Yes its about html. Yes I use Dreamweaver (don't tell the code geeks). I will check out the links in depth when I get time. I took a quick look and it looks promising. I'll probably find something here that is good for what I want and I'll let you know. I want to thank you now.
Actually I did a test:
1) mock up a html page in Dreamweaver 2) copy code to my Hotmail message and click on HTML. 3) send
Results: The text didn't hold its formatting and the images came up a "?" boxes.
I once copied a source code from someone eles email html to my Hotmail and did the same thing. Everything had carried over perfectly, so I thought my Dreamweaver method might work too but it didn't. I'm missing a basic principle in my thinking.