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XML stands for extensible markup language theres the M theres the L or is the X its right there the second letter in extensible and its a shareable file between different programs for example if you have Excel and somebody else has a different database program and you want to be able to share your data between the two chances are if you do it directly and they might have a fit because of the different formatting between the two programs so you can export the data from Excel or the other program into an XML file that will strip it down to the raw data where it doesnt contain any formatting where it uses tags where a set of rules which is a separate file known as schemas and they have a dot x SD extension and is a set of rules that tells what kind of data or fields are and can be used in an XML file so the XML file contains raw data like a clients first name last name phone number and so forth and the second file the schemas is a set of rules that tells what kind of fields are ava