Hi Mary,
Anything in Word's header/footer layer, including watermarks, is 'screened' for display purposes, but prints with whatever brightness/contrast settings have been applied. This behaviour cannot be changed by the user.
As for the pdf option, Word 2007 & later can save files in the PDF format, so no additional software is required unless you want more than an ordinary document (eg a fillable form).
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Cheers,
Paul Edstein
[Fmr MS MVP - Word]
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