the females apart is a good question
VT will have almost straight back fin rays
CT will have crowns on their fins, most CT are CVT actually.
What you can look at is the shape of the spread of the female tail and the upper fin. Generally CT and VT will have an almost circle of tail form and the upper fin grows up and curves back.
HM will have a much larger spread vertically on the tail and the upper fin will grow up first and keep growing up then turn back. I have a couple VT with this trait but it isn't as pronounced as in HM females.
One of the more common characteristics of the HM is dual and tri-tone fin edges without the edge colors appearing elsewhere on their bodies.
This girl shows the HM topfin but not the multi-tone http://s63.photobucket.com/albums/h1...ent=powder.jpg
This girls on this page match the spawns of the boys, you see the gold one has two-tone: http://homepage.ntlworld.com/ray-bro...t%20spawns.htm
(wow would I love to have the pair of copper imbellis (peaceful))
AHA found it: http://bettysplendens.com/articles/p...articleid=1063
You can see in there how the VT top fin slopes back and the rest shoot out then back.