<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31351888</termId><termName>banks</termName><termType>PT</termType><termNote><![CDATA[ Elevations, typically located on shelves, over which the depth of water is relatively shallow but sufficient for most surface navigation. ]]></termNote><termCreatedDate>2026-03-30 20:34:58</termCreatedDate><relation><relationType>UF</relationType><termId>31351889</termId><termName>bank</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31324165</termId><termName>landforms</termName><termType>PT</termType></relation></term>  </Zthes>