What's the deal with Header 4 (⌘ + 4 on OS X)? Are there options to align under or to the right of Header 3? Also remove the overbar?
Couldn't find anything in Options Inspector.
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The deal is the difference between "Chapter" and "Section" or less fancy between cmd+n and the Writing Assistant. I'm afraid a custom stylesheet is your best choice
Check also Resources for beautiful Mathematica Stylesheets with some very smart tips and tricks.
On the site mathematica-journal is a nice reading Article Submissions to The Mathematica Journal with Author Templates V8, V9 and V10 to download. Note: the template contains an embedded stylesheet.