Embedding html within xml

I can't think of how to do this:

<rule type="Change of Particulars">To change your particulars. ie change
of address, marital   status etc &lt;a
href=&quot;www.defence.gov.au/army/6hsb/h_Particulars.htm&quot;&gt;click
here.&lt;/a&gt;</rule>

The above is part of a XML file that is transformed via a stylesheet to
HTML. I want to be able to transform the rule with the html link in it. 

Is it because the transformation process reads the rule with the
characters already changed into <>" and thus rejects

Is there a simple way to achieve the result?

thanx


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