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Rule 4 in section 4.3.2 (http://www.w3.org/TR/xmlschema-1/#schema-loc) wrt late-arriving schema-location information is awkward at best. The approach taken in 1.1, summarised in bullet 4 of G.1.15 (http://www.w3.org/TR/xmlschema11-1/#ch_schemacomp) is much cleaner, and should be adopted for 1.0 as well.