<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31300582</termId><termName>insurance</termName><termType>PT</termType><termNote><![CDATA[ Coverage by contract whereby for a stipulated consideration one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril. ]]></termNote><termCreatedDate>2026-03-30 20:20:43</termCreatedDate><relation><relationType>BT</relationType><termId>31298001</termId><termName>economic concepts</termName><termType>PT</termType></relation></term>  </Zthes>