Copy XML and Change Element Value using XSLT

[mskichu]

hi,

I have a xml in which I want to replace the element(s) value with XSLT

Xml message

[INDENT]<Message>
<case>
<party1>
<!--  there are other elements -->
<notes id="1">abcd</notes>
<notes id="2">abcd</notes>
<notes id="3">abcd</notes>
   -----

<notes id=n>some text</notes>
</party1>

<party2>
<!--  there are other elements -->
<notes id="1">abcd</notes>
<notes id="2">abcd</notes>
<notes id="3">abcd</notes>
   -----

<notes id=n>some text</notes>
</party2>

<client1>

<!--  there are other elements -->
<notes id="1">abcd</notes>
<notes id="2">some text</notes>
<notes id="3">some text</notes>
   -----

<notes id="n">some text</notes>

</client1>

<client2>

<!--  there are other elements -->
<notes id="1">some text</notes>
<notes id="2">some text</notes>
<notes id="3">some text</notes>
   -----

<notes id="n">some text</notes>

</client2>


</case>
</Message>[/INDENT]

From the above xml I want to copy all the elements to another xml but, I want to modify the values <notes> element to some other value.

I have managed to construct a XSL like this.

XSL :

<?xml version='1.0' encoding='ISO-8859-1'?> 
<xsl:stylesheet version="1.0" xmlns:xsl="http://www.w3.org/1999/XSL/Transform"> 
<xsl:output method="xml" indent="yes"/>
<xsl:strip-space elements="*"/>
<xsl:key name="nvalue" match="notes" use="text()"/>

<xsl:template match="node()">
        <xsl:copy>
                <xsl:copy-of select="@*"/>
         <xsl:apply-templates select="node()"/>
        </xsl:copy>
</xsl:template>
 
<xsl:apply-templates select="notes"/>

<xsl:template match="notes">
<notes>replace notes</notes>
</xsl:template>
   
</xsl:stylesheet>

please help me with the XSL

Many thanks in advance

[Dormilich]

What's the problem? It's working as you intend (...once you correct the xml (it's not well-formed)—put the attribute values in quotes)

regards

[jkmyoung]

Well, from your code you'd be missing the id attributes on notes nodes. Is that the problem?

Could change your notes template accordingly.
[code=xml]
<xsl:template match="notes">
<xsl:copy>
<xsl:copy-of select="@*"/>
<xsl:text>repla ce notes</xsl:text>
</xsl:copy>
</xsl:template>
[/code]
<xsl:copy-of select="@*"/> is the line that would copy the id attributes.

[mskichu]

Thank you very much for point it out !! Yes I'm missing the @ attribute template. I have corrected it. like this.

<?xml version="1.0"?>
<xsl:stylesheet version="1.0" xmlns:xsl="http://www.w3.org/1999/XSL/Transform">
	<xsl:template match="*">
		<xsl:copy>
			<xsl:apply-templates select="@*|*|text()"/>
		</xsl:copy>
	</xsl:template>
	<xsl:template match="notes">
		<notes><xsl:apply-templates select="@*"/>replaced Value</notes>
	</xsl:template>
	
	<xsl:template match="@*|text()">
		<xsl:copy/>
    </xsl:template>
	
</xsl:stylesheet>

But, I'm getting another issue it not working on the xml on which I intend to work
please let me know if changes for my XSL on below XML

