Ilmar,
>Is there some way of tweeking the xmladapter, the schema file, or the xmldocument iteself so that it will load?
Yes, you can use VFP9's XMLName and XMLNameIsXPath properties on XMLTable and XMLField objects to adjust how XMLAdapter interprets the hierarchical structures in many cases. You might want to search the UT archives for "XMLNameIsXpath" to find many examples that have been posted here. If that doesn't turn on the lights, post your XML Doc and Schema here for help.