P3P Implementation Problems

I recently generated a privacy policy and I am trying to implement it on my
website.  I have stored the reference file as /W3C/p3p.xml and the full
policy as /W3C/policy.xml.  I have even added links within my index page as
suggested.  However when i go to validate my page i get the error : 

"/w3c/p3p.xml has some warnings or errors.

Error: The URI fragment identifier (#xxx) is necessary to specify a POLICY
element in a POLICIES element"

Any suggestions?

My reference file is as follows:

<?xml version="1.0" ?> 

 <http://www.1to1.com/w3c/p3p.xml#> - <META
xmlns="http://www.w3.org/2001/09/P3Pv1">
 <http://www.1to1.com/w3c/p3p.xml#> - <POLICY-REFERENCES>
 <http://www.1to1.com/w3c/p3p.xml#> - <POLICY-REF about=
http://www.1to1.com/w3c/policy.xml <http://www.1to1.com/w3c/policy.xml> >
  <INCLUDE>\*</INCLUDE> 
  <COOKIE-INCLUDE name="*" value="*" domain="*" path="*" /> 
  </POLICY-REF>
  </POLICY-REFERENCES>
  </META>