<?xml version="1.0"?>
<message xmlns="somexsd">
  <control sequence_id="1">
    <msg_type>kFSM</msg_type>
    <msg_version>1.1.1</msg_version>
  </control>
  <case id="TEST" type="Personal">
    <party id="Client" sequence_number="1" type="Client">
      <title>Col</title>
      <forename>Sdfasd</forename>
      <surname>jsdfgsdf</surname>
      <known_as>Col Sdfasd Jsdfgsdf</known_as>
      <full_name>Col Sdfasd jsdfgsdf</full_name>
      <notes type="Personal" />
      <notes type="Contact" />
      <notes type="NDI changes" />
      <notes type="Income Summary" />
      <notes type="Earned income" />
      <notes type="Other income" />
      <notes type="Employee benefits" />
      <contact>
        <address>
          <house_name_number />
          <line_1 />
          <line_2 />
          <line_3 />
          <line_4 />
          <postcode />
        </address>
        <telephone type="daytime">
          <number />
        </telephone>
        <telephone type="evening">
          <number />
        </telephone>
        <telephone type="mobile">
          <number />
        </telephone>
        <email>
          <address />
        </email>
        <best_time />
      </contact>
      <date_of_birth />
      <nationality>GBR</nationality>
      <national_insurance_number />
      <health>
        <notes type="Health" />
      </health>
      <relationship_to />
      <residential_status />
      <highest_tax_rate />
      <employment sequence_number="1">
        <earnings type="Basic">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Bonus">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Payslip">
          <frequency>Monthly</frequency>
        </earnings>
        <start_date />
      </employment>
      <employment sequence_number="2">
        <earnings type="Basic">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Bonus">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Total">
          <frequency>Monthly</frequency>
        </earnings>
      </employment>
      <employment sequence_number="3">
        <benefit type="Death in service" />
        <benefit type="Dependants pension" />
        <benefit type="Sickness period 1">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Sickness period 2">
          <duration />
          <earnings_related />
        </benefit>
      </employment>
      <income sequence_number="1" type="Agreed investment and asset">
        <amount_net />
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="9" type="Other Total" />
      <income type="State benefits">
        <amount_net />
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="1" type="Earned">
        <amount_gross />
        <frequency>Annually</frequency>
      </income>
      <income sequence_number="1" type="Earned and Other">
        <amount_net>0</amount_net>
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="1" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="2" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="3" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="4" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="5" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="6" type="Other">
        <frequency>Monthly</frequency>
      </income>
      <expenditure type="Agreed general">
        <amount />
      </expenditure>
      <expenditure type="Agreed mortgage">
        <amount />
      </expenditure>
      <expenditure type="Agreed liability">
        <amount />
      </expenditure>
      <expenditure type="Agreed protection policy">
        <amount />
      </expenditure>
      <expenditure type="Agreed investment policy">
        <amount />
      </expenditure>
      <expenditure type="Rent">
        <amount />
      </expenditure>
      <expenditure type="Council tax">
        <amount />
      </expenditure>
      <expenditure type="Utilities">
        <amount />
      </expenditure>
      <expenditure type="Telephone">
        <amount />
      </expenditure>
      <expenditure type="Food">
        <amount />
      </expenditure>
      <expenditure type="Travel">
        <amount />
      </expenditure>
      <expenditure type="Leisure">
        <amount />
      </expenditure>
      <expenditure type="General insurance">
        <amount />
      </expenditure>
      <expenditure type="Estimated">
        <amount />
      </expenditure>
      <expenditure type="General total">
        <amount>0</amount>
      </expenditure>
      <affordability type="Net disposable income">
        <amount>0</amount>
      </affordability>
      <affordability type="Prepared to spend">
        <amount />
      </affordability>
      <affordability type="Lumpsums">
        <information_ind code="" type="Available lump sums" />
      </affordability>
      <retirement>
        <company_pension>
          <future_joining_date />
        </company_pension>
        <information_ind type="Divorced Pension" code="" />
      </retirement>
      <investment />
      <estate>
        <notes type="Steps taken" />
        <notes type="Will restructure" />
        <notes type="Use of trusts" />
        <notes type="Making gifts" />
        <notes type="Funding life assurance" />
        <notes type="Equalising estate" />
      </estate>
      <need type="Critical Illness">
        <in_scope_ind code="Y">Yes</in_scope_ind>
        <description>A cash sum if critically ill</description>
        <required type="Lump sum">
          <amount />
        </required>
        <required type="Future liabilities">
          <amount />
        </required>
        <required type="Extra living costs">
          <amount />
        </required>
        <required type="Total">
          <amount>0</amount>
        </required>
        <duration>
          <years />
        </duration>
        <existing_provision type="CI policies" />
        <existing_provision type="Investments" />
        <existing_provision type="Other capital" />
        <existing_provision type="Total">0</existing_provision>
        <shortfall>0</shortfall>
        <attitude_to_risk />
      </need>
      <need type="Family Protection Income">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Providing an income for Dependants on death</description>
        <required type="Income" />
        <required type="Lump sum" />
        <duration>
          <whole_of_life_ind />
        </duration>
        <existing_provision type="Life policies lump sums" />
        <existing_provision type="Investment lump sums" />
        <existing_provision type="Other capital" />
        <existing_provision type="Death in service" />
        <existing_provision type="Total lump sums" />
        <existing_provision type="Life policies income" />
        <existing_provision type="Investment income" />
        <existing_provision type="Dependants pension" />
