Hi all
Both XMLTOCURSOR and the XMLAdapter.loadxml are erroring out:

XML Parse error: Invalid at the top level of the document.
Line 1, Position 1.

I looked and re-looked and I can't see anything wrong with it.
What is wrong?
TIA

<?xml version="1.0" standalone="yes"?>
<NewDataSet>
  <xs:schema id="NewDataSet" xmlns="" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:msdata="urn:schemas-microsoft-com:xml-msdata">
    <xs:element name="NewDataSet" msdata:IsDataSet="true" msdata:MainDataTable="Master" msdata:UseCurrentLocale="true">
      <xs:complexType>
        <xs:choice minOccurs="0" maxOccurs="unbounded">
          <xs:element name="Master">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="item" type="xs:string" minOccurs="0" />
                <xs:element name="cat" type="xs:string" minOccurs="0" />
                <xs:element name="subcat" type="xs:string" minOccurs="0" />
                <xs:element name="oh" type="xs:decimal" minOccurs="0" />
                <xs:element name="oo" type="xs:decimal" minOccurs="0" />
                <xs:element name="al" type="xs:decimal" minOccurs="0" />
                <xs:element name="custcnt" type="xs:decimal" minOccurs="0" />
                <xs:element name="last12" type="xs:decimal" minOccurs="0" />
                <xs:element name="ty" type="xs:decimal" minOccurs="0" />
                <xs:element name="ly" type="xs:decimal" minOccurs="0" />
                <xs:element name="sugg" type="xs:decimal" minOccurs="0" />
                <xs:element name="buy" type="xs:boolean" minOccurs="0" />
                <xs:element name="trend" type="xs:string" minOccurs="0" />
              </xs:sequence>
            </xs:complexType>
          </xs:element>
        </xs:choice>
      </xs:complexType>
    </xs:element>
  </xs:schema>
  <Master>
    <item>BD51312        </item>
    <cat>JB </cat>
    <subcat>GEM   </subcat>
    <oh>710</oh>
    <oo>288</oo>
    <al>9</al>
    <custcnt>895</custcnt>
    <last12>3009</last12>
    <ty>855</ty>
    <ly>1203</ly>
    <sugg>205</sugg>
    <buy>true</buy>
    <trend>Down</trend>
  </Master>
  <Master>
    <item>BD51315        </item>
    <cat>JB </cat>
    <subcat>GEM   </subcat>
    <oh>570</oh>
    <oo>0</oo>
    <al>3</al>
    <custcnt>465</custcnt>
    <last12>1506</last12>
    <ty>429</ty>
    <ly>573</ly>
    <sugg>3</sugg>
    <buy>true</buy>
    <trend>Down</trend>
  </Master>
  <Master>
    <item>BD51317        </item>
    <cat>JB </cat>
    <subcat>GEM   </subcat>
    <oh>570</oh>
    <oo>288</oo>
    <al>12</al>
    <custcnt>713</custcnt>
    <last12>2373</last12>
    <ty>663</ty>
    <ly>1020</ly>
    <sugg>162</sugg>
    <buy>true</buy>
    <trend>Down</trend>
  </Master>
  <Master>
    <item>BD51322        </item>
    <cat>JB </cat>
    <subcat>GEM   </subcat>
    <oh>1218</oh>
    <oo>864</oo>
    <al>9</al>
    <custcnt>1408</custcnt>
    <last12>5154</last12>
    <ty>1479</ty>
    <ly>2127</ly>
    <sugg>45</sugg>
    <buy>true</buy>
    <trend>Down</trend>
  </Master>
</NewDataSet>