<?xml version="1.0" encoding="US-ASCII"?>  
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<!-- Created: Tue Mar 03 20:45:26 UTC 2026 -->  
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  <xs:import namespace="http://xbrl.sec.gov/oef/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-2025.xsd"/> 
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  <xs:import namespace="http://xbrl.sec.gov/fnd-oef/2025" schemaLocation="https://xbrl.sec.gov/fnd/2025/fnd-oef-2025.xsd"/>    
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/> 
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>    
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>     
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