<?xml version="1.0" encoding="utf-8"?><!--Created on 9/13/2026 8:30:19 AM--><urlset xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://www.altroconsumo.it/salute/dal-medico/news/certificato-malattia-nuovo-chiarimento</loc><lastmod>2026-09-11T11:08:00+02:00</lastmod><news:news><news:publication><news:name>Altroconsumo</news:name><news:language>it</news:language></news:publication><news:publication_date>2026-09-11T11:08:00+02:00</news:publication_date><news:title>Certificato di malattia per il lavoro: ora può partire dal giorno prima della visita</news:title></news:news><image:image><image:loc>https://www.altroconsumo.it/-/media/altroconsumo/images/home/salute/dal%20medico/news/medicotienemanopenna1200x675.jpg</image:loc><image:caption>Medico tiene in mano una penna</image:caption></image:image></url><url><loc>https://www.altroconsumo.it/soldi/mutui/consigli/tassi-mutui-cosa-fare</loc><lastmod>2026-09-11T10:27:00+02:00</lastmod><news:news><news:publication><news:name>Altroconsumo</news:name><news:language>it</news:language></news:publication><news:publication_date>2026-09-11T10:27:00+02:00</news:publication_date><news:title>BCE, nuovo rialzo dei tassi: cosa scegliere tra mutuo fisso e variabile</news:title></news:news><image:image><image:loc>https://www.altroconsumo.it/-/media/altroconsumo/images/home/soldi/mutui/news/casacalcolatricemanicontratto800x450.jpg</image:loc><image:caption>Modellino di casa con mani che tengono calcolatrice e contratto</image:caption></image:image></url></urlset>