<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>9828604</termId><termName>finances</termName><termType>PT</termType><termCreatedDate>2026-03-30 20:25:45</termCreatedDate><relation><relationType>BT</relationType><termId>9823982</termId><termName>economia</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>9837373</termId><termName>finances municipals</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>9837374</termId><termName>public finance (traducció pendent)</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>9837375</termId><termName>microfinance (traducció pendent)</termName><termType>PT</termType></relation></term>  </Zthes>