<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31310198</termId><termName>insurance valuation</termName><termType>PT</termType><termNote><![CDATA[ The estimation of the price or value of property for the purposes of insurance. ]]></termNote><termCreatedDate>2026-03-30 20:23:34</termCreatedDate><relation><relationType>UF</relationType><termId>31310199</termId><termName>valuation, insurance</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31318615</termId><termName>appraising</termName><termType>PT</termType></relation><relation><relationType>BT</relationType><termId>31300623</termId><termName>valuation</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31481552</termId><termName>fixed-price contracts</termName><termType>PT</termType></relation></term>  </Zthes>