From Bob Zumwalt:
"Gayle Surrette, IWW's Fiction admin, wrote this a while back.
It offers another perspective on formatting submissions that goes beyond our concerns at Novels-L. Learning proper formatting for our list is good practice for approaching an agent or publisher. They may not send a 'formatting problems' reminder in response to a sloppy submission."
From Gayle Surrette:
I have to speak to the smart quotes plain text thing.