Ed - Ill have to check our FAQ.. if this stuff isn't there it should be.
If you want to post an image in a comment (where you dont get the option to do so automaticly..) do this...
If you have your image uploaded on the web somewhere, get the URL, and you post the image like this:
<img src=" in here is where you stick the URL for the image">
And if you want a space between paragraphs, (or between your images and your text) just insert <p> where you'd like the space.
When you post a message or a comment, if you want your html to work, it has to be HTML formatted.
Does this make sense?