<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31360141</termId><termName>bonds</termName><termType>PT</termType><termNote><![CDATA[ Interest-bearing certificates of public or private debt, usually offered in series, constituting promises to pay the lender a certain amount of money at a fixed future date. ]]></termNote><termCreatedDate>2026-03-30 20:37:09</termCreatedDate><relation><relationType>UF</relationType><termId>31360142</termId><termName>bond</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31326156</termId><termName>promises to pay</termName><termType>PT</termType></relation><relation><relationType>BT</relationType><termId>31326159</termId><termName>credit instruments</termName><termType>PT</termType></relation></term>  </Zthes>