c:url encoding issue with ampersands

[johkar]

I am outputting a link using c:url and caram

<c:url var="location" value="whatever.do">
<caram name="city" value="${city}"/>
<caram name="state" value="${state}"/>
</c:url>
<a href="${location}">City, ST</a>

It appears c:url encodes everything in the URL except for ampersands.
This causes the page to not validate to W3C standards for HTML 4.01 or
XHTML.

Is there any way to get around this???