Carolyn,

           You have so many choices due to the evolution of e-mail (and the 
same ones as everyone else).  When e-mail first started it was all plain text.  
Plain text is exactly what its name states.  You cannot format plain text with 
features like bold, italic, underline, color, etc.  It's "black and white" (or 
monitor color and black for monochrome monitors - when did I last encounter one 
of those).  It used to be conventional to denote italic by putting an asterisk 
before and after the word(s) or underlined by putting an underscore before and 
after the word(s).  As people replied the prior text was generally pushed in 
using a single right angle bracket, >, before each level of reply.  If 
something were replied to three times it would have >>> before it while 
something that you replied to for the first time would be included in the reply 
with a single > before each line of text.

            Both HTML and RTF became "the big things" when people wanted e-mail 
that looked like word-processed documents do and to include things like 
click-through links so that you didn't have to copy a link and paste it in to 
your web browser.

            The vast majority of the e-mail I receive or send is HTML formatted 
because I use Gmail's web interface to send e-mail.

Brian

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