[xsl] How would I go about changing my single quotes to double quotes in my XML output line ?

Subject: [xsl] How would I go about changing my single quotes to double quotes in my XML output line ?
From: "Catherine Wilbur cwilbur@xxxxxxxxxxx" <xsl-list-service@xxxxxxxxxxxxxxxxxxxxxx>
Date: Thu, 20 Nov 2014 22:06:02 -0000
Have following code in XSL stylesheet

Have string fields I surround by single quotes.  How would I change the 
single quote to a double quote without getting a syntax error in the 
<xsl:value-of select=.  Reason I am asking is because some of my string 
fields might have a single quote embedded so I want to surround my string 
fields by double quotes.  With the logic below it causes a syntax error 
with the <xsl:value-of select=" field sytax.

Anyone have any ideas?

                                Output the CSV comma delimited file with 
fields in the following order:
                                Seq#, UserId, Batch#, Vendor#, GLAcct, 
Invoice#, InvoiceDate, GLDate, Currency, ExchgRate, TotInvoiceAmnt, 
InvoiceLineAmnt, Attachment, PaymentTerms, Remark
                                Remark is a combination of the unique 
identifier (16 chars) plus the first 14 characters of the vendor code
                        "&#xa" is a line feed  (this is one we need to use 
to generate new line)
                        "&#xD" is a carriage return
                         Note:  Amount fields and exchange rate fields 
must be written out as implied decimal fields
                         <xsl:value-of select="position(), 

Catherine Wilbur 
  (E) cwilbur@xxxxxxxxxxx

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