Re: Unable to remove empty nodes from Message

Here is my XSD:

<?xml version="1.0" encoding="utf-8"?>

<xs:schema xmlns:tns="http://pac.bluecross.ca/Common/Types" xmlns:ser="http://schemas.microsoft.com/2003/10/Serialization/" elementFormDefault="qualified" targetNamespace="http://pac.bluecross.ca/Common/Types" xmlns:xs="http://www.w3.org/2001/XMLSchema">

  <xs:complexType name="BusinessObject">

    <xs:sequence>

    </xs:sequence>

  </xs:complexType>

  <xs:element name="BusinessObject" nillable="true" type="tns:BusinessObject" />

  <xs:simpleType name="CancelReasonCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="LaidOff">

      </xs:enumeration>

      <xs:enumeration value="Retired">

      </xs:enumeration>

      <xs:enumeration value="Divorced">

      </xs:enumeration>

      <xs:enumeration value="Separated">

      </xs:enumeration>

      <xs:enumeration value="NoLongerEligibleForCoverage">

      </xs:enumeration>

      <xs:enumeration value="MaternityLeave">

      </xs:enumeration>

      <xs:enumeration value="LeaveOfAbsense">

      </xs:enumeration>

      <xs:enumeration value="OnDisability">

      </xs:enumeration>

      <xs:enumeration value="PensionExpired">

      </xs:enumeration>

      <xs:enumeration value="StrikeOrLockout">

      </xs:enumeration>

      <xs:enumeration value="TransferredToAnotherCarrier">

      </xs:enumeration>

      <xs:enumeration value="WaivedBenefitsNoReason">

      </xs:enumeration>

      <xs:enumeration value="WaivedBenefitsSpousalCoverage">

      </xs:enumeration>

      <xs:enumeration value="LeftCompany">

      </xs:enumeration>

      <xs:enumeration value="DisContinuedCoverage">

      </xs:enumeration>

      <xs:enumeration value="NoProvincialMedicalPlan">

      </xs:enumeration>

      <xs:enumeration value="Transferred">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="CancelReasonCodes" nillable="true" type="tns:CancelReasonCodes" />

  <xs:simpleType name="CorrespondenceMethodCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Mail">

      </xs:enumeration>

      <xs:enumeration value="Telephone">

      </xs:enumeration>

      <xs:enumeration value="Email">

      </xs:enumeration>

      <xs:enumeration value="FTP">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="CorrespondenceMethodCodes" nillable="true" type="tns:CorrespondenceMethodCodes" />

  <xs:simpleType name="CorrespondenceTypeCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Home">

      </xs:enumeration>

      <xs:enumeration value="Office">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="CorrespondenceTypeCodes" nillable="true" type="tns:CorrespondenceTypeCodes" />

  <xs:simpleType name="CoveredLifeStatusCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Inforce">

      </xs:enumeration>

      <xs:enumeration value="Terminated">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="CoveredLifeStatusCodes" nillable="true" type="tns:CoveredLifeStatusCodes" />

  <xs:simpleType name="DependentCategoryCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Child">

      </xs:enumeration>

      <xs:enumeration value="Spouse">

      </xs:enumeration>

      <xs:enumeration value="Insured">

      </xs:enumeration>

      <xs:enumeration value="Dependent">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="DependentCategoryCodes" nillable="true" type="tns:DependentCategoryCodes" />

  <xs:simpleType name="DependentSubCategoryCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Student">

      </xs:enumeration>

      <xs:enumeration value="Minor">

      </xs:enumeration>

      <xs:enumeration value="CommonLaw">

      </xs:enumeration>

      <xs:enumeration value="Married">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="DependentSubCategoryCodes" nillable="true" type="tns:DependentSubCategoryCodes" />

  <xs:simpleType name="EmploymentTypeCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Director">

      </xs:enumeration>

      <xs:enumeration value="FullTimeSalary">

      </xs:enumeration>

      <xs:enumeration value="FullTimeHourly">

      </xs:enumeration>

      <xs:enumeration value="PartTimeSalary">

      </xs:enumeration>

      <xs:enumeration value="PartTimeHourly">

      </xs:enumeration>

      <xs:enumeration value="OwnerOperator">

      </xs:enumeration>

      <xs:enumeration value="Retired">

      </xs:enumeration>

      <xs:enumeration value="Seasonal">

      </xs:enumeration>

      <xs:enumeration value="Casual">

      </xs:enumeration>

      <xs:enumeration value="Client">

      </xs:enumeration>

      <xs:enumeration value="Consultant">

      </xs:enumeration>

      <xs:enumeration value="Contract">

      </xs:enumeration>

      <xs:enumeration value="ElectedOfficial">

      </xs:enumeration>

      <xs:enumeration value="JobShare">

      </xs:enumeration>

      <xs:enumeration value="Temporary">

      </xs:enumeration>

      <xs:enumeration value="Volunteer">

      </xs:enumeration>

      <xs:enumeration value="MSDRecipientnotEE">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="EmploymentTypeCodes" nillable="true" type="tns:EmploymentTypeCodes" />

