I have got Error The element type classes must be terminated by the matching end-tag classes in my XML code

Question

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE suite SYSTEM "https://testng.org/testng-1.0.dtd">

<suite name="Loan Department">

  <test name="Personal loan">

    <classes>

      <class name="Test.Basic1"/>

      <class name="Test.Day1"/>

      

       

    </classes>

  </test>

  

   <test name ="Car loan">

   

      <classes>

      

       <class name="Test.Day1"/>

       

       <methods>

           <exclude name="MobileLoginCarLoan"/>

        </methods>

         

        </class>

          

       </classes>

   </test>

</suite>