<?xml version="1.0" encoding="us-ascii"?>
<!--
Taxonomy based on XBRL standard Version 2.1.
Created by UBmatrix Taxonomy Designer 2.5.2666.2110 (2007-01-13 18:15).  
Contact www.ubmatrix.com
Copyright (c) 2002-2007 UBmatrix inc., All Rights Reserved
Produced on 2007-01-17 12:27:54
-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ci="http://www.xbrl.us/patterns/2007/SpecificallyRelatedText" xmlns:h="http://StandardAdvantage.com/h" targetNamespace="http://www.xbrl.us/patterns/2007/SpecificallyRelatedText" elementFormDefault="qualified" attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="SpecificallyRelatedText-label.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="SpecificallyRelatedText-presentation.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://StandardAdvantage.com/h" schemaLocation="h.xsd" />
  <element id="ci_AccountingPolicies" name="AccountingPolicies" substitutionGroup="xbrli:tuple" nillable="true">
    <complexType>
      <complexContent>
        <restriction base="anyType">
          <sequence>
            <element ref="h:table" minOccurs="1" maxOccurs="1" />
          </sequence>
          <attribute name="id" type="ID" use="optional" />
        </restriction>
      </complexContent>
    </complexType>
  </element>
  <element id="ci_DisclosuresAbstract" name="DisclosuresAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="ci_ManagementDiscussionAndAnalysis" name="ManagementDiscussionAndAnalysis" substitutionGroup="xbrli:tuple" nillable="true">
    <complexType>
      <complexContent>
        <restriction base="anyType">
          <sequence>
            <element ref="h:table" minOccurs="1" maxOccurs="1" />
          </sequence>
          <attribute name="id" type="ID" use="optional" />
        </restriction>
      </complexContent>
    </complexType>
  </element>
</schema>
