<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31360119</termId><termName>bills of exchange</termName><termType>PT</termType><termNote><![CDATA[ Historically a form of paper currency used in Europe from the late Medieval to the early Modern period often as credit among merchants. Now refers to written orders to pay a specific sum of money on demand or at a specified future time; used with reference to foreign transactions; for similar orders to pay usually restricted to domestic transactions, use "drafts (negotiable instruments)." ]]></termNote><termCreatedDate>2026-03-30 20:37:09</termCreatedDate><relation><relationType>UF</relationType><termId>31360120</termId><termName>bill of exchange</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360121</termId><termName>exchange, bills of</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31326153</termId><termName>orders to pay</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31326151</termId><termName>commercial paper</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31360126</termId><termName>drafts</termName><termType>PT</termType></relation></term>  </Zthes>