code: def _load_referenced_schemes_from_list(the_list, val, a_scheme, a_property):
      
      scheme = copy.copy(a_scheme)
      new_list = []
      if isinstance(the_list, list):
          for an_item in the_list:
              if ((not isinstance(an_item, basestring)) and
                      (u'$ref' in an_item.keys())):
                  sub_scheme_name = generate_schema_name_from_uri(an_item['$ref'])
                  content = load_schema(sub_scheme_name)
                  new_list.append(content)
      else:
          # somewhere the array is not an array - payment_reminder
          sub_scheme_name = generate_schema_name_from_uri(the_list['$ref'])
          new_list = load_schema(sub_scheme_name)
      scheme['properties'][a_property]['items'] = new_list
      return scheme
docs: takes the referenced files and loads them
      returns the updated schema
      :param the_list:
      :param val:
      :param a_scheme:
      :param a_property:
      :return: