<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31341904</termId><termName>municipal finance</termName><termType>PT</termType><termNote><![CDATA[ Used generally for city, town, borough, or village finance. ]]></termNote><termCreatedDate>2026-03-30 20:32:12</termCreatedDate><relation><relationType>UF</relationType><termId>31341905</termId><termName>finance, municipal</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31318345</termId><termName>finance</termName><termType>PT</termType></relation></term>  </Zthes>