dwalker said
Harmony. How do I add a photo?  

Your photos need to reside somewhere on the web. Mine are at Photobucket.com (it's free). In Photobucket, once you have your images loaded, you click on the picture you want to add here and a box to the right says, "Share This Photo". Below that statement you'll see a series of boxes with coded addresses for the photo that you clicked. If you go to the box that's labeled, "Direct" and click within that box, you automatically have copied the address that you will later paste.

Then you come here to your reply box and click the icon in the toolbar directly above your message that looks like a picture with a mountain and a dark sun. It will have a pop-up balloon that says, "Insert/edit image" when you position your cursor on top of it. Click it and another box pops up that has a flashing insert for you to paste the address you previously copied from Photobucket. Leave everything else alone and click "okay". Then voila . . .