<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>58019</termId><termName>RIESGO</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Vocabulario controlado de las Altas Cortes de Colombia</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>RIESGO</termSortkey><termCreatedDate>RIESGO</termCreatedDate><relation><relationType>BT</relationType><termId>14328</termId><termName>ELEMENTOS DEL CONTRATO DE SEGURO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>69509</termId><termName>ADMINISTRACIÓN DEL RIESGO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>67577</termId><termName>CONCEPTO DE RIESGO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>58020</termId><termName>CLASES DE RIESGO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>59725</termId><termName>VALORACIÓN DEL RIESGO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>58022</termId><termName>ESTADO DE RIESGO</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>59681</termId><termName>SUBROGACIÓN DEL RIESGO</termName><termType>PT</termType></relation></term>  </Zthes>