In xml use the entity reference for the apostrophe when the xml is created. Keep in mind the 5 predefined entity references. I have a utility for this from the generosity of other UTers:

*--Encode
LOCAL lcReturn
lcReturn = TRAN(teExpression)
IF VARTYPE(teExpression) = 'C'
	lcReturn = ALLTRIM(lcReturn)
	lcReturn = STRTRAN(lcReturn, '&', '&')
	lcReturn = STRTRAN(lcReturn, '<', '&lt;')
	lcReturn = STRTRAN(lcReturn, '>', '>')
	lcReturn = STRTRAN(lcReturn, '"', '"')
	lcReturn = STRTRAN(lcReturn, "'", '&apos;')
ENDIF 

*--Decode:
FUNCTION XMLDeCode
LPARAMETERS cTXT
LOCAL i,ch
FOR i=1 TO 255
  ch=ALLTRIM(STR(i))
  cTXT=STRTRAN(cTXT,"&#"+ch+";",CHR(i))
ENDFOR 
RETURN cTXT

>Hi All,
>
>I have a string of XML that I'd like to load into an XMLAdapter. I can do this most of the time by calling the latter's LoadXML() method and passing in the XML string. Occasionally, the method causes an error because the XML string contains single quote delimited values that can contain an apostrophe. This throws off the balance of quotes. Here's an example snippet:
>
>

><rs:data>
><z:row LandStreetNum='1000' LandStreetName='Richard's St'... />
></rs:data>
>

>
>Note how Richard's St messes up the quotes.
>
>Is there any way to tell the XMLAdapter to substitute double quote "delimiters" for single quotes when it tries to LoadXML()? Of course it has to ignore the apostrophe too :)
>
>TIA
>
>Mike