I'm trying to use XMLAdapter and got the following error (using the XMLife2.9.02.xsd file from Acord):

msxml4.dll:
file:...XMLife2.9.02.xsd#schema[1]/complexType[position() = 10 and @name = 'OCI_LU_AGECALCMETH']/simpleContent[1]/extension[1]/attribute[position() = 1 and @name = 'tc']/simpleType[1]/restriction[1]
Undeclared xds type:
'{http://ACORD.org/Standards/Life/2}ACORD_TYPE_CODE'.

Is this similar to the problem you encountered with XMLAdapter? Do you have a way to get around this and create a VFP cursor with the file?

Thanks,
Doug