Ok, I\'ve read a couple books on XML and wrote programs to spit it out and what not. But here\'s the question. Both a comma delimited file and a XML file are \"human readable.
I like to think of the primary distinction in this case as XML is TREE based, while CSV is TABLE-based.
That is, you can nest and re-nest and omit and generally make a complex TREE structure in XML, whereas you can only make simple 2D tables in CSV.