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My two cents for everyone--give 1st page a try--it's free! You can get it here http://www.evrsoft.com/
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Joel, thanks for this tip. I used -- and really liked -- 1st Page until I lost it when I had to do a software reinstall.

When I went back to the company's web site to re-download, I discovered the program had been taken off line -- apparently because of a copyright problem with the name. The introductory page at evrsoft now calls the program First Page, although subsequent pages still refer to "1st Page."

Apparently a new version, "First Page III," is scheduled to be released later this year.

Bob