private Iterator createServiceFileIterator() {
        if (classLoader == null) {
            return new SingleIterator() {
                protected Object value() {
                    ClassLoader classLoader = XPathFactoryFinder.class.getClassLoader();
                    return ss.getResourceAsURL(classLoader, SERVICE_ID);
                    //return (ClassLoader.getSystemResource( SERVICE_ID ));
                }
            };
        } else {
            try {
                //final Enumeration e = classLoader.getResources(SERVICE_ID);
                final Enumeration e = ss.getResources(classLoader, SERVICE_ID);
                if(!e.hasMoreElements()) {
                    debugPrintln("no "+SERVICE_ID+" file was found");
                }

                // wrap it into an Iterator.
                return new Iterator() {
                    public void remove() {
                        throw new UnsupportedOperationException();
                    }

                    public boolean hasNext() {
                        return e.hasMoreElements();
                    }

                    public Object next() {
                        return e.nextElement();
                    }
                };
            } catch (IOException e) {
                debugPrintln("failed to enumerate resources "+SERVICE_ID);
                if(debug)   e.printStackTrace();
                return new ArrayList().iterator();  // empty iterator
            }
        }
    }