If your XML document uses the Windows character set, you must set the encoding of the XML document to "ISO-8859-1". Otherwise, some XML processors (like Internet Explorer) will complain about an invalid character. A particularly common case of non-ASCII characters in an otherwise normal file occurs when the text was generated in Microsoft Word and included quote characters that had been converted into "smart quotes".
... until the collector arrives ...
This "blog" is really just a scratchpad of mine. There is not much of general interest here. Most of the content is scribbled down "live" as I discover things I want to remember. I rarely go back to correct mistakes in older entries. You have been warned :)