Barbara Jean,
... can one set the photos so that all photos must first be approved
by a moderator without the need to moderate messages?
Sorry, there is no approval process for the upload of photos. The only control is whether members can upload photos or not.
For photos included in email messages, it is possible that the Attachments control in the Message Formatting section will work - one of the options there is to Moderate messages containing attachments. But I haven't tested whether inline photos would be included in that control.
Shal
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