Error parsing &

I am receiving the below error when parsing & within an element.  It was
my belief that escaping the '&' would not pose this type of problem.  I
haven't found an unambiguous explanation on the W3C site -- please expound
on this. See element fragment below.


<Remarks>Hlth Ins &amp; Bks</Remarks> 

SEVERE: **Parsing Fatal Error**
  Line     : 53
  URI      : null
  Message  : The reference to entity "Bks" must end with the ';' delimiter.
org.xml.sax.SAXParseException: The reference to entity "Bks" must end with
the ';' delimiter.



Regards,

Craig Long

"Be Kind to Your Enemies, You Made Them."