Vinny: Thank you so much for posting the templates. As far as xml...no I don't use it...I just copy and add to the templates.
Bert: Re IM - I don't use that either...I learned early on it was a "time sucker". Every time I went on the MSN IM would default to show me, and I would be interrupted.
I've not had a problem with sending or receiving private messages.
Barbara