I'm a long-time premium Evernote customer and am really trying to like this service. Until recently I have simply used Evernote as a "web clipper," bookmarking sites so that I could access them across my devices. Templates (meeting notes, etc.) look like a useful tool but, regardless of how many I "Save to Evernote," none are ever ever available when I create a new note--there's no "Template" icon. Other posters suggest that I should upgrade my Evernote software, but I'm using Evernote through the browser. Are templates only available if I download (one more annoying) app? Why do I not see them when logged in through my browser??