Parsing Error Line 2

I have tried everything and I keep getting the same error many of you
do. I have tried different site maps - I have looked at other peoples
problems and tried their solutions and Im still stuck. This is my site
map:

<?xml version="1.0" encoding="UTF-8" ?>
- <xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema"
targetNamespace="http://www.google.com/schemas/sitemap/0.84"
xmlns="http://www.google.com/schemas/sitemap/0.84">
- <url>
<loc>http://sunshinewebdesign.org/</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/index.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/consultation.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/webdesign.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/prices.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/quote.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/hostingservice.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/hostingprices.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/definitions.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/sunshine.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/customers.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/specials.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/ideas.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.1</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/marketing.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.3</priority>
</url>
- <url>

<loc>http://sunshinewebdesign.org/https://www.paypal.com/security</loc>

<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.3</priority>
</url>
- <url>
<loc>http://sunshinewebdesign.org/disclaimer.html</loc>
<lastmod>2005-12-11</lastmod>
<changefreq>monthly</changefreq>
<priority>0.3</priority>
</url>
</urlset>

Im probably just missing something simply but can someone please help
me. I have tried a few generated map sites and this is the latest. I
get the same error with all.
Thank you very much!

ddhockin