Hi, Chris.
>Do I need the CHR(13) on the second line in order to ensure the "text" tag starts correctly under the header, or will it get corrected as it arrives at the target (calling program)?
As Alex told you, line separation is totally optional in XML. Indeed, if you inspect the CursorToXml parameters (or the XmlAdapter properties), you find you can produce continuos XML without additional spaces, all in one single line.
Best luck,