  <xs:simpleType name="FamilyCategoryCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Single">

      </xs:enumeration>

      <xs:enumeration value="Family">

      </xs:enumeration>

      <xs:enumeration value="Couple">

      </xs:enumeration>

      <xs:enumeration value="NotApplicable">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="FamilyCategoryCodes" nillable="true" type="tns:FamilyCategoryCodes" />

  <xs:simpleType name="FrequencyCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Annual">

      </xs:enumeration>

      <xs:enumeration value="BiMonthly">

      </xs:enumeration>

      <xs:enumeration value="BiWeekly">

      </xs:enumeration>

      <xs:enumeration value="Hourly">

      </xs:enumeration>

      <xs:enumeration value="Monthly">

      </xs:enumeration>

      <xs:enumeration value="Quarterly">

      </xs:enumeration>

      <xs:enumeration value="SemiAnnually">

      </xs:enumeration>

      <xs:enumeration value="SemiMonthly">

      </xs:enumeration>

      <xs:enumeration value="Weekly">

      </xs:enumeration>

      <xs:enumeration value="LifeTime">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="FrequencyCodes" nillable="true" type="tns:FrequencyCodes" />

  <xs:simpleType name="IncomeTypeCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Salary">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="IncomeTypeCodes" nillable="true" type="tns:IncomeTypeCodes" />

  <xs:simpleType name="LanguageCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="ENG">

      </xs:enumeration>

      <xs:enumeration value="FRA">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="LanguageCodes" nillable="true" type="tns:LanguageCodes" />

  <xs:simpleType name="LineOfBusinessCategoryCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Health">

      </xs:enumeration>

      <xs:enumeration value="Dental">

      </xs:enumeration>

      <xs:enumeration value="Life">

      </xs:enumeration>

      <xs:enumeration value="AccidentalDeathAndDismemberment">

      </xs:enumeration>

      <xs:enumeration value="Disability">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="LineOfBusinessCategoryCodes" nillable="true" type="tns:LineOfBusinessCategoryCodes" />

  <xs:simpleType name="ProvinceCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="AB">

      </xs:enumeration>

      <xs:enumeration value="BC">

      </xs:enumeration>

      <xs:enumeration value="MB">

      </xs:enumeration>

      <xs:enumeration value="NB">

      </xs:enumeration>

      <xs:enumeration value="NL">

      </xs:enumeration>

      <xs:enumeration value="NT">

      </xs:enumeration>

      <xs:enumeration value="NS">

      </xs:enumeration>

      <xs:enumeration value="ON">

      </xs:enumeration>

      <xs:enumeration value="PE">

      </xs:enumeration>

      <xs:enumeration value="QC">

      </xs:enumeration>

      <xs:enumeration value="SK">

      </xs:enumeration>

      <xs:enumeration value="YT">

      </xs:enumeration>

      <xs:enumeration value="NU">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="ProvinceCodes" nillable="true" type="tns:ProvinceCodes" />

  <xs:simpleType name="ReapplicationReasonCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Exception">

      </xs:enumeration>

      <xs:enumeration value="Invalid">

      </xs:enumeration>

      <xs:enumeration value="Valid">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="ReapplicationReasonCodes" nillable="true" type="tns:ReapplicationReasonCodes" />

  <xs:simpleType name="SexCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="Male">

      </xs:enumeration>

      <xs:enumeration value="Female">

      </xs:enumeration>

      <xs:enumeration value="NotApplicable">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="SexCodes" nillable="true" type="tns:SexCodes" />

