Text Boxes and Tables

Windows 95, Office 97-
Can anyone please help?

One of my users is working with a table. When she tries to insert a text
box within the table, the table splits apart and the text box is inserted
between the table rows instead of within the table cell. This seems to be
happening by default to all Word documents including any brand new ones.

We can get the text box to jump back into the table if we choose Format Text
Box, and change Wrapping to None. It appears that her default wrapping is
Top & Bottom. How did this get turned on as a default and how can we change
the default back to None?

Your help would be greatly appreciated.
Thank you.