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Unencoded & is acceptable (with warning) in the XHTML Transitional validator: http://validator.w3.org/check?uri=http%3A%2F%2Fwww.open4business.info%2Flbbd%2FO4Schemes.aspx%3FWCI%3DhtmSchemeSummary%26WCU%3DGTYPE_RKEYS%253d%2522LOAN%252cVCAP%2522%252cDSCODE%253dO4BUKBUS But chokes the CSS validator: http://jigsaw.w3.org/css-validator/validator?profile=css2&warning=2&uri=http%3A//www.open4business.info/lbbd/O4Schemes.aspx%3FWCI%3DhtmSchemeSummary%26WCU%3DGTYPE_RKEYS%253d%2522LOAN%252cVCAP%2522%252cDSCODE%253dO4BUKBUS
That's a bug in the Markup Validator. It points out in the result that it has only limited XML support and if you follow the link you'll find that this problem is discussed there.