How do you handle the <, >, or & chars in xml file before insert?

How do you handle the <, >, or & chars in xml file before insert?

Hi:

During inserting a lead, if my lead item data have <, >, or &, the error msg will show: xml not formatted. For example:

<Tasks>
<row no="1">
<FL val="SMOWNERID">2000000016714</FL>
<FL val="Task Owner"><Scott@zohotest.com></FL>


<FL val="Subject">Demo & Call</FL>

<FL val="Due Date">11/23/2009</FL>
<FL val="SEID">2000000018003</FL>
<FL val="SEMODULE">Leads</FL>
<FL val="Status">In Progress</FL>
<FL val="Priority">Highest</FL>
<FL val="Send Notification Email">false</FL>
<FL val="Description">Sample Desc</FL>
</row>







</Tasks>

what is the best solutuon? I used "<![CDATA[" and  "]]>", seems not working.




thanks