<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>31347</termId><termName>DÍVIDA</termName><termType>PT</termType><termLanguage>pt</termLanguage><termVocabulary>Vocabulário Controlado da USP</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>DÍVIDA</termSortkey><termCreatedDate>DÍVIDA</termCreatedDate><relation><relationType>BT</relationType><termId>25182</termId><termName>CRÉDITO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>4272</termId><termName>AMORTIZAÇÃO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>78105</termId><termName>PRESTAÇÃO DE CONTAS</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>56508</termId><termName>JUROS</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>52458</termId><termName>INCENTIVO CREDITÍCIO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>76617</termId><termName>POLÍTICA DE CRÉDITO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>87924</termId><termName>SEGURO DE CRÉDITO</termName><termType>PT</termType></relation></term>  </Zthes>