<?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/ai-tutor-grades-drop-maryland-experiment</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T10:00:00.000Z</news:publication_date><news:title>AI 튜터를 줬더니 성적이 떨어졌다, 메릴랜드대 2,379명 실험에서 무슨 일이 있었나</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-reform-2027-government-plan</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T08:00:00.000Z</news:publication_date><news:title>실업급여 개정 정부안, 2027년 보험료 2.0%·주 6일 지급으로 구직자와 직장인에게 바뀌는 것</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-freelancer-part-time-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T08:00:00.000Z</news:publication_date><news:title>청년미래적금 프리랜서·알바·신입 2026: 2025년 국세청 소득이 있으면 대상, 올해 첫 취업은 다음 가입기간</news:title></news:news></url><url><loc>https://motifly.io/insight/robotaxi-night-weekend-crash-risk</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T06:00:00.000Z</news:publication_date><news:title>로보택시, 밤과 주말에도 사람보다 안전할까</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-suspension-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T04:00:00.000Z</news:publication_date><news:title>실업급여 수급정지, 2026년 수급자가 알아야 할 2주·4주 기준</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-married-couple-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T04:00:00.000Z</news:publication_date><news:title>청년미래적금 부부 2026: 둘 다 가입 가능, 맞벌이 2인 가구는 중위소득 250%</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-junior-developer-hiring-anthropic</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T02:00:00.000Z</news:publication_date><news:title>AI 신입 개발자 채용 27%→9%, 미국 Anthropic이 공개한 자기 회사 기술직 변화</news:title></news:news></url><url><loc>https://motifly.io/insight/district-vs-individual-heating-bill-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T01:00:00.000Z</news:publication_date><news:title>지역난방 개별난방 차이, 겨울 난방비는 고지서 어디서 갈리나</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-soldiers-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T00:00:00.000Z</news:publication_date><news:title>청년미래적금 군인 가입 2026: 장병 급여만 있어도 일반형, 병역 6년까지 나이에서 뺀다</news:title></news:news></url><url><loc>https://motifly.io/insight/self-employed-unemployment-benefit-2026</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-30T00:00:00.000Z</news:publication_date><news:title>자영업자 실업급여 2026: 가입 1년이면 120일, 폐업 사유가 갈림길</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-jobs-outlook-anthropic-expectations-gap-2030</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T12:00:00.000Z</news:publication_date><news:title>AI 일자리 전망, Anthropic 직원 75% 대 미국 직장인 28%: 2030년 기대 격차</news:title></news:news></url><url><loc>https://motifly.io/insight/ai-detector-tutor-vs-ghostwriter-study</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T10:00:00.000Z</news:publication_date><news:title>AI 탐지기에 걸린 과제 53.6%, 튜터로 쓴 학생과 대필시킨 학생은 무엇이 달랐나</news:title></news:news></url><url><loc>https://motifly.io/insight/youth-future-savings-2027-budget-proposal</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T08:00:00.000Z</news:publication_date><news:title>청년미래적금 2027 정부 예산안: 우대형 15%·비수도권 25%, 기존 가입자 소급은 어떻게 되나</news:title></news:news></url><url><loc>https://motifly.io/insight/unemployment-benefit-waiting-period-first-payment</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T08:00:00.000Z</news:publication_date><news:title>실업급여 대기기간부터 1차 실업인정까지, 2026년 퇴사자가 4주 안에 거치는 단계</news:title></news:news></url><url><loc>https://motifly.io/insight/autonomous-crash-types-intersection-pedestrian</loc><news:news><news:publication><news:name>motifly</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-10-29T06:00:00.000Z</news:publication_date><news:title>자율주행 사고는 어디서 줄었나, 교차로·보행자·자전거 비교</news:title></news:news></url><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></urlset>