<?xml version="1.0"?>
<deadbeats>
    <row>
        <name>Dick Dastardly</name>
        <creditrating>0</creditrating>
    </row>
    <row>
        <name>Peter Doubt</name>
        <creditrating>0</creditrating>
    </row>
    <row>
        <name>Robert Smith</name>
        <creditrating>0</creditrating>
    </row>    
</deadbeats>