PolicyBinding.xml

<?xml version="1.0" encoding="UTF-8"?>
<smooks-resource-list xmlns="http://www.milyn.org/xsd/smooks-1.1.xsd"
                      xmlns:core="http://www.milyn.org/xsd/smooks/smooks-core-1.4.xsd"
                      xmlns:jb="http://www.milyn.org/xsd/smooks/javabean-1.4.xsd">

    <core:namespaces>
        <core:namespace prefix="pol" uri="http://www.example.org/policyQuote"/>
    </core:namespaces>

    <jb:bean beanId="policy" class="org.acme.insurance.Policy" createOnElement="/pol:@rootEl@">
        <jb:value data="#/pol:calculatePolicyQuote/pol:requestDate" decoder="Date" property="requestDate">
            <jb:decodeParam name="format">yyyy-MM-dd</jb:decodeParam>
        </jb:value>
        <jb:wiring beanIdRef="driver" property="driver"/>
        <jb:value data="#/pol:calculatePolicyQuote/pol:policyQuoteInfo/pol:policyType" property="policyType"/>
        <jb:value data="#/pol:calculatePolicyQuote/pol:policyQuoteInfo/pol:vehicleYear" property="vehicleYear"/>
    </jb:bean>

    <jb:bean beanId="driver" class="org.acme.insurance.Driver" createOnElement="/pol:@rootEl@/pol:calculatePolicyQuote/pol:policyQuoteInfo">
        <jb:value data="#/pol:driverName" property="driverName"/>
        <jb:value data="#/pol:ssn" property="ssn"/>
        <jb:value data="#/pol:dlNumber" property="dlNumber"/>
        <jb:value data="#/pol:age" property="age"/>
        <jb:value data="#/pol:numberOfAccidents" property="numberOfAccidents"/>
        <jb:value data="#/pol:numberOfTickets" property="numberOfTickets"/>
        <jb:value data="#/pol:creditScore" property="creditScore"/>
    </jb:bean>

</smooks-resource-list>

Note the @Rootel@ parameter injection token.