Next day...As I'm reading through some blogs, I see that I'm not the only one having this problem. When I got to Debbie at Cozy Blanket's post, I'm trying what she did. Click on the HTML button and choose the picture icon. That screen lets you browse you photos. After uploading the picture, I click back on COMPOSE. So let's give it a try.
Yeah! It worked. Not the easiest way, switching back and forth between the two, but I'll take what I can get.