code: func (factory *fsLoaderFactory) refContents(ref gojsonreference.JsonReference) ([]byte, error) {
  	refStr := ref.String()
  	path := ""
  	for _, ns := range factory.namespaces {
  		if strings.HasPrefix(refStr, ns) {
  			path = "/" + strings.TrimPrefix(refStr, ns)
  			break
  		}
  	}
  	if path == "" {
  		return nil, fmt.Errorf("Schema reference %#v unexpectedly not available in fsLoaderFactory with namespaces %#v", path, factory.namespaces)
  	}
  
  	f, err := factory.fs.Open(path)
  	if err != nil {
  		return nil, err
  	}
  	defer f.Close()
  
  	return ioutil.ReadAll(f)
  }
docs: // refContents returns the contents of ref, if available in fsLoaderFactory.