Good post... I remembered I saw it somewhere and found it, see
http://www.dwfaq.com/Tutorials/Misce...s_encoding.asp
At least, I cannot blame myself for doing sites in a plain text editor.
BUT
if you are using scripts, you have to check the url encoding option or they break at the & , it has happened to me with my very first copy of smart thumbs. The links worked from the gallery preview area and I forgot to click all of them when output to the index.shtml.