<?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://www.nyandnj.com/article/aca-2027-premiums-ny-nj-open-enrollment</loc>
    <news:news>
      <news:publication>
        <news:name>뉴욕앤뉴저지 NY&amp;NJ</news:name>
        <news:language>ko</news:language>
      </news:publication>
      <news:publication_date>2026-10-06T13:08:21.510Z</news:publication_date>
      <news:title>내년 개인 건강보험료, 뉴욕 6%·뉴저지 20%대 인상… 11월 1일 가입 시작</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.nyandnj.com/article/nj-abc-test-independent-contractor-rule-2026-10</loc>
    <news:news>
      <news:publication>
        <news:name>뉴욕앤뉴저지 NY&amp;NJ</news:name>
        <news:language>ko</news:language>
      </news:publication>
      <news:publication_date>2026-10-06T13:01:29.573Z</news:publication_date>
      <news:title>&apos;1099&apos;로 쓰던 사람, 뉴저지에선 이제 직원으로 봐야 할 수도</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.nyandnj.com/article/nj-transit-portal-north-bridge-cutover-2026-10</loc>
    <news:news>
      <news:publication>
        <news:name>뉴욕앤뉴저지 NY&amp;NJ</news:name>
        <news:language>ko</news:language>
      </news:publication>
      <news:publication_date>2026-10-06T12:58:35.685Z</news:publication_date>
      <news:title>NJ트랜짓 5주간 감축 운행… 미드타운 다이렉트는 평일 호보컨까지만</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.nyandnj.com/article/%ED%8C%AC%EB%8D%B0%EB%AF%B9-%EC%9C%A0%EC%82%B0%EC%9D%98-%EC%A2%85%EC%96%B8%EA%B3%BC-%EB%8F%84%EC%8B%AC%EC%9D%98-%EC%97%AD%EC%8A%B5-rto%EC%82%AC%EB%AC%B4%EC%8B%A4-%EB%B3%B5%EA%B7%80-%EB%8C%80</loc>
    <news:news>
      <news:publication>
        <news:name>뉴욕앤뉴저지 NY&amp;NJ</news:name>
        <news:language>ko</news:language>
      </news:publication>
      <news:publication_date>2026-10-05T10:12:00.000Z</news:publication_date>
      <news:title>팬데믹 유산의 종언과 도심의 역습: RTO(사무실 복귀) 대전환이 재편하는 주거·소비 지형과 AI 시대의 미래</news:title>
    </news:news>
  </url>
</urlset>