  <xs:simpleType name="StateCodes">

    <xs:restriction base="xs:string">

      <xs:enumeration value="AL">

      </xs:enumeration>

      <xs:enumeration value="AK">

      </xs:enumeration>

      <xs:enumeration value="AZ">

      </xs:enumeration>

      <xs:enumeration value="AR">

      </xs:enumeration>

      <xs:enumeration value="CA">

      </xs:enumeration>

      <xs:enumeration value="Colorado">

      </xs:enumeration>

      <xs:enumeration value="CT">

      </xs:enumeration>

      <xs:enumeration value="DE">

      </xs:enumeration>

      <xs:enumeration value="DC">

      </xs:enumeration>

      <xs:enumeration value="FL">

      </xs:enumeration>

      <xs:enumeration value="GA">

      </xs:enumeration>

      <xs:enumeration value="HI">

      </xs:enumeration>

      <xs:enumeration value="ID">

      </xs:enumeration>

      <xs:enumeration value="IL">

      </xs:enumeration>

      <xs:enumeration value="IN">

      </xs:enumeration>

      <xs:enumeration value="IA">

      </xs:enumeration>

      <xs:enumeration value="KS">

      </xs:enumeration>

      <xs:enumeration value="KY">

      </xs:enumeration>

      <xs:enumeration value="LA">

      </xs:enumeration>

      <xs:enumeration value="ME">

      </xs:enumeration>

      <xs:enumeration value="MD">

      </xs:enumeration>

      <xs:enumeration value="MA">

      </xs:enumeration>

      <xs:enumeration value="MI">

      </xs:enumeration>

      <xs:enumeration value="MN">

      </xs:enumeration>

      <xs:enumeration value="MS">

      </xs:enumeration>

      <xs:enumeration value="MO">

      </xs:enumeration>

      <xs:enumeration value="MT">

      </xs:enumeration>

      <xs:enumeration value="NE">

      </xs:enumeration>

      <xs:enumeration value="NV">

      </xs:enumeration>

      <xs:enumeration value="NH">

      </xs:enumeration>

      <xs:enumeration value="NJ">

      </xs:enumeration>

      <xs:enumeration value="NM">

      </xs:enumeration>

      <xs:enumeration value="NY">

      </xs:enumeration>

      <xs:enumeration value="NC">

      </xs:enumeration>

      <xs:enumeration value="ND">

      </xs:enumeration>

      <xs:enumeration value="OH">

      </xs:enumeration>

      <xs:enumeration value="OK">

      </xs:enumeration>

      <xs:enumeration value="OR">

      </xs:enumeration>

      <xs:enumeration value="PA">

      </xs:enumeration>

      <xs:enumeration value="RI">

      </xs:enumeration>

      <xs:enumeration value="SC">

      </xs:enumeration>

      <xs:enumeration value="SD">

      </xs:enumeration>

      <xs:enumeration value="TN">

      </xs:enumeration>

      <xs:enumeration value="TX">

      </xs:enumeration>

      <xs:enumeration value="UT">

      </xs:enumeration>

      <xs:enumeration value="VT">

      </xs:enumeration>

      <xs:enumeration value="VA">

      </xs:enumeration>

      <xs:enumeration value="WA">

      </xs:enumeration>

      <xs:enumeration value="WV">

      </xs:enumeration>

      <xs:enumeration value="WI">

      </xs:enumeration>

      <xs:enumeration value="WY">

      </xs:enumeration>

    </xs:restriction>

  </xs:simpleType>

  <xs:element name="StateCodes" nillable="true" type="tns:StateCodes" />

  <xs:complexType name="Address">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="City" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Country" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Line1" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Line2" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Line3" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Line4" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Address" nillable="true" type="tns:Address" />

  <xs:complexType name="InternationalAddress">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Address">

        <xs:sequence>

          <xs:element minOccurs="0" name="Region" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="PostalCode" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="InternationalAddress" nillable="true" type="tns:InternationalAddress" />

  <xs:complexType name="CanadianAddress">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Address">

        <xs:sequence>

          <xs:element minOccurs="0" name="PostalCode" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Province" nillable="true" type="tns:ProvinceCodes" />

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="CanadianAddress" nillable="true" type="tns:CanadianAddress" />

  <xs:complexType name="AmericanAddress">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Address">

        <xs:sequence>

          <xs:element minOccurs="0" name="State" nillable="true" type="tns:StateCodes">

          </xs:element>

          <xs:element minOccurs="0" name="ZipCode" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="AmericanAddress" nillable="true" type="tns:AmericanAddress" />

  <xs:complexType name="Person">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Client">

        <xs:sequence>

          <xs:element minOccurs="0" name="DateOfBirth" nillable="true" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="FirstName" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="LastName" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="MaidenName" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="MiddleName" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="PreferredName" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="***" type="tns:SexCodes">

          </xs:element>

          <xs:element minOccurs="0" name="Suffix" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Person" nillable="true" type="tns:Person" />

  <xs:complexType name="Client">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Contacts" nillable="true" type="tns:ArrayOfContactInformation">

          </xs:element>

          <xs:element minOccurs="0" name="DefaultAddress" nillable="true" type="tns:Address">

