Brenda,
Ok, I see your cat. I was in Plain Text, and I had to go into my profile
and change it to HTML. Then after I reloaded, I have all the formatting
options now.
In plain text mode you have only the paperclip (attachment) icon. You could have attached your car's photo to a text message rather than embedding it at the end of an HTML message.
There are some differences though. As an attachment to a plain text message the photo might have to be opened to be seen - depends on the recipent's email user interface. Some will automatically display an image attachment, some will display a thumbnail for it, and some will only show the file name until you click it to open it.
There are also differences in how groups.io handles an attached image versus one inline in HTML. When inlined in HTML Groups.io will automatically rescale the image to a maximum of 640 pixels taLL OR wide. As an attachment there's a group setting to control whether they get rescaled, and to what size.
If you want to experiment with this I suggest using shalstest@ or some other test group, then report the findings here.
Shal
Shal Farley