DOCBOOK-APPS: Fwd: French error message

[Dan York <dan_york at mitel dot com>]

Okay, I'm stumped... anyone know why I get this error msg:

----- Forwarded message from "Stinson, Leanne"  -----

E:\stinson\SME_Server\userguide\French\html>e:\docbook\saxon\saxon.exe ..\usergu
idesme.xml e:\docbook\nssg-xslt\e-smith-html-chunk.xsl

Error at byte 653 of file:/E:/stinson/SME_Server/userguide/French/userguidesme.x
ml:
  Error reported by XML parser: bad continuation of multi-byte UTF-8 sequence (c
ode: 0x22)
Transformation failed: Run-time errors were reported

E:\stinson\SME_Server\userguide\French\html>

----- End forwarded message -----

While the example is using a custom XSLT stylesheet, I have tried it with
just the standard DocBook stylesheets.  What would I look for with a 
"bad continuation of multi-byte UTF-8 sequence"?

FYI, the file starts off with:
  
  <?xml version="1.0" encoding="ISO-8859-1" standalone="yes"?>
  <!DOCTYPE book PUBLIC "-//OASIS//DTD DocBook XML V4.1.2//EN"
  "http://www.oasis-open.org/docbook/xml/4.1.2/docbookx.dtd";[
    <!ENTITY product "SME Server V5 avec ServiceLink">
    ]>

Should I be using a different encoding string?  The text is in French
(Canadian) and the person doing this is using Instant Saxon on Windows.
I haven't been able to try the files on a different setup for a number
of reasons.

Any ideas would be greatly appreciated.

Thanks,
Dan

-- 
Dan York, Product Line Manager, SME Server and ServiceLink
Mitel Networks Corporation                 dan_york@mitel.com
Ph: +1-613-592-2122 Cell: +1-613-263-4312 Fax: +1-613-592-1175
350 Legget Drive, Ottawa, ON, K2K 2W7 Canada
http://www.mitel.com/sme/  and  http://www.e-smith.com/