<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31477292</termId><termName>insurance surveys</termName><termType>PT</termType><termNote><![CDATA[ Collections of data gathered and examined for the purpose of formulating insurance policies. ]]></termNote><termCreatedDate>2026-03-30 21:08:32</termCreatedDate><relation><relationType>UF</relationType><termId>31477293</termId><termName>insurance survey</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31477294</termId><termName>surveys, insurance</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31466556</termId><termName>insurance records</termName><termType>PT</termType></relation></term>  </Zthes>