Are you talking about the hotmail toolbar that appears above the message? Not the actual toolbar at the top of your webpage? If you mean the hotmail one then click on 'Tools' above the message box and click 'Rich text editor on/off' :o)
ruby, you are wise beyond your age. i have read many of your answers in the different threads, and i cannot believe you are only 21. they are all great and sensible answers.
cheers to you ruby.