<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>76617</termId><termName>POLÍTICA DE CRÉDITO</termName><termType>PT</termType><termLanguage>pt</termLanguage><termVocabulary>Vocabulário Controlado da USP</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>POLÍTICA DE CRÉDITO</termSortkey><termCreatedDate>POLÍTICA DE CRÉDITO</termCreatedDate><relation><relationType>BT</relationType><termId>31347</termId><termName>DÍVIDA</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>16392</termId><termName>CARTA DE CRÉDITO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>16431</termId><termName>CARTÃO DE CRÉDITO</termName><termType>PT</termType></relation></term>  </Zthes>