<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://motifly.io/insight/youth-future-savings-banks-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T04:00:00.000Z</news:publication_date><news:title>청년미래적금 은행 14곳 2026: 어디서 가입하나, 카카오뱅크 10만 좌 한도·토스뱅크는 3차부터</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-extension-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T04:00:00.000Z</news:publication_date><news:title>실업급여 연장 2026, 훈련·개별·특별 3종 연장급여 받을 수 있는 사람</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-unemployment-outlook-2030-us-scenarios</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T02:00:00.000Z</news:publication_date><news:title>AI 실업률 전망: 2030년 미국 실업률 약 5%, Anthropic 경제팀이 그린 시나리오 셋</news:title></news:news></url><url><loc>https://motifly.io/insight/city-gas-bill-calculation-mj-seoul-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T01:00:00.000Z</news:publication_date><news:title>도시가스 요금 계산은 왜 ㎥가 아니라 MJ로 할까</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-180-days-insured-unit-period</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T00:00:00.000Z</news:publication_date><news:title>실업급여 180일, 2026년 퇴사자가 세는 법: 피보험단위기간은 달력 일수와 다르다</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-small-business-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T00:00:00.000Z</news:publication_date><news:title>청년미래적금 소상공인 2026, 연매출 1억 원 이하면 우대형 12%</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-adopting-firms-hiring-ramp-revelio</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T12:00:00.000Z</news:publication_date><news:title>AI 도입 기업 채용, 신입 12% 늘었다: 미국 Ramp·Revelio 2만1천 개 기업 분석</news:title></news:news></url><url><loc>https://motifly.io/insight/gemini-student-free-plan-study-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T10:00:00.000Z</news:publication_date><news:title>제미나이 학생 무료 1년, 받기만 하면 공부가 될까</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-age-50-65-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T08:00:00.000Z</news:publication_date><news:title>실업급여 나이 기준 2026, 50세 넘으면 최대 270일</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-early-termination</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T08:00:00.000Z</news:publication_date><news:title>청년미래적금 중도해지, 2026 특별중도해지 사유 6가지와 재가입 기여금 조정비율</news:title></news:news></url><url><loc>https://motifly.io/insight/waymo-95-percent-crash-reduction-baseline</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T06:00:00.000Z</news:publication_date><news:title>웨이모 사고 95% 감소, 누구와 비교한 숫자인가</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-leap-account-switch-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T04:00:00.000Z</news:publication_date><news:title>청년도약계좌 갈아타기 2026: 기존 가입자 5단계 순서, 11월 27일까지 특별중도해지</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-recommended-resignation-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T04:00:00.000Z</news:publication_date><news:title>실업급여 권고사직 2026: 피보험 180일 채운 비자발 이직자가 인정받는 조건과 서류</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-computer-science-graduate-jobs-us-census</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T02:00:00.000Z</news:publication_date><news:title>AI 컴퓨터공학 취업, 노출 상위 10% 전공의 첫 취업·첫 임금이 함께 낮아졌다: 미국 인구조사국이 추적한 졸업생</news:title></news:news></url><url><loc>https://motifly.io/insight/electricity-progressive-tiers-winter-400kwh</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T01:00:00.000Z</news:publication_date><news:title>전기요금 누진세 구간, 겨울에 400kWh를 넘기면 고지서가 얼마나 뛰나</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-government-contribution-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T00:00:00.000Z</news:publication_date><news:title>청년미래적금 기여금 2026: 일반형 6%·우대형 12%, 총급여 6천만 원 넘으면 비과세만</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-voluntary-resignation-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-28T00:00:00.000Z</news:publication_date><news:title>실업급여 자발적 퇴사 2026: 이직 전 1년 중 2개월 기준과 정당한 이직 사유</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-college-graduate-unemployment-nber-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T12:00:00.000Z</news:publication_date><news:title>AI 대졸 실업, 2026년 여름 미국 최근 대졸자 실업률은 튀지 않았다: NBER 워킹페이퍼</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-part-time-job-reporting</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T08:00:00.000Z</news:publication_date><news:title>실업급여 알바 2026년 기준: 수급자 근로 미신고 2회면 전면 수급 제한</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-interest-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T08:00:00.000Z</news:publication_date><news:title>청년미래적금 이자 2026: 3년 고정 기본 5%, 금융위 예시 만기 2,110만 원과 2,227만 원</news:title></news:news></url><url><loc>https://motifly.io/insight/fuel-cost-adjustment-rate-2026-why-5-won</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T06:11:54.869Z</news:publication_date><news:title>연료비조정요금은 왜 2026년 내내 5원이었나</news:title></news:news></url><url><loc>https://motifly.io/insight/waymo-rider-only-miles-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T05:55:25.730Z</news:publication_date><news:title>웨이모 무인 주행 2억 7,130만 마일, 로보택시는 어디까지 왔나</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-study-test-score-experiment-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T05:50:17.747Z</news:publication_date><news:title>AI공부, 시험 점수를 올릴까: 대학생 211명 실험이 답한 0.27</news:title></news:news></url><url><loc>https://motifly.io/insight/electricity-bill-how-to-read-2026-q4</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-27T05:42:41.395Z</news:publication_date><news:title>전기요금 계산 방법, 10월 고지서를 한 줄씩 읽어 보면</news:title></news:news></url></urlset>