It's neither. Rather, it's an ASCII problem. You need to make sure that your files (templates) are being saved in ASCII and in UTF-8. If you are using a text editor (such as Microsoft Word) to edit your files, you have to remember that programs like this use fonts and styles (known as magictext) that are not apart of the ASCII and UTF-8 standards. Thus, any text in that format will have the question mark instead of the proper character.