<customer id="123456789">
<account id="987632567" short-desc="Savings">
<customer id="123456789"/>
<balance>100.29</balance>
</account>
<account id="985612323" short-desc="Credit Card">
<customer id="123456789"/>
<balance>-2370.34</balance>
</account>
<name>
<first-name>Gavin</first-name>
<initial>A</initial>
<last-name>King</last-name>
</name>
...
</customer>