<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31326151</termId><termName>commercial paper</termName><termType>PT</termType><termNote><![CDATA[ Short-term, usually three-to-six-month, negotiable instruments that arise from commercial, as opposed to speculative, investment, or real estate, and public or private transactions. ]]></termNote><termCreatedDate>2026-03-30 20:27:54</termCreatedDate><relation><relationType>UF</relationType><termId>31326152</termId><termName>paper, commercial</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31307839</termId><termName>negotiable instruments</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31360110</termId><termName>checks</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31360119</termId><termName>bills of exchange</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31360126</termId><termName>drafts</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31360135</termId><termName>acceptances</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31451540</termId><termName>certificates of deposit</termName><termType>PT</termType></relation></term>  </Zthes>