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Extensible Markup Language is a set of rules for encoding documents electronically. When Financial Advisers request policy valuations through web sites, the Insurance Companies (Product Providers) provide them with online valuations for their client policy/policies in XML format.

XML Schema
XML Schemas are provided for all Origo XML messages. XML Schemas may be used for XML message validation and define amongst other things, element and attribute names, enumerated lists, data format and the order of element groups and elements that make up the XML message.
eXtensible Stylesheet Language Transformation. Used to describe how to change the structure of an XML document into an XML document with a different structure.