<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31401177</termId><termName>certified checks</termName><termType>PT</termType><termNote><![CDATA[ Checks that certify that the signature of the drawer is genuine and that the depositor has sufficient funds on deposit for payment. ]]></termNote><termCreatedDate>2026-03-30 20:47:52</termCreatedDate><relation><relationType>UF</relationType><termId>31401178</termId><termName>certified check</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31401179</termId><termName>checks, certified</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31360110</termId><termName>checks</termName><termType>PT</termType></relation></term>  </Zthes>