<xs:schema elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:include schemaLocation="types.xsd"/>
  <xs:include schemaLocation="errors.xsd"/>
  <xs:element name="reply">
    <xs:complexType>
      <xs:choice>
        <xs:sequence>
          <xs:element name="owner">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="target" minOccurs="0" maxOccurs="unbounded">
                  <xs:complexType>
                    <xs:all>
                      <xs:element name="owners" minOccurs="0">
                        <xs:complexType>
                          <xs:sequence>
                            <xs:element name="owner" maxOccurs="unbounded" minOccurs="0" type="owner"/>
                          </xs:sequence>
                        </xs:complexType>
                      </xs:element>
                      <xs:element name="accounts" minOccurs="0">
                        <xs:complexType>
                          <xs:sequence>
                            <xs:element name="account" maxOccurs="unbounded" minOccurs="0" type="account"/>
                          </xs:sequence>
                        </xs:complexType>
                      </xs:element>
                      <xs:element name="creditCards" minOccurs="0">
                        <xs:complexType>
                          <xs:sequence>
                            <xs:element name="creditCard" maxOccurs="unbounded" minOccurs="0" type="creditCard"/>
                          </xs:sequence>
                        </xs:complexType>
                      </xs:element>
                    </xs:all>
                    <xs:attribute type="xs:string" name="name" use="required"/>
                    <xs:attribute type="xs:string" name="officialName" use="required"/>
                    <xs:attribute type="xs:string" name="institution" use="required"/>
                  </xs:complexType>
                </xs:element>
              </xs:sequence>
              <xs:attribute type="xs:string" name="externalId" use="required"/>
              <xs:attribute type="dateTimeWithTimeZone" name="createdAt" use="required"/>
              <xs:attribute type="dateTimeWithTimeZone" name="updatedAt" use="required"/>
              <xs:attribute type="xs:boolean" name="inProgress"/>
              <xs:attribute type="dateTimeWithTimeZone" name="lastChange"/>
              <xs:attribute name="origin" use="required">
                <xs:simpleType>
                  <xs:restriction base="xs:string">
                    <xs:enumeration value="scraper"/>
                    <xs:enumeration value="statement"/>
                    <xs:enumeration value="upload"/>
                  </xs:restriction>
                </xs:simpleType>
              </xs:attribute>
            </xs:complexType>
          </xs:element>
        </xs:sequence>
        <xs:group ref="allErrors"/>
      </xs:choice>
      <xs:attribute name="status" use="required">
        <xs:simpleType>
          <xs:union memberTypes="allErrorsUnion status200"/>
        </xs:simpleType>
      </xs:attribute>
      <xs:attribute name="user" type="xs:string"/>
      <xs:attribute name="ownerExternalId" type="xs:string"/>
      <xs:attribute name="responseTimestamp" type="xs:string"/>
    </xs:complexType>
  </xs:element>
</xs:schema>