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You also have to have the bracket's (not just the IMG), the brackets look like this: [ ]

If you are not seeing the same icon bar in the Quick Reply window that I posted above, then it may be something with your internet browser. Which internet browser and operating system do you use?

I'm sorry you haven't been able to figure it out yet. The "tree" icon that people talk about looks like this:
http://i15.photobucket.com/albums/a366/awg1011/treeinframeicon.jpg

Another option,...