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I also confirm that translating accentuated characters into HTML
entities is very annoying, and unuseful when using UTF-8.

It is also not consistent: if I cut and paste Japanese characters
encoded in UTF-8 into the editor, they do not get translated into
entities like French accentuated characters.

For that specific problem, I am asking for an option for deactivating
the translation of characters into entities.
It is perhaps easier at first than preventing reformatting. ;)

I propose to put that option in the journal options, below the list of
character encodings.