File Names with Spaces ???

How do I use xsl to process the element 
<MATL>NEW FILE WITH SPACES.PDF</MATL>
that contains a file name with spaces so that it is
attached to the <A HREF with the %20 in the spaces. e.g.,
NEW%20FILE%20WITH%SPACES.PDF ???

<A HREF="http://mysite/NEW FILE WITH SPACES.PDF>NEW FILE WITH
SPACES.PDF</A>


It appears that IE5 inserts the %20 automatically, while
Netscape 4.5 does not.
Is there a way, using xsl, to insure that the file name will always be
seen
with %20 in the spaces by either/any browser.

IE5 sees it as
<A HREF="http://mysite/NEW%20FILE%20WITH%20SPACES.PDF>NEW FILE WITH
SPACES.PDF</A>
and can find the file

NS 4.5 sees it as
<A HREF="http://mysite/NEW FILE WITH SPACES.PDF>NEW FILE WITH
SPACES.PDF</A>
and of course cannot find the file

Currently, the processing below

<xsl:stylesheet xmlns:xsl="http://www.w3.org/TR/WD-xsl"
				xmlns:fo="http//www.w3.org/TR/WD-xsl/FO"
				xmlns="http://www.w3.org/TR/REC-html40" result-ns="">

<xsl:template match="MATL">
   <A HREF="http://mysite/{.}"><B><xsl:apply-templates/></B></A>
 </xsl:template>

creates a link that looks like
<A HREF="http://mysite/NEW FILE WITH SPACES.PDF>NEW FILE WITH
SPACES.PDF</A>




<xsl:stylesheet xmlns:xsl="http://www.w3.org/TR/WD-xsl"
				xmlns:fo="http//www.w3.org/TR/WD-xsl/FO"
				xmlns="http://www.w3.org/TR/REC-html40" result-ns="">

<xsl:template match="MATL">
   <A HREF="http://mysite/{.}"><B><xsl:apply-templates/></B></A>
 </xsl:template>


 XSL-List info and archive:  http://www.mulberrytech.com/xsl/xsl-list