Inserting tag into generated text?

I tried to insert a tag into generated text which doesn't work (xsltproc  
complains):

<l:template name="chapter" text="<bla>Chapter</bla> %n. %t"/>

I tried to use then &lt; and &gt; but they are not replaced with < and >  
but written directly. Is there a trick to do what I try?

Thanks in advance,
Boris