That's right, but sometimes in order to get even more flexible (and probably more complicated) system that static content could be moved further into another xml file, dynamically loaded by xslt during transformation. This way the only stuff in xsl would be a logic and data + presentation would be outside. There was a good atricle byI don't think it is a good idea to insert static content in the xml file. The xml file should only contain dynamic data (in your case client information). The static stuff should be placed in the xsl file.
Eric van der Vlist back in 2000 about "Style-free XSLT Style Sheets" at xml.com (http://www.xml.com/pub/a/2000/07/26/xslt/xsltstyle.html).
-- Oleg Tkachenko Multiconn International, Israel