          </xs:element>

          <xs:element minOccurs="0" name="DefaultEmail" nillable="true" type="tns:ContactInformation">

          </xs:element>

          <xs:element minOccurs="0" name="DefaultPhone" nillable="true" type="tns:ContactInformation">

          </xs:element>

          <xs:element minOccurs="0" name="PreferredContact" nillable="true" type="tns:CorrespondenceMethodCodes">

          </xs:element>

          <xs:element minOccurs="0" name="PreferredLanguage" nillable="true" type="tns:LanguageCodes">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Client" nillable="true" type="tns:Client" />

  <xs:complexType name="Division">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Structurable">

        <xs:sequence>

          <xs:element minOccurs="0" name="Code" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="SubDivisions" nillable="true" type="tns:ArrayOfDivision">

          </xs:element>

          <xs:element minOccurs="0" name="EffectiveDate" nillable="true" type="xs:dateTime">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Division" nillable="true" type="tns:Division" />

  <xs:complexType name="Structurable">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Structurable" nillable="true" type="tns:Structurable" />

  <xs:complexType name="CoveredLife">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="ApplicationDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="CancelReason" nillable="true" type="tns:CancelReasonCodes">

          </xs:element>

          <xs:element minOccurs="0" name="CoverageDeclines" nillable="true" type="tns:ArrayOfBenefitDecline">

          </xs:element>

          <xs:element minOccurs="0" name="CoveredLifeHolder" nillable="true" type="tns:Person">

          </xs:element>

          <xs:element minOccurs="0" name="DependentCategory" nillable="true" type="tns:DependentCategoryCodes">

          </xs:element>

          <xs:element minOccurs="0" name="DependentSubCategory" nillable="true" type="tns:DependentSubCategoryCodes">

          </xs:element>

          <xs:element minOccurs="0" name="EffectiveDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="Number" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="QualificationDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="Status" nillable="true" type="tns:CoveredLifeStatusCodes">

          </xs:element>

          <xs:element minOccurs="0" name="TerminationDate" type="xs:dateTime">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="CoveredLife" nillable="true" type="tns:CoveredLife" />

  <xs:complexType name="Certificate">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Class" nillable="true" type="tns:Class">

          </xs:element>

          <xs:element minOccurs="0" name="CurrentEmploymentRecord" nillable="true" type="tns:EmploymentRecord">

          </xs:element>

          <xs:element minOccurs="0" name="CurrentIncome" nillable="true" type="tns:Income">

          </xs:element>

          <xs:element minOccurs="0" name="Dependents" nillable="true" type="tns:ArrayOfCoveredLife">

          </xs:element>

          <xs:element minOccurs="0" name="Division" nillable="true" type="tns:Division">

          </xs:element>

          <xs:element minOccurs="0" name="FamilyCategory" nillable="true" type="tns:FamilyCategoryCodes">

          </xs:element>

          <xs:element minOccurs="0" name="HealthCareSpendingAccountInformation" nillable="true" type="tns:HealthCareSpendingAccountInformation">

          </xs:element>

          <xs:element minOccurs="0" name="HireDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="InsuredCoveredLife" nillable="true" type="tns:CoveredLife">

          </xs:element>

          <xs:element minOccurs="0" name="JobTitle" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Number" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="PayrollNumber" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Plan" nillable="true" type="tns:Plan">

          </xs:element>

          <xs:element minOccurs="0" name="RegionalAdministration" nillable="true" type="tns:RegionalAdministrativeInformation">

          </xs:element>

          <xs:element minOccurs="0" name="Section" nillable="true" type="tns:Section">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Certificate" nillable="true" type="tns:Certificate" />

  <xs:complexType name="Policy">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Structurable">

        <xs:sequence>

          <xs:element minOccurs="0" name="Code" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="Certificates" nillable="true" type="tns:ArrayOfCertificate">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Policy" nillable="true" type="tns:Policy" />

  <xs:complexType name="Class">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Structurable">

        <xs:sequence>

          <xs:element minOccurs="0" name="Code" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="EffectiveDate" type="xs:dateTime">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Class" nillable="true" type="tns:Class" />

  <xs:complexType name="Plan">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:Structurable">

        <xs:sequence>

          <xs:element minOccurs="0" name="Code" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="EffectiveDate" type="xs:dateTime" />

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Plan" nillable="true" type="tns:Plan" />

  <xs:complexType name="ArrayOfPolicy">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="Policy" nillable="true" type="tns:Policy" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfPolicy" nillable="true" type="tns:ArrayOfPolicy" />

