Explanation of Example Schema
<?xml version="1.0" encoding="ISO-8859-1" ?>
ISO-8859-1, Latin-1, is the same as UTF-8 in the first 128 characters.
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema">
www.w3.org/2001/XMLSchema contains the schema standards.
<xs:element name="address">
   <xs:complexType>
This states that address is a complex type element.
     <xs:sequence>
This states that the following elements form a sequence and must
come in the order shown.
<xs:element name="name" type="xs:string"/>
This says that the element, name, must be a string.
<xs:element name="birthday" type="xs:date"/>
This states that the element, birthday, is a date.  Dates are always of
the form yyyy-mm-dd.