I hate to contradict, but the rules of encoding in an URL have nothing to do with HTML entities. In fact, putting & in an URL is a monstrosity that will only create havoc.
I have been trying to explain for the longest time that in links and URLs, & should actually not be substituted with & because it throws off and ruins URLs with parameters, such as
It is unfortunate nobody seems to understand.
BlueGriffon is a fantastic piece of programmation, but that blemish is quite unfortunate, because it precludes a good number of professional applications.
MitchBoo