function get_sepa_direct_debit
    ( p_ReqdColltnDt date default sysdate
    )
    return xmltype
  is
    l_doc          xmltype;
    l_xmlns        varchar2(100) := 'urn:iso:std:iso:20022:tech:xsd:pain.008.001.02';
    l_xmlns_xsi    varchar2(100) := 'http://www.w3.org/2001/XMLSchema-instance';
  begin
    l_doc := get_CdtmrDrctDbtInitn( p_ReqdColltnDt );
    select xmlroot( xmlelement( "Document"
                                             , xmlattributes( l_xmlns     as "xmlns"
                                                            , l_xmlns_xsi as "xmlns:xsi"
                                                            )
                                             , l_doc
                                             )
                                , version '1.0" encoding="UTF-8'
                                )
    into l_doc
    from dual;

    return l_doc;
  end get_sepa_direct_debit;