Ken:
In the QUICK REPLY box at the bottom, just start typing. You can select bold or italics or underlined by clicking the little button icons on & off. Click the little arrow next to the black A icon and you can select colors. You should be able to increase or decrease the font size by clicking that little set of double arrows at the top right, but that doesn't seem to work right now. You can also insert images. Clicking on that A/A icon on the upper right shows you the HTML code behind what you are typing. (For instance, if you want to go to the RED color, there will be a tag inserted in your text. And then, when you want to go back to thew default color, there will be another tag added, . (Getting deep in the geek now.)