[SOLVED] apostrophes in banner and footer

I am having a problem in the header and footer xml files. I need to place an apostrophe in the text string in the xml file. This is interpreted as &apos and
that is what shows up in the brower. I have tried all the stuff I can find on google. &apos, \, CDATA nothing is working. Does anyone know the proper escape sequence so that I can get the possessive apostrophe in the text string?
Thanks in advance.

[freenicetemplates]

Hello,
What banner do you use ?

Sorry, I should have included that: Template 2

[freenicetemplates]

Hi,
Can you try with this new header.swf (don't forget to clear your browser's cache).

That worked great! Thanks!
Can you give me the same fix for the footer in template 2 ?

[freenicetemplates]

Hello,
Here it is.

All fixed!
Thanks!