<xsd:group name="BusinessCentersOrReference.model">
    <xsd:choice>
        <xsd:element name="businessCentersReference" type="BusinessCentersReference">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">A pointer style reference to a set of financial business centers defined elsewhere in the document. This set of business centers is used to determine whether a particular day is a business day or not.</xsd:documentation>
            </xsd:annotation>
        </xsd:element>
        <xsd:element name="businessCenters" type="BusinessCenters" />
    </xsd:choice>
</xsd:group>