Here's a very large script that creates an HTML editor. I've used it to create some very simple documents. It works pretty well. Most of the flag placement is done through choices.
This script is very large -- and it is very, very important that it keeps the same form when you grab it. If not, you will get error codes galore.
Please note: This script is being offered in simple text format. When you click to Grab the Script, the text should display. Internet Explorer and AOL users may get a blank page or the script may run and produce the effect. If this happens, choose SAVE AS from the FILE menu and save the blank or compiled page.