<?xml version="1.0" encoding="UTF-8"?>
<!--
  Articles Sitemap for requestnotes.com
  ======================================
  Consolidated sitemap covering all article pages across every category.
  Categories: accounting, finance, tax, business

  Rules:
    - <lastmod> only — no <changefreq>, no <priority>
    - No fragment (#anchor) URLs
    - All slugs lowercase kebab-case
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Articles hub -->
  <url>
    <loc>https://requestnotes.com/articles/</loc>
    <lastmod>2026-06-02</lastmod>
  </url>

  <!-- ============================================================
       ACCOUNTING
       ============================================================ -->
  <url>
    <loc>https://requestnotes.com/articles/accounting/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/amortization-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/contribution-margin-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/break-even-analysis-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/fixed-cost-vs-variable-cost/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/accounts-receivable-vs-accounts-payable/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/depreciation-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/current-ratio-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/debit-vs-credit-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/assets-vs-liabilities/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/accrual-vs-cash-accounting/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/accounting/income-statement-vs-balance-sheet-vs-cash-flow-statement/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>

  <!-- ============================================================
       FINANCE
       ============================================================ -->
  <url>
    <loc>https://requestnotes.com/articles/finance/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/corporate-finance/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/dividend-yield-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/enterprise-value-vs-equity-value/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/fcff-vs-fcfe/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/free-cash-flow-vs-net-income/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/gross-margin-vs-operating-margin-vs-net-margin/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/operating-cash-flow-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/p-e-ratio-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/return-on-equity/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/revenue-vs-profit/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/stocks-vs-bonds/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/terminal-value-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/what-is-ebitda/</loc>
    <lastmod>2026-05-31</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/what-is-wacc/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/finance/working-capital-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>

  <!-- ============================================================
       TAX
       ============================================================ -->
  <url>
    <loc>https://requestnotes.com/articles/tax/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/direct-tax-vs-indirect-tax/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/effective-tax-rate-vs-marginal-tax-rate/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/progressive-tax-system-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/tax-avoidance-vs-tax-evasion/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/tax-deduction-vs-tax-credit/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/taxable-income-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/tax/vat-vs-gst-vs-sales-tax/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>

  <!-- ============================================================
       BUSINESS
       ============================================================ -->
  <url>
    <loc>https://requestnotes.com/articles/business/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>
  <url>
    <loc>https://requestnotes.com/articles/business/economies-of-scale-explained/</loc>
    <lastmod>2026-06-01</lastmod>
  </url>

</urlset>
