For example, an '''address''' or '''company name''' could contain ampersands, so should be included as:
<pre>JaneSmith <primarycontact> <firstname>Jane</prefirstname> <lastname>Smith</lastname> <address><![CDATA[145 Main Street]]></address> <companyname><![CDATA[Acme & Friends]]></companyname> </primarycontact> <address></pre> </address>