I run a big online travel agency, and I spend all day replying to emails from clients. About 90% of what I type is boilerplate material. I found Texpander about a year ago, great little program, does exactly what it is supposed to. It cut my time down from about 15 minutes per email to about 5 or less (I usually have to do research to reply, that is what takes the 5 minutes now). Best $30 I have ever spent.