<?xml version="1.0" encoding="utf-8"?>
	<vdex xmlns="http://www.imsglobal.org/xsd/imsvdex_v1p0"  orderSignificant="false" language="pt-BR">
	<vocabIdentifier>https://adm.senado.leg.br/vcb/vocab/</vocabIdentifier><term><termIdentifier>https://adm.senado.leg.br/vcb/vocab/skos/29816</termIdentifier><caption>Superendividamento (direito do consumidor)</caption></term>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/11626">Direito do consumidor</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">BT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/7264">Proteção e defesa do consumidor</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">RT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/6618">Consumidor</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">RT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/6261">Crédito</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">RT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/2282">Dívida</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">RT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/29827">Práticas de crédito responsável</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">RT</relationshipType>  </relationship>  <relationship>      <sourceTerm>https://adm.senado.leg.br/vcb/vocab/skos/29816</sourceTerm>      <targetTerm vocabIdentifier="https://adm.senado.leg.br/vcb/vocab/skos/29817">Endividamento excessivo</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">UF</relationshipType>  </relationship></vdex>