Not smart enough Jal? Maybe it's just the altitude
. Here's what I do - I'm only about 150m above sea level but it still took me a while to figure it out.
I download picture files straight from the computer (or the sd card/ camera connected to it.) Here's how it works for me:
Scroll down below your reply box and click on "Upload attachment"; below that hit "browse" in the small grey box; select the file/photo you want to insert then click "add the file" (green box.) Finally you'll get a screen showing the attachment's file name and green options to delete or add it inline.
If you hit add-inline it will probably put it at the beginning of your post, but you can find the attachment code that inserts it and use cut/paste to relocate it anywhere in the message.
Going to have sunshine here today!