syntax question

[windows]

How would you write this to be xml compatable<br />
<br />
<br />
<PERSONAL_INFO></PERSONAL_INFO><FIRST_NAME></FIRST_NAME><LAST_NAME></LAST_NAME><br />
<br />
or<br />
<br />
<PERSONAL_INFO><FIRST_NAME><LAST_NAME></LAST_NAME></FIRST_NAME></PERSONAL_INFO><!--content-->The second way is more likely correct, but the first could be valid. it depends on the<br />
schema<!--content-->