I can't help but notice your XSD is invalid, based on visual inspection. Here's it corrected:
What gets me about XSD's is there doesn't seem to be a tool to validate that the grammar and syntax of the XSD itself, is correct. How can a "standard" that is so heavily promoted have such a lack of absolutely basic tools? I appreciate the article, I make errors myself, but I think this demonstrates a very severe problem with XML and XSD - it might be a standard that is demanded, but NOBODY actually seems to care about it to the point that even TRIVIAL tools for verification are hard to find for it.
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minoccurs: This attribute will specify how many elements at a Minimum will be allowed. The default is '0", which means it is an optional element.
Not sure if you are referring in this to your example, where you have set a value of 0, but i believe the actual default for minOccurs is 1, (http://www.w3schools.com/Xml/schema_example.asp) so by saying the default is 0 in the definition of minOccurs is potential misleading or wrong.