&lt;!DOCTYPE para PUBLIC "-//OASIS//DTD DocBook XML V4.1.2//EN"
          "http://www.oasis-open.org/docbook/xml/4.1.2/docbookx.dtd"&gt;
&lt;para&gt;
An annual percentage rate (&lt;abbrev&gt;APR&lt;/abbrev&gt;) of 13.9%&lt;footnote&gt;
&lt;para&gt;
The prime rate, as published in the &lt;citetitle&gt;Wall Street
Journal&lt;/citetitle&gt; on the first business day of the month,
plus 7.0%.
&lt;/para&gt;
&lt;/footnote&gt;
will be charged on all balances carried forward.
&lt;/para&gt;