  <xs:complexType name="BenefitDecline">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="ChangeEffectiveDate" nillable="true" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="DeclineReason" nillable="true" type="tns:CancelReasonCodes">

          </xs:element>

          <xs:element minOccurs="0" name="Declined" nillable="true" type="xs:boolean">

          </xs:element>

          <xs:element minOccurs="0" name="LineOfBusinessCategory" nillable="true" type="tns:LineOfBusinessCategoryCodes">

          </xs:element>

          <xs:element minOccurs="0" name="ReapplicationReason" nillable="true" type="tns:ReapplicationReasonCodes">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="BenefitDecline" nillable="true" type="tns:BenefitDecline" />

  <xs:complexType name="ContactInformation">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="CorrespondenceMethod" nillable="true" type="tns:CorrespondenceMethodCodes">

          </xs:element>

          <xs:element minOccurs="0" name="CorrespondenceNote" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="CorrespondenceType" nillable="true" type="tns:CorrespondenceTypeCodes">

          </xs:element>

          <xs:element minOccurs="0" name="Data" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="ContactInformation" nillable="true" type="tns:ContactInformation" />

  <xs:complexType name="EmploymentRecord">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="EffectiveDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="Frequency" nillable="true" type="tns:FrequencyCodes">

          </xs:element>

          <xs:element minOccurs="0" name="HoursWorked" type="xs:decimal">

          </xs:element>

          <xs:element minOccurs="0" name="SalaryAmount" nillable="true" type="xs:decimal">

          </xs:element>

          <xs:element minOccurs="0" name="Type" nillable="true" type="tns:EmploymentTypeCodes">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="EmploymentRecord" nillable="true" type="tns:EmploymentRecord" />

  <xs:complexType name="Enrollment">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Policies" nillable="true" type="tns:ArrayOfPolicy">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Enrollment" nillable="true" type="tns:Enrollment" />

  <xs:complexType name="HealthCareSpendingAccountInformation">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="AllocationAmount" type="xs:decimal">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="HealthCareSpendingAccountInformation" nillable="true" type="tns:HealthCareSpendingAccountInformation" />

  <xs:complexType name="Income">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Amount" type="xs:decimal">

          </xs:element>

          <xs:element minOccurs="0" name="EffectiveDate" type="xs:dateTime">

          </xs:element>

          <xs:element minOccurs="0" name="Frequency" nillable="true" type="tns:FrequencyCodes">

          </xs:element>

          <xs:element minOccurs="0" name="Type" nillable="true" type="tns:IncomeTypeCodes">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Income" nillable="true" type="tns:Income" />

  <xs:complexType name="RegionalAdministrativeInformation">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Country" nillable="true" type="xs:string">

          </xs:element>

          <xs:element minOccurs="0" name="ProvinceOfBilling" nillable="true" type="tns:ProvinceCodes">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="RegionalAdministrativeInformation" nillable="true" type="tns:RegionalAdministrativeInformation" />

  <xs:complexType name="Section">

    <xs:complexContent mixed="false">

      <xs:extension base="tns:BusinessObject">

        <xs:sequence>

          <xs:element minOccurs="0" name="Code" nillable="true" type="xs:string">

          </xs:element>

        </xs:sequence>

      </xs:extension>

    </xs:complexContent>

  </xs:complexType>

  <xs:element name="Section" nillable="true" type="tns:Section" />

  <xs:complexType name="ArrayOfContactInformation">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="ContactInformation" nillable="true" type="tns:ContactInformation" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfContactInformation" nillable="true" type="tns:ArrayOfContactInformation" />

  <xs:complexType name="ArrayOfDivision">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="Division" nillable="true" type="tns:Division" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfDivision" nillable="true" type="tns:ArrayOfDivision" />

  <xs:complexType name="ArrayOfCertificate">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="Certificate" nillable="true" type="tns:Certificate" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfCertificate" nillable="true" type="tns:ArrayOfCertificate" />

  <xs:complexType name="ArrayOfCoveredLife">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="CoveredLife" nillable="true" type="tns:CoveredLife" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfCoveredLife" nillable="true" type="tns:ArrayOfCoveredLife" />

  <xs:complexType name="ArrayOfBenefitDecline">

    <xs:sequence>

      <xs:element minOccurs="0" maxOccurs="unbounded" name="BenefitDecline" nillable="true" type="tns:BenefitDecline" />

    </xs:sequence>

  </xs:complexType>

  <xs:element name="ArrayOfBenefitDecline" nillable="true" type="tns:ArrayOfBenefitDecline" />

</xs:schema><!-- BusinessObjects Version 3.2.471 -->