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+For the token described as "Formal with first name: Mr. and Mrs. Michael Kline"  which looks like {greetings.joint_formal_firstname} in your template, there is a fair amount of nuance  to what the result will look like. This is because there is a fair amount of nuance in real life etiquette, as described at http://emilypost.com/advice/guide-to-addressing-correspondence/
+
+The result of the token "Formal with first name" depends on your CiviCRM data.  Some examples:
+
+Result: Mr. and Mrs. Michael Kline
+Data Requirements: 
+  * The "spouse of" relationship between 2 contacts is active/enabled and neither contact is marked as deceased. 
+  * One contact in the 'spouse of' relationship has gender filled in as "Female"
+  * The other contact in the 'spouse of' relationship either has no gender filled in, or is filled in as "Male" 
+  * Each contact in the "spouse of" relationship has an identical last name
+  * The female contact has no "individual prefix" filled in, or is filled in as "Mrs."
+
+If the above data requirements are not met, then the token result will be one of the following examples:
+Mr. Michael Kline and Ms. Judith Smith
+Mr. Michael Kline and Ms. Judith Smith-Klein
+Mr. Michael Kline and Mr. Jeff Smith
+Mrs. Judith Smith and Mrs. Hannah Smith
+Dr. Judith Smith and Mr. Micheal Smith
+Dr. Judith Smith and Mr. Micheal Kline
+Dr. Judith Smith and Dr. Micheal Smith
+  
+
+
+