Oh, whatever. Don't you judge me...what're you doing? Writing a query letter?!?! AKA shamelessly self-promoting your BOOK!?
If you want to self publish a book (you+Amazon/BN/Smashwords=book!, not the ePublisher model--see here), you have to code it.
You can't just save it as a webpage or upload the doc to Amazon, etc. I'm sorry, you just can't. Ann lists some common problems she's seen in ebooks in the link above. I've seen some crazy crap too. More than that, I've worked through those problems. Like why Amazon doesn't understand the italic command on page 4, but it does on page 97. Oh, it's because I didn't close that one tag...blargh.
Hiring someone to format your ebook seems expensive. It seems like an extra step. It's not. There are a lot of awesome people out there that can help you. I can. Joshua Tallent can, and has been an invaluable resource as I've learned the ropes. Ann's company does it. Lots of others, too. Hire one of us.