Most forums that I've come across don't have the html features or the user friendly picture insert features.  I've found maybe 1 or 2 that did but they were subscription based. 

I really need something that's more user friendly than phpbb3. I like all of the features of phpbb3 but it's the user friendly message reply format that my members would like.  Some of my members are 60yrs old and older so user friendly features would be a big help.

I checked out the service that renderosity uses but unfortunately I won't be able to use it.