validation error

HI,


I have the attached two codes (xsd + xml).... once I validate the xml file I get the following  error:

 Message: An exception occurred! Type:RuntimeException, Message:Warning: The primary document entity could not be opened  Id=/home/dml/medicare.xsd


--- can any one help me to crack this error?
Please have a look at the codes:

------xsd------

<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema">

<xs:element name="medicare-card"> 
        <xs:complexType> 
            <xs:sequence> 
                <xs:element ref="expiry-date" />
                <xs:element ref="family"/>
            </xs:sequence> 
            <xs:attribute name="type" use="required"> 
                <xs:simpleType> 
                    <xs:restriction base="xs:string"> 
                        <xs:enumeration value="Reciprocal"/> 
                        <xs:enumeration value="Interim"/> 
                    </xs:restriction> 
                </xs:simpleType> 
            </xs:attribute> 
            <xs:attribute name="id" use="required"> 
                <xs:simpleType> 
                    <xs:restriction base="xs:string"> 
                        <xs:pattern value="[A-Z][0-9]{8}"></xs:pattern> 
                    </xs:restriction> 
                </xs:simpleType> 
            </xs:attribute> 
        </xs:complexType> 
        <xs:unique name="unique-id"> 
            <xs:selector xpath="medicare-card"></xs:selector> 
            <xs:field xpath="@id"></xs:field> 
        </xs:unique> 
    </xs:element>
    <xs:element name="expiry-date" type="xs:date"/>
    <xs:element name="family">
        <xs:complexType>
            <xs:sequence minOccurs="1" maxOccurs="9">
                <xs:element ref="person"/>
            </xs:sequence>
        </xs:complexType>
    </xs:element>
    
	<xs:element name="person">
        <xs:complexType>
            <xs:sequence>
                <xs:element ref="name" /> 
                <xs:element ref="date-of-birth" /> 
                <xs:element ref="contact" /> 
                <xs:element ref="medical-info" /> 
            </xs:sequence>
            <xs:attribute name="gender" use="required">
                <xs:simpleType>
                    <xs:restriction base="xs:string">
                        <xs:enumeration value="Male"/>
                        <xs:enumeration value="Female"/>
                    </xs:restriction>
                </xs:simpleType>
            </xs:attribute>
        </xs:complexType>
    </xs:element>
	
	
	
	<xs:element name="name">
	<xs:complexType>
			<xs:sequence>
				<xs:element name="lname" minOccurs="1" maxOccurs="1" />
				<xs:element name="mname" minOccurs="0" maxOccurs="1" />
				<xs:element name="fname" minOccurs="1" maxOccurs="1" /> 
            </xs:sequence>
	</xs:complexType>
	 </xs:element>

	 
    <xs:element name="date-of-birth" type="xs:date"/>
    <xs:element name="contact">
        <xs:complexType>
            <xs:sequence>
                <xs:element ref="address"/>
                <xs:element name="telephone"/>
                <xs:element name="email"/>
            </xs:sequence>
            <xs:attribute name="preferred">
                <xs:simpleType>
                    <xs:restriction base="xs:string">
                        <xs:enumeration value="address"/>
                        <xs:enumeration value="telephone"/>
                        <xs:enumeration value="email"/>
                    </xs:restriction>
                </xs:simpleType>
            </xs:attribute>
        </xs:complexType>
    </xs:element>
	<xs:element name="address">
	<xs:complexType>
	<xs:sequence>
	    <xs:element ref="street"/>
        <xs:element ref="city"/>
        <xs:element ref="state"/>
		<xs:element ref="zipcode"/>
	</xs:sequence>
	</xs:complexType>
	</xs:element>

	<xs:element name="street" type="xs:string"/>
	<xs:element name="city" type="xs:string"/>
	<xs:element name="state" type="xs:string"/>	
		<xs:element name="zipcode">
		  <xs:simpleType>
			<xs:restriction base="xs:integer">
			  <xs:pattern value="[0-9]{4}"/>
			</xs:restriction>
		  </xs:simpleType>
		</xs:element>	
	<xs:element name="medical-info">
	<xs:complexType>
		<xs:sequence>
		<xs:element name="blood"/>
		<xs:element ref="allergy"/>
		<xs:element ref="chronic-illness"/>	
		</xs:sequence>
		<xs:attribute name="type" use="required">
                <xs:simpleType>
                    <xs:restriction base="xs:string">
                        <xs:enumeration value="Opositive"/>
                        <xs:enumeration value="Onegative"/>
						<xs:enumeration value="Apositive"/>
						<xs:enumeration value="Anegative"/>
						<xs:enumeration value="Bpositive"/>
						<xs:enumeration value="Bnegative"/>
						<xs:enumeration value="ABpositive"/>
						<xs:enumeration value="ABnegative"/>
                    </xs:restriction>
                </xs:simpleType>
            </xs:attribute>
	</xs:complexType>
	</xs:element>
	
	<xs:element name="allergy" type="xs:string"/>
	<xs:element name="chronic-illness" type="xs:string"/>

	
	
</xs:schema>  
   

---xml------
<?xml version="1.0" encoding="utf-8" ?> 
<medicare xs:noNamespaceSchemaLocation="medicare.xsd" 
xmlns:xs="http://www.w3.org/2001/XMLSchema-instance">

<medicare-card id="A12345678" type="Reciprocal">
		 
		<expiry-date>2020-12-12</expiry-date>
		<family>
			<person gender="Female">
				<name >
					<lname>Dabl</lname>
					<mname>S</mname>
					<fname>Norah</fname>
				</name>
		
			
				<date-of-birth>1987-07-21</date-of-birth>
				<contact >
					<address >
						<street>Melbourne st.</street>
						<city>Melbourne</city>
						<state>vic</state>
						<zipcode>3000</zipcode>
					</address>
					<telephone>0413074666</telephone>
					<email>norah@email.com</email>
				</contact>
				<medical-info type="Opositive">
					<blood></blood>
					<allergy>no</allergy>
					<chronic-illness>no</chronic-illness>
				</medical-info>
			</person>
		</family>
				
	</medicare-card>

</medicare>

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