<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31328982</termId><termName>loans</termName><termType>PT</termType><termNote><![CDATA[ A thing or money, the use of which by another party is allowed for a time, on the understanding that it shall be returned or an equivalent given; often let out at interest, meaning payment must be made for the use of the thing or money. ]]></termNote><termCreatedDate>2026-03-30 20:28:40</termCreatedDate><relation><relationType>UF</relationType><termId>31328983</termId><termName>loan</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31310069</termId><termName>property</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31318640</termId><termName>lending</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31362413</termId><termName>loan</termName><termType>PT</termType></relation></term>  </Zthes>