Thanks again to all responders.
On the last one, re: XML, yes to the tinkering, but coded structuring is for another generation, as far as what I can see for the corporate proposal business around Washington, DC, i.e., federal and state contracts. There are a few folks in my line with a command of coding, but even use of field codes is generally quite limited in the proposal docs in all the major corporations where I have worked. One is fortunate to work, as I do, in a shop with fulltime proposal staff as opposed to skilled or not-so-skilled temps often hired for a few days or weeks at a time, and one concerned with improving its processes to avoid perennial slipped-deadline-all-nighters.
I had begun teaching myself InDesign years ago after being told that if I wanted to get serious work in Desktop publishing, that was the avenue. Well it may be, but none of the government agencies I am familiar with want proposals submitted in anything except MS Office, sometimes PDF. As for the XML side of things, undoubtedly potentially advantageous, but there is no momentum here for that kind of staff training at present.