        <existing_provision type="State Benefits" />
        <existing_provision type="Total income" />
        <shortfall type="Income" />
        <shortfall type="Lump sum" />
      </need>
      <need type="Family Protection Lumpsum">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Providing a Capital sum on death</description>
        <required type="Lump sum" />
        <duration>
          <whole_of_life_ind />
        </duration>
      </need>
      <need type="Disability">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>An income if ill or disabled</description>
        <required />
        <deferred_period />
        <duration />
        <existing_provision type="Emp benefits tp 4 weeks" />
        <existing_provision type="PHI policies to 4 weeks" />
        <existing_provision type="Emp benefits to 13 weeks" />
        <existing_provision type="PHI policies to 13 weeks" />
        <existing_provision type="Emp benefits to 26 weeks" />
        <existing_provision type="PHI policies to 26 weeks" />
        <existing_provision type="Emp benefits to 52 weeks" />
        <existing_provision type="PHI policies to 52 weeks" />
        <existing_provision type="Emp benefits to expiry" />
        <existing_provision type="PHI policies to expiry" />
        <shortfall type="To expiry" />
      </need>
      <need type="Mortgage/Loans">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Protection for your Mortgage/Loans</description>
        <required type="Mortgages/Loans" />
        <required type="Liabilities" />
        <required type="Total" />
        <duration />
        <existing_provision type="Sums Assured" />
        <existing_provision type="CI benefits" />
        <existing_provision type="Other capital" />
        <existing_provision type="Total on death" />
        <existing_provision type="Total on critical illness" />
        <shortfall type="On death" />
        <shortfall type="On critical illness" />
      </need>
      <need type="Family Protection">
        <in_scope_ind code="N">No</in_scope_ind>
      </need>
      <need type="Retirement Income">
        <in_scope_ind code="Y">Yes</in_scope_ind>
        <description>Improving retirement income</description>
        <required />
        <notes type="Transitional Protection" />
        <notes type="Certificate Details" />
        <notes type="ASP Details" />
        <information_ind type="Transitional Protection" />
        <information_ind type="Someone else ASP" />
      </need>
      <need type="Long Term Care">
        <in_scope_ind code="Y">Yes</in_scope_ind>
        <description>Long term care</description>
        <required type="Cost of care">
          <amount>20000</amount>
        </required>
        <required type="Partner Income">
          <amount />
        </required>
        <existing_provision type="Investment Income">0</existing_provision>
        <existing_provision type="Pension Income">0</existing_provision>
        <existing_provision type="State Benefits" />
        <shortfall>20000</shortfall>
        <attitude_to_risk />
      </need>
      <need type="IHT first death">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Inheritance tax planning 1st Death</description>
        <existing_provision type="Non exempt gifts" />
        <existing_provision type="Non exempt trust money" />
        <existing_provision type="Partner assets" />
        <existing_provision type="IHT exemptions" />
        <existing_provision type="Total estate" />
        <existing_provision type="Tax free estate" />
        <existing_provision type="Taxable estate" />
        <shortfall type="IHT first death" />
        <notes type="Non exempt gifts" />
        <notes type="Non exempt trust money" />
        <notes type="IHT exemptions" />
      </need>
      <need type="IHT second death">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Inheritance tax planning 2nd Death</description>
        <existing_provision type="Non exempt gifts" />
        <existing_provision type="Non exempt trust money" />
        <existing_provision type="Sums liable" />
        <existing_provision type="IHT exemptions" />
        <existing_provision type="Total estate" />
        <existing_provision type="Tax free estate" />
        <existing_provision type="Taxable estate" />
        <shortfall type="IHT second death" />
        <notes type="IHT exemptions" />
        <notes type="Sums liable" />
      </need>
      <need type="Investments">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Review your lump sum investment options</description>
        <required type="Income" />
        <deferred_period />
        <duration />
        <existing_provision type="Agreed investment amount" />
        <commitment type="Planned expenditure" />
        <commitment type="Debt repayment" />
        <commitment type="Client pension" />
        <commitment type="Cash reserve" />
        <commitment type="Total" />
        <commitment type="Available to invest" />
        <notes type="Investment reason" />
        <notes type="Goals not achieved" />
        <notes type="Income reason" />
        <notes type="Agreed investment source" />
      </need>
      <need type="Savings">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Saving for that special occasion</description>
        <commitment type="Prepared to save" />
        <notes type="Savings reason" />
        <notes type="Savings other reason" />
      </need>
      <need type="LTC Calculator">
        <in_scope_ind code="N">No</in_scope_ind>
        <required type="Cost of care" />
        <required type="Partner Income" />
        <existing_provision type="Investment Income" />
        <existing_provision type="Pension Income" />
        <existing_provision type="State Benefits" />
        <shortfall />
      </need>
      <need type="Replacement policy">
        <notes type="Policy details" />
        <notes type="Reason" />
        <notes type="Consequences" />
        <notes type="Other options" />
      </need>
      <customer_reference_number />
      <CIS_number />
      <proof_of_identity>
        <id_verification />
        <address_verification />
        <document type="Customer ID">
          <date type="Issue/Expiry" />
        </document>
        <document type="Address ID">
          <date type="Issue/Expiry" />
        </document>
        <notes type="ID Benefit type" />
        <notes type="Other ID Benefit type" />
        <notes type="Address" />
        <notes type="Other address verification" />
        <notes type="Address Benefit type" />
        <notes type="Other address benefit type" />
        <notes type="Proof of Identity" />
        <date_obtained>
          <date />
        </date_obtained>
      </proof_of_identity>
      <information_ind type="Accounts" />
      <information_ind type="Fixed interest" />
