<?xml version="1.0" encoding="utf-8" ?>
<!DOCTYPE transfers  [
   <!-- Here is an internal entity that encodes a bunch of 
        markup that we'd otherwise use in a document " -->
   <!ENTITY messageHeader 
     "<header>
        <routeID> info generic to message route </routeID>
        <encoding>how message is encoded </encoding>
      </header>"   
   >
]>
<transfers>
   &messageHeader;
   <fundsTransfer date="20010923T12:34:34Z">
   <!-- comment goes here -->
     <from type="intrabank">
        <amount currency="USD"> 1332.32 </amount>
        <transitID> 3211 </transitID>
        <accountID> 4321332 </accountID>
        <acknowledgeReceipt> yes </acknowledgeReceipt>
     </from>
     <to account="132212412321" />
   </fundsTransfer>
   <fundsTransfer date="20010923T12:35:12Z">
     <from type="internal">
        <amount currency="CDN" >1432.12 </amount>
        <accountID> 543211 </accountID>
        <acknowledgeReceipt> yes </acknowledgeReceipt>
     </from>
     <to account="65123222" />
   </fundsTransfer>
</transfers>
