Turning escaped HTML back to markup

I am exporting an Access 2003 database as XML. Some of the fields should
contain HTML, but the XML export from Access seems to escape the angle
brackets. So three questions:

1. Has anyone successfully got HTML into and out of an Access 2003 database?

2. Alternatively, I write a recursive template using lots of substring-xxx
and xsl:element. Not too difficult, but if anyone knows of a suitable
template available to use, that would save some time.

3. Or have I missed something?

Regards

Paul