As there are a bunch of people / merchants who prefer getting notecards sent to them rather than being sent IM:s, for various reasons, I'd like to propose a button in the profile view that opens a notecard text editor that lets you immediately compose a message and then hit "send" (tick-boxes for perms would be great next to the send button), much like an e-mail. A copy of the notecard sent should probably be saved in the Notecards folder named with the receiver's name and date.
Instead of going to your inventory, create a notecard, edit it, set perms, and then drag it to the profile / IM window....