<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31362421</termId><termName>return of loan</termName><termType>PT</termType><termNote><![CDATA[ Method of transferring loaned property back to the original owner or custodian. ]]></termNote><termCreatedDate>2026-03-30 20:37:47</termCreatedDate><relation><relationType>UF</relationType><termId>31362422</termId><termName>loans, returns of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31362423</termId><termName>returns of loans</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31329002</termId><termName>methods of acquisition</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31362413</termId><termName>loan</termName><termType>PT</termType></relation></term>  </Zthes>