Image doesn't show- sitepoint book "build your own site..."

I’m on p 48, I have entered my image, following the code; and it doesn’t show up on my browser page. istead , I get this: (see attatchment)
here is my code:
<!DOCTYPE html PUBLIC “-//W3C //DTD XHTML 1.0 Strict//EN”
http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd”>
<html xmlns=“http://www.w3.org/1999/xhtml”>
<head>
<title>Bubble Goo-The diving club for Kessel-Lo’s Provincial Domein</title>
<meta http-equiv=“Content-Type”
content=“text/html; charset=utf-8”/>
</head>
<body>
<h1>BubbleGoo.com</h1>
<p>Diving Club for the rowing pond of the provincial domein in Kessel-Lo. Let’s make a mucky splash!</p>
<h2>Welcome to our super-dooper Scuba site</h2>
<p><img src=“scuba-diving-20.jpg” width=“200” height=“162” alt="A woman surrounded by fierce sharks/></p>

<p>Glad you could drop in and share some air with us! You’ve passed your underwater navigation skills and successfully found your

way to the start point - or in this case, our home page.</p>
<h3>About us</h3>
<p>Bubble Goo is a group of diving enthusiasts based in the lower suburbs of Leuven who meet up for diving trips

in the summer months when the weather is slightly less dismal than in winter and fall… well, at least a few more hours of

“sunlight”. We arrange weekends away as small groups to cut the costs of accomadation and travel, and to ensure that everyone gets

a trustworthy dive buddy.</p>
<p>Although we are based in Kessel-Lo, we don’t stay on our own turf: past diving weekends have included trips up

the Dijle, down the Vaart, even to visit the Loch Ness Monster currently residing in the Zoete Waters!</p>
<p>When we are not diving, we often meet up in some of the many pubs on the Old Market to get absolutely plastered

beyond recognition</p>
<h3>Contact Us</h3>
<p>To find out more, contact Club Secretary Gerneral Boutros Boutros Gali at 077 666 6969 or <a href="mailto:

boutrosgali@bubblegoo.com">email boutrosgali@bubblegoo.com</a>.</p>

&lt;/body&gt;

</html>

I have tried using the W3C mark-up validator (like someone out there suggested that I always, always should use if I have a problem) I however am a beginner , and don’t understand all this jargon yet-, so it is just not helpful for me yet!

This line

<p><img src="scuba-diving-20.jpg" width="200" height="162" alt="A woman surrounded by fierce [COLOR="Red"]sharks/>[/COLOR]</p>

should be

<p><img src="scuba-diving-20.jpg" width="200" height="162" alt="A woman surrounded by fierce [COLOR="Red"]sharks" />[/COLOR]</p>

Thanks, that has changed something, but I still don’t have an image

could it be that my image is in the wrong place? folder-wise that is.

The scuba-diving-20.jpg file is in the same folder as the page file, named exactly the same (case matters), and isn’t corrupt?