How do I embed the ampersand (&) as part of the literal text I use in an SQL statement ?

How do I embed the ampersand (&) as part of the literal text I use in an SQL statement ?
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IN ORACLE
in simple words:

just put this after the ampersand ''

***NOTICED THAT THIS BLOG HIDES THE PIPES BETWEEN THE SINGLE QUOTES***

ampersand becomes

ampersand
simple quote
pipe
pipe
simple quote

insert into tab1 values('R&D'); <---error in oracle

insert into tab1 values('R&''D'); <--there are two pipes

between the quotes in the middle*****blog supressed

Voilà la solution!