<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>4660</termId><termName>INGENIERIA FINANCIERA</termName><termType>PT</termType><termLanguage>es-ES</termLanguage><termVocabulary>TESAURO DE MATERIAS DE SERBIULA</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>INGENIERIA FINANCIERA</termSortkey><termNote label="Scope"><![CDATA[ Usese para las obras sobre el desarrollo y uso de instrumentos financieros innovadores y sus procesos ]]></termNote><termCreatedDate>INGENIERIA FINANCIERA</termCreatedDate><termModifiedDate>2015-02-18 12:31:20</termModifiedDate><relation><relationType>BT</relationType><termId>1809</termId><termName>FINANZAS</termName><termType>PT</termType></relation></term>  </Zthes>