<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31403041</termId><termName>long-term loan</termName><termType>PT</termType><termNote><![CDATA[ Method of acquiring property for use over an extended period of time, but without transferring ownership to the second party. ]]></termNote><termCreatedDate>2026-03-30 20:48:24</termCreatedDate><relation><relationType>UF</relationType><termId>31403042</termId><termName>extended loan</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31403043</termId><termName>loan, long-term</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31403044</termId><termName>longterm loan</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31362413</termId><termName>loan</termName><termType>PT</termType></relation></term>  </Zthes>