Ah, this was one of those things someone complained about so I went into each skin and edited the html to make it off by default in the regular reply box. I was unable to change it in the Fast reply so it stayed on. Then it was brought up that no, it should be on but we kind of decided to wait to see if anyone really cared...
So I'll take care of it later this AM, it takes a while.
Jennie, enjoy your time off.