Add Insights article: CD Laddering for HOA Reserve Funds: A Practical Guide (2026-05-07)

- New article: articles/hoa-reserve-fund-cd-laddering.html
- Updated articles/index.html with new card (newest first)
- Updated sitemap.xml with new URL entry

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

sitemap.xml

@@ -37,11 +37,18 @@
     <!-- Insights / Blog -->
     <url>
         <loc>https://www.hoaledgeriq.com/articles/</loc>
-        <lastmod>2026-05-01</lastmod>
+        <lastmod>2026-05-07</lastmod>
         <changefreq>weekly</changefreq>
         <priority>0.85</priority>
     </url>
 
+    <url>
+        <loc>https://www.hoaledgeriq.com/articles/hoa-reserve-fund-cd-laddering</loc>
+        <lastmod>2026-05-07</lastmod>
+        <changefreq>monthly</changefreq>
+        <priority>0.80</priority>
+    </url>
+
     <url>
         <loc>https://www.hoaledgeriq.com/articles/hoa-budget-season-guide</loc>
         <lastmod>2026-05-01</lastmod>