butterflywing

karen, under the last reply, on the left hand side, there's a blue button that says +Reply to Thread
then there's a, open box for you to type in your text under that.
at the top of the open box, in a line, there should be several icons. they sit there between +Reply to Thread on the left and QB Help Center on the right, but just below those blue buttons.
you won't see them until you hit Reply to Thread.
Check it out and let me know what happens.

EDIT: you should see it all the time. it's the 3rd one in from the right side. it looks nothing like a tree. if you hover over it with your mouse, it says, 'insert image'.