DAZ Studio by Daz 3D is one of the longest-running consumer 3D applications.
Here's how you can make bold and italic text.
Here's how you can add an image:
Some of my favorite DAZ characters available at DAZ3D:
Some of my favorite DAZ characters at Renderosity:
Some of my favorite DAZ characters at ShareCG:
To learn more HTML/CSS, check out these tutorials!