      <information_ind type="Cash ISAs" />
      <information_ind type="Equity ISAs" />
      <information_ind type="Shares" />
      <information_ind type="Bonds" />
      <information_ind type="Unit trusts" />
      <information_ind type="Annuities" />
      <information_ind type="Various" />
      <notes type="Investment ISA Cash amount" />
    </party>
    <party id="Partner" sequence_number="2" type="Partner">
      <full_name />
      <notes type="Personal" />
      <notes type="Contact" />
      <notes type="Income Summary" />
      <notes type="Earned income" />
      <notes type="Other income" />
      <notes type="Employee benefits" />
      <contact>
        <address />
        <telephone type="daytime" />
        <telephone type="evening" />
        <telephone type="mobile" />
        <email />
        <same_as />
      </contact>
      <nationality />
      <health>
        <notes type="Health" />
      </health>
      <employment sequence_number="1">
        <earnings type="Basic">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Bonus">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Payslip">
          <frequency>Monthly</frequency>
        </earnings>
        <start_date />
      </employment>
      <employment sequence_number="2">
        <earnings type="Basic">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Bonus">
          <frequency>Annually</frequency>
        </earnings>
        <earnings type="Total">
          <frequency>Monthly</frequency>
        </earnings>
      </employment>
      <employment sequence_number="3">
        <benefit type="Death in service" />
        <benefit type="Dependants pension" />
        <benefit type="Sickness period 1">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Sickness period 2">
          <duration />
          <earnings_related />
        </benefit>
      </employment>
      <income sequence_number="1" type="Agreed investment and asset">
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="9" type="Other Total" />
      <income type="State benefits">
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="1" type="Earned">
        <frequency>Annually</frequency>
      </income>
      <income sequence_number="1" type="Earned and Other">
        <frequency>Monthly</frequency>
      </income>
      <income sequence_number="1" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="2" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="3" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="4" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="5" type="Other">
        <frequency>Monthly</frequency>
        <income_ind />
      </income>
      <income sequence_number="6" type="Other">
        <frequency>Monthly</frequency>
      </income>
      <expenditure type="Agreed general" />
      <expenditure type="Agreed mortgage" />
      <expenditure type="Agreed liability" />
      <expenditure type="Agreed protection policy" />
      <expenditure type="Agreed investment policy" />
      <expenditure type="Rent" />
      <expenditure type="Council tax" />
      <expenditure type="Utilities" />
      <expenditure type="Telephone" />
      <expenditure type="Food" />
      <expenditure type="Travel" />
      <expenditure type="Leisure" />
      <expenditure type="General insurance" />
      <expenditure type="Estimated" />
      <expenditure type="General total" />
      <affordability type="Net disposable income" />
      <retirement>
        <company_pension>
          <future_joining_date />
        </company_pension>
        <information_ind type="Divorced Pension" />
      </retirement>
      <investment />
      <estate>
        <notes type="Steps taken" />
        <notes type="Will restructure" />
        <notes type="Use of trusts" />
        <notes type="Making gifts" />
        <notes type="Funding life assurance" />
        <notes type="Equalising estate" />
      </estate>
      <need type="Critical Illness">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>A cash sum if critically ill</description>
        <required type="Lump sum" />
        <required type="Future liabilities" />
        <required type="Extra living costs" />
        <required type="Total" />
        <duration />
        <existing_provision type="CI policies" />
        <existing_provision type="Investments" />
        <existing_provision type="Other capital" />
        <existing_provision type="Total" />
        <shortfall />
      </need>
      <need type="Family Protection Income">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Providing an income for Dependants on death</description>
        <required type="Income" />
        <required type="Lump sum" />
        <duration>
          <whole_of_life_ind />
        </duration>
        <existing_provision type="Life policies lump sums" />
        <existing_provision type="Investment lump sums" />
        <existing_provision type="Other capital" />
        <existing_provision type="Death in service" />
        <existing_provision type="Total lump sums" />
        <existing_provision type="Life policies income" />
        <existing_provision type="Investment income" />
        <existing_provision type="Dependants pension" />
        <existing_provision type="State Benefits" />
        <existing_provision type="Total income" />
        <shortfall type="Income" />
        <shortfall type="Lump sum" />
      </need>
      <need type="Family Protection Lumpsum">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Providing a Capital sum on death</description>
        <required type="Lump sum" />
        <duration>
          <whole_of_life_ind />
        </duration>
      </need>
      <need type="Disability">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>An income if ill or disabled</description>
        <required />
        <deferred_period />
        <duration />
        <existing_provision type="Emp benefits to 4 weeks" />
        <existing_provision type="PHI policies to 4 weeks" />
        <existing_provision type="Emp benefits to 13 weeks" />
        <existing_provision type="PHI policies to 13 weeks" />
        <existing_provision type="Emp benefits to 26 weeks" />
        <existing_provision type="PHI policies to 26 weeks" />
        <existing_provision type="Emp benefits to 52 weeks" />
        <existing_provision type="PHI policies to 52 weeks" />
        <existing_provision type="Emp benefits to expiry" />
        <existing_provision type="PHI policies to expiry" />
        <shortfall type="To expiry" />
      </need>
      <need type="Mortgage/Loans">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Protection for your Mortgage/Loans</description>
        <required type="Mortgages/Loans" />
        <required type="Liabilities" />
        <required type="Total" />
