<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>3202</termId><termName>Seguro contra daños</termName><termType>TT</termType><termLanguage>es</termLanguage><termVocabulary>INDICES DE MATERIAS</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>Seguro contra daños</termSortkey><termCreatedDate>Seguro contra daños</termCreatedDate><relation><relationType>RT</relationType><termId>3197</termId><termName>Seguro de accidentes</termName><termType>PT</termType></relation></term>  </Zthes>