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	mads.xsd"><authority><topic authority="https://adm.senado.leg.br/vcb/vocab/">Educação financeira</topic></authority><related type="other"><topic>Finanças pessoais</topic></related><related type="other"><topic>Orçamento familiar</topic></related><related type="other"><topic>Práticas de crédito responsável</topic></related><related type="broader"><topic>Educação</topic></related><variant type="other"><topic>Finanças, ensino</topic></variant><variant type="other"><topic>Orientação financeira</topic></variant></mads>