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    <!-- The direct IRIS A2A transmitter for in-house tax teams. Keep information returns filing in-house after FIRE (last filing day: November 19, 2026): Pub 1220 FIRE files and spreadsheets in, validated against IRS business rules, transmitted directly to the IRS under Morado's own production TCC, audit-trailed after. Fully certified IRIS A2A transmitter. 94,000+ W-2Gs filed with zero IRS rejections. 1099 series, W-2G, 1098-T via IRIS A2A; 1042/1042-S via MeF. Built for 1,000 to 1,000,000+ forms a season. -->
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    <!-- LLM context file: product specs, features, pricing, ICP, technical Q&amp;A, case studies, industries -->
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    <!-- Extended LLM context: detailed comparisons (Sovos alternative, 1099 Pro alternative, Track1099/Avalara alternative), use cases, technical documentation, vertical positioning -->
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    <!-- Resources hub: guides on 1099 compliance, IRS FIRE to IRIS transition, e-filing via IRIS -->
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    <!-- Complete guide to the IRS FIRE to IRIS transition (2026). Retirement timeline (last FIRE filing day November 19, 2026, at 3 p.m. ET; IRIS-only after January 1, 2027), TCC requirements, XML schema changes, ATS testing, filing through a certified transmitter vs. self-credentialing, data quality checklist, 14-question FAQ. Cross-linked to W-2G case study and three industry pages. -->
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    <!-- Complete guide to IRS Form 1098-VLI Vehicle Loan Interest Statement (2026) for auto lenders, credit unions, captive finance, and dealers carrying paper. Covers OBBBA Section 70203 / IRC §163(h)(4) car loan interest deduction (up to $10,000, tax years 2025-2028, MAGI phaseout starting at $100,000 single / $200,000 joint), IRC §6050AA reporting requirements, Notice 2025-57 transition relief for CY 2025, $600 per-loan threshold, Specified Passenger Vehicle Loan (SPVL) and Applicable Passenger Vehicle (APV) definitions, box-by-box completion, IRIS A2A filing, §6721/§6722 penalties under Rev. Proc. 2025-32 ($340 base, $690 intentional disregard), required lender data fields, 12-question FAQ. -->
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    <!-- Case studies index: production filings at scale, customer engagements, IRS A2A transmissions -->
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    <!-- Case study: Southern California tribal casino filed 94,000+ W-2Gs through IRIS with zero IRS rejections in TY2025. Pre-flight validation, direct A2A transmission as a fully certified transmitter, six-artifact audit trail. -->
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    <!-- Technical deep-dive: filing 94,000 W-2Gs through IRIS A2A. IRS rule encoding (FS1H001, SHAREDIRFORM014, TMFST002_001, SMF027), pre-flight Excel validation against IRS business rules, edge-case handling, audit trail architecture. -->
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    <lastmod>2026-08-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <!-- Industries index: verticals Morado serves at volume - casinos, credit unions, banks, universities, public pensions and retirement systems, insurance carriers -->
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    <loc>https://morado1099.com/industries/casinos</loc>
    <lastmod>2026-08-24</lastmod>
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    <priority>0.85</priority>
    <!-- Casino W-2G and 1099 filing software: IRS-direct IRIS transmission for tribal casinos, commercial casinos, sportsbooks, and racetracks. 94,000 W-2Gs filed with zero IRS rejections. -->
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    <loc>https://morado1099.com/industries/banks</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <!-- Bank 1099 and 1098 filing software: IRS-direct IRIS A2A transmission for community banks, regional banks, and multi-bank holding companies. Ingests the Pub 1220 file bank cores already write (Fiserv Premier/Precision/Signature/Cleartouch, Jack Henry SilverLake/CIF 20/20/Core Director, FIS IBS/Horizon/Hogan, CSI, COCC). Five filing sources: deposit 1099-INT, lending 1098/1098-VLI/1099-C/1099-A, IRA and HSA custodial forms, trust-department 1099-INT/DIV/B, AP 1099-NEC/MISC. 1042-S for NRA deposit interest. Multi-charter/multi-EIN filing. 14-question FAQ. -->
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    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <!-- Credit union 1099 and 1098 filing software: 1099-INT, 1099-R, 5498, 1098, 1098-VLI through IRIS A2A. Ingests the Pub 1220 file cores already produce (Symitar, KeyStone, Fiserv, FIS, CU*BASE). Corrections, member copies, NCUA-ready audit trail. Serves credit unions, CUSOs, mortgage subservicers. -->
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    <loc>https://morado1099.com/industries/universities</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <!-- University 1042-S, 1098-T, and 1099 filing software: IRIS A2A and MeF transmission for higher education. International name parsing, treaty article validation, FERPA-aware data handling. -->
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    <loc>https://morado1099.com/industries/public-pensions</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <!-- Public pension and retirement system 1099-R filing software: IRS-direct IRIS A2A transmission at retirement system scale. Ingests the Pub 1220 file pension administration systems already write. No ID.me proofing or IRIS TCC application for agency staff. Serves statewide retirement systems, county and municipal pension plans, and government finance offices. -->
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    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <!-- Insurance carrier 1099 filing software: IRS-direct IRIS A2A transmission of 1099-R, 1099-NEC, 1099-MISC, 1099-INT, 5498 for life, annuity, P&amp;C, and health carriers. Ingests the Pub 1220 tax extract policy admin systems (DXC VANTAGE-ONE, CyberLife, wmA, Oracle OIPA, Accenture ALIP, Verisk FAST, Majesco, Sapiens, EXL LifePRO, Infosys McCamish VPAS) and TPAs (Zinnia) already write, plus commission-system (Varicent, SAP Commissions, VUE, Sircon), claims (Guidewire ClaimCenter, Duck Creek), and AP exports. Multi-payer/multi-EIN consolidation. TY2026 $2,000 threshold change covered. ACA 1095 forms clarified as AIR, not IRIS. 14-question FAQ. -->
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    <loc>https://morado1099.com/privacy</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
    <!-- Privacy Policy for the morado1099.com marketing site (U.S.). Plain-language summary table, then: information collected (contact data, device data, PostHog analytics and session replay), cookies, uses, sharing (service providers only, currently Vercel and PostHog), no sale or targeted advertising, retention (replay 30 days, analytics 12 months), U.S. state privacy rights and CCPA category table, contact privacy@morado1099.com. Does not cover the Morado application or customer filing data. -->
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    <loc>https://app.morado1099.com</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
    <!-- Morado web application. Schedule a demo to get access. -->
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