<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>14381</termId><termName>Fondo de reserva</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Tesauro</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>Fondo de reserva</termSortkey><termNote label="Registro Aleph"><![CDATA[ 6124 ]]></termNote><termCreatedDate>Fondo de reserva</termCreatedDate><relation><relationType>BT</relationType><termId>11589</termId><termName>Inversiones</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>14382</termId><termName>Reservas ordinarias</termName><termType>PT</termType></relation></term>  </Zthes>