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I'm staying away from XP for now, so I can't answer your question exactly. Plus. I've always used a cgi script for sending email from a Form. I can see an advantage to using the email client -- it would give you a better shot at collecting the correct email address AND it leave a record for the sender.
Anyone know more about this?
Best to use a normal (not in a form action) mailto:, or preferably - handle the e-mail sending server-side as tedster recommends.