        <duration />
        <existing_provision type="Sums Assured" />
        <existing_provision type="CI benefits" />
        <existing_provision type="Other capital" />
        <existing_provision type="Total on death" />
        <existing_provision type="Total on critical illness" />
        <shortfall type="On death" />
        <shortfall type="On critical illness" />
      </need>
      <need type="Family Protection">
        <in_scope_ind code="N">No</in_scope_ind>
      </need>
      <need type="Retirement Income">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Improving retirement income</description>
        <required />
        <notes type="Transitional Protection" />
        <notes type="Certificate Details" />
        <notes type="ASP Details" />
        <information_ind type="Transitional Protection" />
        <information_ind type="Someone else ASP" />
      </need>
      <need type="Long Term Care">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Long term care</description>
        <required type="Cost of care" />
        <required type="Partner Income" />
        <existing_provision type="Investment Income" />
        <existing_provision type="Pension Income" />
        <existing_provision type="State Benefits" />
        <shortfall />
      </need>
      <need type="LTC Calculator">
        <in_scope_ind code="N">No</in_scope_ind>
        <required type="Cost of care" />
        <required type="Partner Income" />
        <existing_provision type="Investment Income" />
        <existing_provision type="Pension Income" />
        <existing_provision type="State Benefits" />
        <shortfall />
      </need>
      <need type="IHT first death">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Inheritance tax planning 1st Death</description>
        <existing_provision type="Non exempt gifts" />
        <existing_provision type="Non exempt trust money" />
        <existing_provision type="Partner assets" />
        <existing_provision type="IHT exemptions" />
        <existing_provision type="Total estate" />
        <existing_provision type="Tax free estate" />
        <existing_provision type="Taxable estate" />
        <shortfall type="IHT first death" />
        <notes type="Non exempt gifts" />
        <notes type="Non exempt trust money" />
        <notes type="IHT exemptions" />
      </need>
      <need type="IHT second death">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Inheritance tax planning 2nd Death</description>
        <existing_provision type="Non exempt gifts" />
        <existing_provision type="Non exempt trust money" />
        <existing_provision type="Sums liable" />
        <existing_provision type="IHT exemptions" />
        <existing_provision type="Total estate" />
        <existing_provision type="Tax free estate" />
        <existing_provision type="Taxable estate" />
        <shortfall type="IHT second death" />
        <notes type="IHT exemptions" />
        <notes type="Sums liable" />
      </need>
      <need type="Investments">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Review your lump sum investment options</description>
        <required type="Income" />
        <deferred_period />
        <duration />
        <existing_provision type="Agreed investment amount" />
        <commitment type="Planned expenditure" />
        <commitment type="Debt repayment" />
        <commitment type="Partner pension" />
        <commitment type="Cash reserve" />
        <commitment type="Total" />
        <commitment type="Available to invest" />
        <notes type="Investment reason" />
        <notes type="Goals not achieved" />
        <notes type="Income reason" />
        <notes type="Agreed investment source" />
      </need>
      <need type="Savings">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Saving for that special occasion</description>
        <commitment type="Prepared to save" />
        <notes type="Savings reason" />
        <notes type="Savings other reason" />
      </need>
      <customer_reference_number />
      <CIS_number />
      <proof_of_identity>
        <id_verification />
        <address_verification />
        <document type="Customer ID">
          <date type="Issue/Expiry" />
        </document>
        <document type="Address ID">
          <date type="Issue/Expiry" />
        </document>
        <notes type="ID Benefit type" />
        <notes type="Other ID Benefit type" />
        <notes type="Address" />
        <notes type="Other address verification" />
        <notes type="Address Benefit type" />
        <notes type="Other address benefit type" />
        <notes type="Proof of Identity" />
        <date_obtained>
          <date />
        </date_obtained>
      </proof_of_identity>
      <information_ind type="Accounts" />
      <information_ind type="Fixed interest" />
      <information_ind type="Cash ISAs" />
      <information_ind type="Equity ISAs" />
      <information_ind type="Shares" />
      <information_ind type="Bonds" />
      <information_ind type="Unit trusts" />
      <information_ind type="Annuities" />
      <information_ind type="Various" />
      <notes type="Investment ISA Cash amount" />
    </party>
    <party id="Joint" type="Joint" sequence_number="3">
      <known_as />
      <expenditure type="Agreed general" />
      <expenditure type="Agreed mortgage" />
      <expenditure type="Agreed liability" />
      <expenditure type="Agreed protection policy" />
      <expenditure type="Agreed investment policy" />
      <expenditure type="Rent" />
      <expenditure type="Council tax" />
      <expenditure type="Utilities" />
      <expenditure type="Telephone" />
      <expenditure type="Food" />
      <expenditure type="Travel" />
      <expenditure type="Leisure" />
      <expenditure type="General insurance" />
      <expenditure type="Estimated" />
      <expenditure type="General total" />
      <affordability type="Net disposable income" />
      <need type="Savings">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Saving for that special occasion</description>
        <commitment type="Prepared to save" />
        <notes type="Savings reason" />
        <notes type="Savings other reason" />
      </need>
      <need type="Investments">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Review your lump sum investment options</description>
        <required type="Income" />
        <deferred_period />
        <duration />
        <existing_provision type="Agreed investment amount" />
        <commitment type="Planned expenditure" />
        <commitment type="Debt repayment" />
        <commitment type="Client pension" />
        <commitment type="Partner pension" />
        <commitment type="Cash reserve" />
        <commitment type="Total" />
        <commitment type="Available to invest" />
