<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31300568</termId><termName>amortization</termName><termType>PT</termType><termNote><![CDATA[ Gradual reduction of a financial obligation by payment of a part of the principal, contribution to a sinking fund, or the gradual depreciation of an asset. ]]></termNote><termCreatedDate>2026-03-30 20:20:43</termCreatedDate><relation><relationType>UF</relationType><termId>31300569</termId><termName>amortisation</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31298001</termId><termName>economic concepts</termName><termType>PT</termType></relation></term>  </Zthes>