Querystring URL problem (Text Confirmation vs Email Notification)

I'm getting different results from the same querystring code. The code works fine on the text confirmation page (Form Settings > Confirmation) - (where it displays a URL with querystring that feeds a page to create an invoice - using the submitted form data).

HOWEVER, the same code when placed in the email notification to the user (Notifications > Email Notification to User) - ... it only generates a portion of the querystring properly. Basically, it inserts (percent 26, %26) instead of the (ampersand, &) that is needed for the querystring.

The generated code (found in sent email) where the ampersands are replaced....
http://s98611120.onlinehome.us/ASK-WP/?page_id=247&askid=ASKNF-78195657&prefx=&fname=Mike&lname=Bardeggia&inst=Laurentian%20University&regdate=18/10/2011&street=537%20McKim%20Street%26city%3DSudbury%26prov%3DOntario%26postal%3DP3C%202L4%26country%3DCanada%26prod%3DASK%20License:%20Non-Funded%20Academic%20Research/Clinic%20Practice%20Evaluation&price=$%20115.00%20CAD&version=Performance

Here is the actual code from the notifications settings box (used to generate the above URL)...
View <a href="http://s98611120.onlinehome.us/ASK-WP/?page_id=247&askid={ASK Registration ID:69}&prefx={Salutation:66}&fname={This agreement is between Nancy Young at Laurentian University and ("User") (First):55.3}&lname={This agreement is between Nancy Young at Laurentian University and ("User") (Last):55.6}&inst={Institution:59}&regdate={Today's Date:60}&street={Work Address (Street Address):5.1}&city={Work Address (City):5.3}&prov={Work Address (State / Province):5.4}&postal={Work Address (Zip / Postal Code):5.5}&country={Work Address (Country):5.6}&prod={ASK License: Non-Funded Academic Research/Clinic Practice Evaluation (Name):75.1}&price={ASK License: Non-Funded Academic Research/Clinic Practice Evaluation (Price):75.2}&version={Version of the ASK required:79}" target="_blank">Your Invoice >></a>

The above code is the EXACT same that is used to generate the message in the confirmation box on the "Thank Your for your submission" page - and in that case the & (ampersands) are not replaced - and the URL when clicked - populates the Invoice page properly.

If you want, you can try it out yourself (use your email address in the form) - Get the email (that has the URL problem) and see the "Thank You" page - (where the same "Invoice link" works.

http://s98611120.onlinehome.us/ASK-WP/?page_id=63

I hope someone has some insight.

Cheers,
Mike

P.S. I'm using Gmail as my email client - if for some reason, GMAIL might be doing the "replacement". However I don't think so, because I have another form that WORKS fine for both the email and the "thank you page" URLs. I've compared the two - ad nauseum, and don't see a difference!