<consumer.account> 
  <people account.holder='holder'> 
    <person.ref href='person.1.xml' id='holder'/> 
  </people> 
  <policies> 
    <policy.folder.ref type='auto' href='policy1/auto.policy.xml'/>
  </policies>
  <auto.line.of.business href='lob.auto.xml'/>
</consumer.account>