<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31318613</termId><termName>estimating</termName><termType>PT</termType><termNote><![CDATA[ Giving an approximate or tentative judgment regarding the value or quality of something. ]]></termNote><termCreatedDate>2026-03-30 20:25:49</termCreatedDate><relation><relationType>UF</relationType><termId>31318614</termId><termName>estimated</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31305295</termId><termName>economic and financial functions</termName><termType>PT</termType></relation></term>  </Zthes>