passing xsl:value-of to HREF

  Hi, in my XSL, I need to pass a value from XML to "href", but int
complains about "<", how would handle this?
  THanks
                <tr>
                    <td align="right"><a
href="http://myserver.com:8881/sp/xmlReport?contentType=excel&amp;reportType
=rates&amp;FUND=<xsl:value-of select="TIME_ZONE">"><img
src="/fd/images/bottom_nav_download.gif" width="157" height="21"
border="0"/></a></td>
                </tr>

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