Does anyone know of a way to create horizontal rules within a <textarea> without using a background image?
CSS3 would be fine. I can bodge an image fallback for IE if necessary.
Example:

Sign Up to our social questions and Answers Engine to ask questions, answer people’s questions, and connect with other people.
Login to our social questions & Answers Engine to ask questions answer people’s questions & connect with other people.
Lost your password? Please enter your email address. You will receive a link and will create a new password via email.
Please briefly explain why you feel this question should be reported.
Please briefly explain why you feel this answer should be reported.
Please briefly explain why you feel this user should be reported.
You can do this using linear gradients:
JSFiddle Version