Expand Personal Groups; Text Margins

Sorry to ask two questions in one but wanted to save space:1. I can choose Delivery Options to select ‘Do Not Expand Personal Groups’ for every individual message I send. How can I make that the default, or is that possible?

  1. I can choose the margins for every single memo I compose and send. Can I permanently set my memo margins to what I want as a default, or is that possible?