code: public function xml()
  	{
  		$userFields = array('agencyId', 'userId', 'firstName', 'lastName', 'email', 'phone', 'postalAddress');
  		$loanFields = array('id', 'reminderLevel', 'title');
  
  		$loanedItems = '';
  		foreach ($this->loanedItems as $item) {
  			$s = $this->loanTemplate;
  			foreach ($loanFields as $field) {
  				$s = str_replace('{{' . $field . '}}', $item[$field], $s);
  			}
  			$s = str_replace('{{dateDue}}', $this->formatDateTime($item['dateDue']), $s);
  			$loanedItems .= $s;
  		}
  
  		$s = $this->template;
  		foreach ($userFields as $field) {
  			$s = str_replace('{{' . $field . '}}', $this->{$field}, $s);
  		}
  		$s = str_replace('{{loanedItems}}', $loanedItems, $s);
  
  		return $s;
  	}
docs: Return a XML representation of the request