public void SaveXml(string filename)
{
    XmlSerializer xml = new XmlSerializer(this.GetType());
    using (FileStream fs = new FileStream(filename, FileMode.Create))
    {
        xml.Serialize(fs, this);
    }
}
 
public static Accounts LoadXml(string filename)
{
    XmlSerializer xml = new XmlSerializer(typeof(Accounts));
    FileInfo f = new FileInfo(filename);
    if (!f.Exists || f.Length == 0)
        return new Accounts();
    using (FileStream fs = new FileStream(filename, FileMode.Open))
    {
        return (Accounts)xml.Deserialize(fs);
    }
}