<?xml version="1.0" encoding="UTF-8"?>
<userinfo>
  <title>User Info</title>
  <user ID="1">
      <address>Odessa</address>
      <tel> 8 - 3232 - 121212 </tel>
      <tel> 8 - 3232 - 121212 </tel>
      <FIO>UserOdessa</tel>
      <email>j@j.ru<;/email>
   </user>

  <credits>
    <usertype id ="1">
       <credit id="1" Text="AutoCredit">
           <name>AutoCredit</name>
           <active>yes</active>
       </credit>
       <credit id="2" Text="BusinessCredit">
            <name>BusinessCredit</name>
            <active>no</active>
       </credit>
      </usertype>  
   </credits>
 
</userinfo>