<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31360126</termId><termName>drafts</termName><termType>PT</termType><termNote><![CDATA[ Written orders drawn by one party ordering a second party to pay a specified sum of money to a third party (who may be the first party); usually restricted to domestic transactions. For similar orders to pay used for foreign transactions, prefer "bills of exchange." ]]></termNote><termCreatedDate>2026-03-30 20:37:09</termCreatedDate><relation><relationType>UF</relationType><termId>31360127</termId><termName>bank draft</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360128</termId><termName>bank drafts</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360129</termId><termName>draft</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360130</termId><termName>drafts, bank</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>31360119</termId><termName>bills of exchange</termName><termType>PT</termType></relation></term>  </Zthes>