Aha! I've done it!
The secret was rather silly. It was in the includegraphics dialogue box. I had been supplying a width and checking the maintain aspect ratio box. Regardless of what size I set, latex2htnl was creating an <IMG .. > tag with WIDTH=470 HEIGHT=471. Looking at Kevin's code, I noticed that he supplied both height and width. So I did the same and unchecked the aspect ratio box --- and voila! It came good! The winning approach was to 1. Create a table with 1 row, 2 columns. 2. Into the 1st column insert a table with 2 rows, 1 column Why? God knows! I found that I had to effectively lower the graphic by putting it in the 2nd row (leaving the 1st row empty) 3. For the Address, I put a 4 row, 1 column table in the 2nd col of the outermost table. Into this I entered the Name and address stuff. This all now produces essentially the same output for DVI, PDF, and HTML. Many thanks to Kevin and Rich. You input helped. I can now happily continue to tell all my clients how easy LyX is to use! It reminds me of a maths lecture I attended in my student days. The lecturer was detailing a proof on the blackboard. He started to say: "From the above it is obvious that ...." Then he stepped back and thought deeply for a while. Then he left the room. We waited. 5 minutes later he returned smiling and said: "Yes it is obvious." and contiunued to outline the proof. regards John O'Gorman