The any element enables us to extend the XML document with elements not specified by the schema.
The following example is a fragment from an XML schema called "family.xsd". It shows a declaration for the "person" element. By using the
[person - last name, firstname, any]
any can contain any additonal information (any other element from other schema as well)
So you can define another child.xsd and add it in your XML
Your XML can contain something like -
[person - lastname, firstname, [children - childname] ]
Its little difficult to format the XML output in this blog so please reference this link - http://www.w3schools.com/schema/schema_complex_any.asp
BTW, w3schools is the best site for all your questions regarding XML schema.
Cheers - Dj