<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31466532</termId><termName>hypothecation certificates</termName><termType>PT</termType><termNote><![CDATA[ Certificates attached to bills of exchange drawn against shipments of property that empower the holder to dispose of merchandise as security for the payment of the bill if payment or acceptance is refused. ]]></termNote><termCreatedDate>2026-03-30 21:05:35</termCreatedDate><relation><relationType>UF</relationType><termId>31466533</termId><termName>certificates, hypothecation</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31466534</termId><termName>hypothecation certificate</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31466535</termId><termName>letter of hypothecation</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31451519</termId><termName>mortgages</termName><termType>PT</termType></relation></term>  </Zthes>