There's a trick to getting the picture into the message. You have to put the address of the actual picture, not the link to the picture, into the third box below the message text. For this picture it was

http://members.aol.com/WoodKayak/return_1.jpg

Rather than

http://members.aol.com/WoodKayak/Return.html

Getting the address is a little tricky. With MSIE you put the mouse pointer on the picture, click the right mouse button, select "properties", highlight the address, right mouse button again, select copy, and then go paste it into the aforementioned box.

With Netscape you put the mouse pointer on the picture, click the right mouse button, select "copy this image location", and then paste it into the aforementioned third box. Alternately, you can do right mouse button, select "open in a new window", and copy the address (which should end with .jpg or .gif) into the afforementioned third box.

You can Even do BOTH if you fill in all three boxes appropriately.

> If it ends in html it's a webpage address, and you want to put
> it in the first URL box "Optional Link URL:" and make sure
> to fill in a title in the next box, or it won't work. The address
> is given in the box at the top of your web browser, and ends in .html.
> The title can be any (short) phrase you want it to be, it doesn't
> even have to relate to the site's contents.