Thanx Bob.
I've tried the attach file dialogue box, browse to the jpg and from there the only options are "cancel" or "open". I clicked "open" and the file path appears in the dialogue box. So far so good.
But then if I preview my post the image does not appear and when I go back to "post reply" the file path in the dialogue box has disappeared.
At no stage do I see an attach file option.
I also noticed that in the Forum rules the IMG option is "OFF".
Does this have any bearing on it?

I have some great photoshop pics of luxury cars that others have done on an aussie site. Maybe I should just do a link to that thread instead.