When do I need to use the " in xml?

When I have quotes that are not in an attribute do I need to encode them using "?

Which is correct? Exhibit A or Exhibit B?

Exhibit A

<boat>
    <name> Bertha </name>
    <description> Good boat.  10 feet long.  "Fixer-upper"</description>
</boat>

Exhibit B

<boat>
    <name> Bertha </name>
    <description> Good boat.  10 feet long.  &开发者_如何学JAVA;quot;Fixer-upper&quot;</description>
</boat>

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Both of your examples are valid.

You only need " inside an attribute value; a " character would close the attribute early.

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From MSDN:

" must be used for an attribute value, but a straight quotation mark (") is acceptable as the content of an element.

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Both are correct and valid XML.

There is no need to use &quote; within text nodes.

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like this is ok <boat description = " Good boat. 10 feet long. &quot;Fixer-upper&quot;"></boat>

like this is not ok <boat description = " Good boat. 10 feet long. "Fixer-upper""></boat>