<ITEMOUTPUTS>
    <BU_CENTRAL_AGE_ACCUM_IND>0</BU_CENTRAL_AGE_ACCUM_IND>
    <CENTRAL_AGE_ACCUM_IND>0</CENTRAL_AGE_ACCUM_IND>
    <L_BD_GROSS_BENEFIT_NO_SS>0</L_BD_GROSS_BENEFIT_NO_SS>

  <ITEMOUTPUTS>
   <FLD NM="BU_CENTRAL_AGE_ACCUM_IND">0</FLD> 
   <FLD NM="CENTRAL_AGE_ACCUM_IND">0</FLD> 
   <FLD NM="L_BD_GROSS_BENEFIT_NO_SS">0</FLD> 

1. there is a function call for the setting I don't see (undocumented?).
2. I have to use a style sheet to dynamically convert the output as it is generated.
3. Like to @ for Attribute style, there is some other character that can be used in TYPE definitions that will tell the xml generated to use this format
4. I can't use dbms_xmlgen.getxmltype but instead need to use the sql functions like XMLELEMENT.