@Roberta,
Roberta, I think I've got it now, according to Jes' instructions above.
The key to do this successfully is to
highlight the text the you want code to go around and then click the appropriate code button in the editor.
I have experimented with this several times and it's worked for me every time.
So, in other words, you would use the
img brackets for a photo. You put the first
url line in, highlight it, click the
img button. Repeat for the 2nd
url, and you will have it.