovable.app/fr/services</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/services"/>
    <xhtml:link rel="alternate" hreflang="de-CH" href="https://optimis.lovable.app/de/services"/>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://optimis.lovable.app/de/services</loc>
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    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://optimis.lovable.app/it/services</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Blog (FR only) -->
  <url>
    <loc>https://optimis.lovable.app/fr/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://optimis.lovable.app/fr/politique-de-confidentialite</loc>
    <xhtml:link rel="alternate" hreflang="fr-CH" href="https://optimis.lovable.app/fr/politique-de-confidentialite"/>
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    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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