<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31300629</termId><termName>bear markets</termName><termType>PT</termType><termNote><![CDATA[ Stock market conditions characterized by the falling price of stock, as opposed to a bull market when prices are rising. ]]></termNote><termCreatedDate>2026-03-30 20:20:44</termCreatedDate><relation><relationType>UF</relationType><termId>31300630</termId><termName>bear market</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31298001</termId><termName>economic concepts</termName><termType>PT</termType></relation></term>  </Zthes>