grassroots.vom

• Windows Live Hotmail: the default appears to be rich text.
  
• Yahoo Mail: To the right of the subject line is a link that says Rich Text or Plain Text which is the mode to switch to. Thus if it says Plain Text, you are composing in Rich Text.
  
• GMail: just above the message body is a link that says Rich Formatting if you want to switch to Rich Text.
  

As you can see, each is just a little different, and other mail programs may well be even more different.

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