Stanwell's full stop.
Well, OK then.
I was going to PM FL to answer his question (not wishing to take up space on a thread discussing more serious matters). - But, since you also ask...
It's pretty simple, really.
Having served some time as a publishing graphic designer, if I'm not using a heading or addressee's moniker, I like to leave a little space between the header bar and the first line of text - It aids visual communication.
Now, can we get back to the subject at hand please.