        <notes type="Investment reason" />
        <notes type="Goals not achieved" />
        <notes type="Income reason" />
        <notes type="Agreed investment source" />
      </need>
      <need type="Mortgage/Loans">
        <in_scope_ind code="N">No</in_scope_ind>
        <description>Protection for your Mortgage/Loans</description>
        <required type="Mortgages/Loans" />
        <required type="Liabilities" />
        <required type="Total" />
        <duration />
        <existing_provision type="Sums Assured" />
        <existing_provision type="CI benefits" />
        <existing_provision type="Other capital" />
        <existing_provision type="Total on death" />
        <existing_provision type="Total on critical illness" />
        <shortfall type="On death" />
        <shortfall type="On critical illness" />
      </need>
      <information_ind type="Accounts" />
      <information_ind type="Fixed interest" />
      <information_ind type="Cash ISAs" />
      <information_ind type="Equity ISAs" />
      <information_ind type="Shares" />
      <information_ind type="Bonds" />
      <information_ind type="Unit trusts" />
      <information_ind type="Annuities" />
      <information_ind type="Various" />
    </party>
    <adviser type="Financial">
      <full_name>Mr. Test Adviser</full_name>
      <contact>
        <telephone type="daytime">
          <number>(34)5345345</number>
        </telephone>
        <telephone type="mobile">
          <number>(23)4234234</number>
        </telephone>
      </contact>
      <company_reference_number>1232367</company_reference_number>
      <manager sequence_number="1">
        <full_name>Mrs. Jane Smythe</full_name>
        <contact>
          <telephone type="daytime">
            <number>(0000) 4564564</number>
          </telephone>
          <telephone type="mobile">
            <number>(3435) 345 4540</number>
          </telephone>
        </contact>
        <company_reference_number>3214567</company_reference_number>
      </manager>
    </adviser>
    <factfind>
      <asset sequence_number="1">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
        <information_ind type="Another asset" />
      </asset>
      <asset sequence_number="2">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
        <information_ind type="Another asset" />
      </asset>
      <asset sequence_number="3">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
        <information_ind type="Another asset" />
      </asset>
      <asset sequence_number="4">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
        <information_ind type="Another asset" />
      </asset>
      <asset sequence_number="5">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
        <information_ind type="Another asset" />
      </asset>
      <asset sequence_number="6">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Additional information" />
      </asset>
      <mortgage sequence_number="1">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Total" />
          <duration type="Remaining" />
        </redemption_penalty>
        <information_ind type="Another mortgage" />
        <notes type="Additional information" />
      </mortgage>
      <mortgage sequence_number="2">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Remaining" />
          <duration type="Total" />
        </redemption_penalty>
        <information_ind type="Another mortgage" />
        <notes type="Additional information" />
      </mortgage>
      <mortgage sequence_number="3">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Remaining" />
          <duration type="Total" />
        </redemption_penalty>
        <information_ind type="Another mortgage" />
        <notes type="Additional information" />
      </mortgage>
      <mortgage sequence_number="4">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Remaining" />
          <duration type="Total" />
        </redemption_penalty>
        <information_ind type="Another mortgage" />
        <notes type="Additional information" />
      </mortgage>
      <mortgage sequence_number="5">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Remaining" />
          <duration type="Total" />
        </redemption_penalty>
        <information_ind type="Another mortgage" />
        <notes type="Additional information" />
      </mortgage>
      <mortgage sequence_number="6">
        <outstanding_amount type="Repayment" />
        <outstanding_amount type="Interest only" />
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <redemption_penalty>
          <duration type="Remaining" />
          <duration type="Total" />
        </redemption_penalty>
        <notes type="Additional information" />
      </mortgage>
      <policy sequence_number="1" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <information_ind type="Another account" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="2" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <information_ind type="Another account" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="3" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <information_ind type="Another account" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="4" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <information_ind type="Another account" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="5" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <information_ind type="Another account" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="6" category="Accounts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value">
          <notice_period />
        </benefit>
        <benefit type="Income" />
        <notes type="Accounts" />
      </policy>
      <policy sequence_number="1" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another cash isa" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="2" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another cash isa" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="3" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another cash isa" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="4" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another cash isa" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="5" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another cash isa" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="6" category="Cash ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Cash ISAs" />
      </policy>
