<?xml version="1.0" encoding="UTF-8"?><!-- edited with XMLSPY v2004 rel. 3 U (http://www.xmlspy.com) by Matthías Ásgeirsson (Landsbanki Islands) --><xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" attributeFormDefault="unqualified">	<xs:include schemaLocation="LI_Common_types.xsd"/>	<xs:element name="LI_Innsending_gagna_svar">		<xs:annotation>			<xs:documentation>Móttaka á RB strengjum - svar</xs:documentation>		</xs:annotation>		<xs:complexType>			<xs:sequence>				<xs:element name="timi" type="LI_timi_type"/>				<xs:element name="villa" type="LI_villa_type" minOccurs="0"/>				<xs:element name="villubod" type="LI_villubod_type" minOccurs="0"/>			</xs:sequence>		</xs:complexType>	</xs:element></xs:schema>