<?xml version="1.0" encoding="utf-8"?><mads xmlns="http://www.loc.gov/mads/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mads/
mads.xsd"><authority><topic authority="http://AATesaurus.cultura.gencat.cat/aat/getty_en">commercial paper</topic></authority><related type="other"><topic>checks</topic></related><related type="other"><topic>bills of exchange</topic></related><related type="other"><topic>drafts</topic></related><related type="other"><topic>acceptances</topic></related><related type="other"><topic>certificates of deposit</topic></related><related type="broader"><topic>negotiable instruments</topic></related><variant type="other"><topic>paper, commercial</topic></variant> <note xml:lang="en"><![CDATA[ Short-term, usually three-to-six-month, negotiable instruments that arise from commercial, as opposed to speculative, investment, or real estate, and public or private transactions. ]]></note></mads>