      <policy sequence_number="1" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another equity isa" />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="2" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another equity isa" />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="3" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another equity isa" />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="4" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another equity isa" />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="5" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another equity isa" />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="6" category="Equity ISAs">
        <contribution type="Current" />
        <contribution type="Tax year" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <notes type="Equity ISAs" />
      </policy>
      <policy sequence_number="1" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another fixed interest" />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="2" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another fixed interest" />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="3" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another fixed interest" />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="4" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another fixed interest" />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="5" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <information_ind type="Another fixed interest" />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="6" category="Fixed interest">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <fund />
        <notes type="Fixed interest" />
      </policy>
      <policy sequence_number="1" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another share holding" />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="2" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another share holding" />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="3" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another share holding" />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="4" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another share holding" />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="5" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another share holding" />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="6" category="Shares">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <notes type="Shares" />
      </policy>
      <policy sequence_number="1" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another bond" />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="2" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another bond" />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="3" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another bond" />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="4" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another bond" />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="5" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another bond" />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="6" category="Bonds">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <notes type="Bonds" />
      </policy>
      <policy sequence_number="1" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another unit trust" />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="2" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another unit trust" />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="3" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another unit trust" />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="4" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another unit trust" />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="5" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <information_ind type="Another unit trust" />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="6" category="Unit trusts">
        <ownership_pc />
        <contribution type="Current" />
        <benefit type="Current value" />
        <benefit type="Income" />
        <duration />
        <fund />
        <notes type="Unit trusts" />
      </policy>
      <policy sequence_number="1" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <information_ind type="Another annuity" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="2" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <information_ind type="Another annuity" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="3" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <information_ind type="Another annuity" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="4" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <information_ind type="Another annuity" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="5" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <information_ind type="Another annuity" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="6" category="Annuities">
        <ownership_pc />
        <benefit type="Income" />
        <notes type="Annuities" />
      </policy>
      <policy sequence_number="1" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another various" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="2" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another various" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="3" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another various" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="4" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another various" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="5" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <information_ind type="Another various" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="6" category="Various">
        <ownership_pc />
        <benefit type="Current value" />
        <benefit type="Income" />
        <notes type="Various" />
        <notes type="Description" />
      </policy>
      <policy sequence_number="1" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="2" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="3" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="4" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="5" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="6" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="7" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="8" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="9" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another policy" />
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="10" category="Protection">
        <contribution type="Current">
          <increase />
        </contribution>
        <benefit type="Current value">
          <valuation_date />
        </benefit>
        <benefit type="Death" />
        <benefit type="Critical illness" />
        <benefit type="Disability">
          <deferred_period />
        </benefit>
        <duration>
