here's another consideration -

if you use the Word object, you will want a machine with at least
128Mb memory and at least 600MHz processor, or your user will grow
impatient with the delay in bringing up the Word process. if you
are not going to Word frequently, not a big deal.

if you don't need any _really_ fancy formatting, rtf toolbar is
easy to make, but i couldn't find a spell checker to use with it.

if you decide to use Word, and need an example, let me know. it's
an adaptation of what another UT member gave to me.