armsys,
The area below the Form is actually the internal browser or Detail Pane. If your Item is based on a Text Template (or one of the Outlook derivatives) this area will allow for text (rtf). By assigning a Form to a Template you create a "data header" for the Detail Pane.
The Item Notes Pane is also an rtf editor - additional notes for an Item, or if the Item were of the Document Type a means to store rtf for the Item.
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