What you have is a flat file, not an XML file.
Designing a schema involves deciding on the names of fields, their position in a hierarchy, and the datatypes & lengths of the field values.
It looks like in your example that the number of fields depends on the value of the first bit -- "ST" has two fields, "BHT" has five, and "HL" has four, where one is optional.
Chip H.
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