Xerces 1.2 problem

[Alexander Vakaluk <av...@linkcomsoft.com>]

I'm working with Xerces 1.2 for Java. What I'm trying to do is to validate
XML file against schema definitions. I have defined Schema and XML files in
XML-Spy editor and it conforms files validity, but when I start parsing
using Xerces 1.2 I have error method called with following errors:

Element type "Policy" must be declared.
Element type "PolicyID" must be declared.
Element type "PolicyDescr" must be declared.
Element type "PolicyType" must be declared.
The content of element type "Rows" must match "(Policy,Policy?)".

I have tried both versions 1.2.0 and 1.2.1 but the result is the same.
Following are my Schema, XML and Handler files. May be anybody can tell me
what is wrong with my XML or Java files ?

Thank's in advance,
Alex