<xsd:element name="Loader">
    <xsd:complexType>
      <xsd:choice maxOccurs="unbounded" minOccurs="1">
        <xsd:element maxOccurs="unbounded" minOccurs="1" name="PartyRecords" type="PartyRecords"/>
        <xsd:element maxOccurs="unbounded" minOccurs="1" name="VariableRateRecords" type="VariableRateRecords"/>
      </xsd:choice>
    </xsd:complexType>
  </xsd:element>
  
  <xsd:complexType name="VariableRateRecord">
    <xsd:choice maxOccurs="unbounded" minOccurs="0">
      <xsd:element name="Loan" type="xsd:string"/>
      <xsd:element name="Debt" type="xsd:string"/>
      <xsd:element name="ExternalSystemReferenceID" type="xsd:string"/>
    </xsd:choice>
  </xsd:complexType>

  <xsd:complexType name="SinkScheduleRecord">
    <xsd:choice maxOccurs="unbounded" minOccurs="0">
      <xsd:element name="Bond" type="xsd:string"/>
      <xsd:element name="PaymentType" type="xsd:string"/>
      <xsd:element name="ExternalSystemReferenceID" type="xsd:string"/>
    </xsd:choice>
  </xsd:complexType>

  <xsd:complexType name="VariableRateRecords">
    <xsd:choice maxOccurs="unbounded" minOccurs="0">
      <xsd:element name="VariableRateRecord" type="VariableRateRecord"/>
      <xsd:element name="SinkScheduleRecord" type="SinkScheduleRecord"/>
    </xsd:choice>
  </xsd:complexType>

  <xsd:simpleType name="PartyRecordsKeyFieldType">
    <xsd:restriction base="xsd:string">
      <xsd:enumeration value="NameSort"/>
    </xsd:restriction>
  </xsd:simpleType>

  <xsd:complexType name="PartyRecordsKeyValueType">
    <xsd:simpleContent>
      <xsd:extension base="xsd:string">
        <xsd:attribute default="NameSort" name="KeyName" type="PartyRecordsKeyFieldType"/>
      </xsd:extension>
    </xsd:simpleContent>
  </xsd:complexType>

  <xsd:complexType name="AccountAdministratorNewType">
    <xsd:choice maxOccurs="unbounded" minOccurs="0">
      <xsd:element minOccurs="0" name="NameLine1" nillable="true" type="xsd:string"/>
      <xsd:element minOccurs="1" name="NameSort" nillable="true" type="xsd:string"/>
    </xsd:choice>
  </xsd:complexType>

  <xsd:complexType name="AccountAdministratorUpdateType">
    <xsd:choice maxOccurs="unbounded" minOccurs="0">
      <xsd:element minOccurs="0" name="NameLine1" nillable="true" type="xsd:string"/>
      <xsd:element minOccurs="0" name="NameSort" nillable="true" type="xsd:string"/>
      <xsd:element minOccurs="1" name="KeyValue" type="PartyRecordsKeyValueType"/>
      <xsd:element minOccurs="0" name="ExternalSystemReferenceID" type="xsd:string"/>
    </xsd:choice>
  </xsd:complexType>
  
  <xsd:complexType name="PartyRecords">
    <xsd:choice maxOccurs="unbounded" minOccurs="1">
      <xsd:element minOccurs="1" name="AccountAdministrator_New" type="AccountAdministratorNewType"/>
      <xsd:element name="AccountAdministrator_Update" type="AccountAdministratorUpdateType"/>      
    </xsd:choice>
  </xsd:complexType>
</xsd:schema>

SchemaTest.xml内容：
<?xml version="1.0" encoding="utf-8" ?>
<GenevaLoader>
  <VariableRateRecords>
    <VariableRateRecord>
      <Loan>Loan Test</Loan>
      <Debt>Debt Test</Debt>
      <ExternalSystemReferenceID>112232</ExternalSystemReferenceID>
    </VariableRateRecord>

    <SinkScheduleRecord>
      <Bond>Bond Test</Bond>
      <PaymentType>After Got</PaymentType>
      <ExternalSystemReferenceID>112231</ExternalSystemReferenceID>
    </SinkScheduleRecord>
  </VariableRateRecords>

  <Test>
    <AccountAdministrator_New>
      <NameLine1>zgl</NameLine1>
      <NameSort>Joel</NameSort>
    </AccountAdministrator_New>
    <AccountAdministrator_New>
      <NameLine1>zgl</NameLine1>
    </AccountAdministrator_New>

    <AccountAdministrator_Update>
      <NameLine1>suntao</NameLine1>
      <NameSort>Sam</NameSort>
      <KeyValue>
        <KeyName>
          NameSort
        </KeyName>
      </KeyValue>
      <ExternalSystemReferenceID>112233</ExternalSystemReferenceID>
    </AccountAdministrator_Update>
  </Test>
</GenevaLoader>

我写了一段程序，使用.NET2005对XML进行验证，看其是否满足Schema的定义，可是无论我怎么改Schema，结果都是成功的，哪位可以指导下？

程序如下：
private void button1_Click(object sender, EventArgs e)
        {
            try
            {
                // Create the XmlSchemaSet class.
                XmlSchemaSet sc = new XmlSchemaSet();

                // Add the schema to the collection.
                sc.Add(null, "Schema.xsd");

                // Set the validation settings.
                XmlReaderSettings settings = new XmlReaderSettings();
                settings.ValidationType = ValidationType.Schema;
                settings.Schemas = sc;
                settings.ValidationEventHandler += new ValidationEventHandler(ValidationCallBack);

                // Create the XmlReader object.
                XmlReader reader = XmlReader.Create("SchemaTest.xml", settings);

                // Parse the file to Validate it against the schema.
                int index = 0;
                while (reader.Read())
                {
                    index++;
                }

                MessageBox.Show("Validation Sucessful!  "+ index.ToString());

                //TODO: Further validation can be done to ensure that each Test has a unique Name attribute within the TestSet

            }
            catch (XmlException ex)
            {
                // Not implemented: Write to _logFileName;
                MessageBox.Show("Caught XML validation error:"+ex.Message);
                //throw new NotImplementedException("Caught XML validation error: " + ex.Message);
            }
        }
        // Display any validation errors.
        private static void ValidationCallBack(object sender, ValidationEventArgs e)
        {
            MessageBox.Show("Caught XML validation error:" + e.Message);
            //throw new ApplicationException("Validation Error: " + e.Message);
        }