Validation with XmlReader (XmlReaderSettings)

/**//// <summary>
        /// Creats the instance of xml document
        /// </summary>
        /// <returns> instance of the xml document</returns>
        public static XmlDocument GetXmlDocument()
        {
            PaymentSection ps = (PaymentSection)System.Configuration.ConfigurationManager.GetSection(PAYMENTSECTION);
            string path = ps.Value;
            if (_originalPath == path)
                return _orinalDoc;
            XmlTextReader schemaReader = new XmlTextReader(
                System.Reflection.Assembly.GetExecutingAssembly().GetManifestResourceStream(SCHEMAURI));
            XmlSchemaSet schemaSet = new XmlSchemaSet();
            schemaSet.Add(NAMESPACE, schemaReader);
            XmlReaderSettings settings = new XmlReaderSettings();
            settings.Schemas = schemaSet;
            settings.ValidationType = ValidationType.Schema;
            settings.ValidationEventHandler += delegate(object sender, ValidationEventArgs args)
            {
                Console.WriteLine(args.Exception.Message);
            };

            XmlReader reader = XmlReader.Create(path, settings);
            XmlDocument doc = new XmlDocument();
            doc.Load(reader);
            _originalPath = path;
            _orinalDoc = doc;
            return doc;
        }