Check out example codes for "pl sql escape &". It will help you in understanding the concepts better.

Code Example 1

-- syntax (This is specifically for PLSQL)

-- example (You want: 'This symbol, &, works!')
'This symbol, '||CHR(38)||', works!'

-- Note: You could also use the "SET DEFINE ~;" code. Please see the 
-- reference/source (URL) for more details

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