How & in XML?

ref: http://www.w3schools.com/xml/xml_cdata.asp

There are 5 predefined entity references in XML:

&lt;	<	less than
&gt;	>	greater than
&amp;	&	ampersand
&apos;	'	apostrophe
&quot;	"	quotation mark

Note: Only the characters "<" and "&" are strictly illegal in XML. Apostrophes, quotation marks and greater than signs are legal, but it is a good habit to replace them.

or use the CDATA

Everything inside a CDATA section is ignored by the parser.
A CDATA section starts with "<![CDATA[" and ends with "]]>":

Happy day, happy life!