<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema">

    <xs:include schemaLocation="types.xsd"/>

    <xs:element name="userRefs">
        <xs:complexType>
            <xs:sequence id="users">
                <xs:element name="user" type="userType" maxOccurs="unbounded" minOccurs="0"/>
            </xs:sequence>
        </xs:complexType>
    </xs:element>
</xs:schema>