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    <lastmod>2026-02-08</lastmod>
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  <!-- FO-EGP Platform -->
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    <lastmod>2026-02-08</lastmod>
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  <!-- About -->
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    <loc>https://www.afilcorp.com.hk/about</loc>
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    <lastmod>2026-02-08</lastmod>
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  <!-- Services -->
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    <lastmod>2026-02-08</lastmod>
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  <!-- Insights -->
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    <lastmod>2026-02-08</lastmod>
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  <!-- ================================================================== -->
  <!-- Contact -->
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    <lastmod>2026-02-08</lastmod>
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  <!-- ================================================================== -->
  <!-- Regulatory Notice -->
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    <lastmod>2026-02-08</lastmod>
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  <!-- ================================================================== -->
  <!-- Compliance Boundary -->
  <!-- ================================================================== -->
  <url>
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    <lastmod>2026-02-08</lastmod>
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    <priority>0.7</priority>
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  <!-- ================================================================== -->
  <!-- Institutional Only -->
  <!-- ================================================================== -->
  <url>
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    <lastmod>2026-02-08</lastmod>
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  <!-- ================================================================== -->
  <!-- Whitepaper: Family Governance Framework HK 2026 -->
  <!-- ================================================================== -->
  <url>
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