          <start_date />
        </duration>
        <notes type="Additional information" />
      </policy>
      <policy sequence_number="1" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="2" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="3" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="4" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="5" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="6" category="Company Pension">
        <contribution type="Member">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Employer">
          <earnings_related />
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <earnings_related />
        </benefit>
        <benefit type="Retirement income" />
        <benefit type="Current fund" />
        <benefit type="Death in service" />
        <benefit type="Retirement fund" />
        <benefit type="Tax free cash" />
        <duration>
          <start_date />
        </duration>
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="1" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="2" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="3" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="4" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="5" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="6" category="Personal Pension">
        <contribution type="Member">
          <increase />
        </contribution>
        <contribution type="Mortgage" />
        <benefit type="Earnings related">
          <duration />
          <earnings_related />
        </benefit>
        <benefit type="Retirement fund" />
        <benefit type="Current fund" />
        <benefit type="Retirement income" />
        <benefit type="Tax free cash" />
        <fund />
        <information_ind type="Employer Contributions" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="1" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="2" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="3" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="4" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="5" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Another pension" />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <policy sequence_number="6" category="Preserved Pension">
        <benefit type="Pension benefit" />
        <benefit type="Current fund" />
        <duration />
        <fund />
        <information_ind type="Transfer Another Arrangement" />
        <information_ind type="Transfer Benefits Current" />
        <notes type="Additional Information" />
      </policy>
      <liability sequence_number="1">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
        <information_ind type="Another liability" />
      </liability>
      <liability sequence_number="2">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
        <information_ind type="Another liability" />
      </liability>
      <liability sequence_number="3">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
        <information_ind type="Another liability" />
      </liability>
      <liability sequence_number="4">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
        <information_ind type="Another liability" />
      </liability>
      <liability sequence_number="5">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
        <information_ind type="Another liability" />
      </liability>
      <liability sequence_number="6">
        <repayment>
          <frequency>Monthly</frequency>
          <duration />
        </repayment>
        <notes type="Additional information" />
      </liability>
      <gift sequence_number="1">
        <Information_ind type="Another gift" />
      </gift>
      <gift sequence_number="2" />
      <gift sequence_number="3" />
      <gift sequence_number="4" />
      <gift sequence_number="5" />
      <gift sequence_number="6" />
      <notes type="Referral" />
      <notes type="Investment asset summary" />
      <notes type="Investment asset source" />
      <notes type="Your Personal Review 1" />
      <notes type="Dependants" />
      <notes type="Family protection summary" />
      <notes type="Family protection existing provision" />
      <notes type="Family Protection Income" />
      <notes type="Family Protection Lumpsum" />
      <notes type="Protection policy summary" />
      <notes type="Additional information" />
      <notes type="Fixed assets" />
      <notes type="Mortgage" />
      <notes type="Liabilities" />
      <notes type="Retirement analysis" />
      <notes type="Long Term Care" />
      <notes type="Key facts" />
      <notes type="Savings" />
      <notes type="Joint Investment analysis" />
      <notes type="Client Investment analysis" />
      <notes type="Partner Investment analysis" />
      <notes type="Long Term Care Calculator" />
      <notes type="Affordability" />
      <notes type="Income expenditure summary" />
      <notes type="General expenditure" />
      <notes type="Mortgage analysis" />
      <notes type="Pensions summary" />
      <notes type="IHT" />
      <notes type="Replacement policy" />
      <notes type="Critical illness analysis" />
      <notes type="Client disability analysis" />
      <notes type="Partner disability analysis" />
      <notes type="Agenda" />
      <notes type="Notes summary" />
      <notes type="Portfolio considerations" />
    </factfind>
    <document type="Introductory Pack">
      <information_ind type="Received" code="" />
      <date type="Received">
        <date />
      </date>
    </document>
    <document type="Cost of service" />
    <document type="Product range">
      <date />
    </document>
    <MI>
      <source_of_enquiry />
      <introducer>
        <company_name />
        <branch />
      </introducer>
      <referral />
      <information_ind type="DPA" code="N">No</information_ind>
      <information_ind type="Observed interview" code="N">No</information_ind>
      <information_ind type="Business checked" code="N">No</information_ind>
      <contact type="Presentation meeting">
        <date />
      </contact>
      <contact type="First meeting">
        <date>
          <date />
        </date>
        <venue />
      </contact>
      <contact type="First contact">
        <date>
          <date />
        </date>
        <method />
      </contact>
      <case_referral_number />
    </MI>
  </case>
</message>

[Dormilich]

you have to add the xml namespace to your xsl.

<?xml version="1.0"?>
<xsl:stylesheet version="1.0" 
    xmlns:xsl="http://www.w3.org/1999/XSL/Transform"
    xmlns:mskichu="somexsd"
    xmlns="somexsd">

note: if this still doesn't work, you have to add the namespace prefix to your XPath expressions.

on the other hand, if you need the namespace for xsd validation, define it as xmlns:xsd (not as default namespace).

regards