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Find one you like the look of, download the RTF, and use that as a template. If you use Word, it should pick up the paragraph styles used from that so you can just paste your stuff into it and apply them.
It takes about a week before you find out if it's passed the test or not, then another few weeks before it appears on the other sites. If you fail the test it just stays on Smashwords, which is only really useful for free stories because that's all people go there looking for.
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