how do u create an xml document

hi friends
im having problem creating an xml document
im able to create a dtd in a text editor and import it to my schema tool
my problem is how to create an xml document
coz when i saw the code for real estate example it shows all collection ino and things like that
can anyone suggest how do we go about to create an xml document and use that document for the schema part

thanking you

Go to you will find what you need to know